Funding Services - The capital you need. The terms you can live with.
Whether you need a term loan for a second location, a line of credit to cover seasonal dips, or fast working capital to take advantage of a deal that closes Friday, we match you with the right funding structure. Not a one-size-fits-all loan. The right fit for your business, your industry, and your timeline.
Small Business Loans
Open that second location. Hire the team. Stock the shelves. Secure term loans with competitive rates and repayment terms built around your cash flow, not a one-size-fits-all schedule. Funding up to $5 million with no prepayment penalties.
- Fast approval process
- Competitive interest rates
- Flexible repayment terms
- No prepayment penalties
- Funding up to $5 million
- Terms up to 10 years
Merchant Cash Advance
Payroll is Friday, your biggest invoice pays in 30 days, and you need capital now. Merchant cash advances give you quick access to working capital with repayments tied to your daily credit card sales. No fixed monthly payments, no collateral, funding as fast as 24 hours.
- No fixed monthly payments
- Simple application process
- Funding in as little as 24 hours
- No collateral required
- Use funds for any business purpose
- Bad credit options available
Equipment Financing
The espresso machine is on its last leg. The CNC router needs an upgrade. The delivery van has 200,000 miles on it. Finance new or used equipment with fixed monthly payments, Section 179 tax benefits, and terms up to 7 years so you preserve your cash flow for operations.
- Finance new or used equipment
- Flexible terms up to 7 years
- Fixed monthly payments
- Section 179 tax benefits
- Quick application process
- Competitive rates
Commercial Real Estate
You found the building. It has the loading dock, the foot traffic, the right zoning. Now you need the financing. Purchase, refinance, or renovate with terms up to 25 years, fixed or variable rates, SBA 504 programs, and bridge loan options for time-sensitive deals.
- Purchase, refinance, or renovate
- Terms up to 25 years
- Competitive interest rates
- Fixed and variable rate options
- SBA 504 loan programs
- Bridge loan options
SBA Loans
Government-backed rates that most banks cannot match on their own. Lower down payments, longer repayment terms, and multiple loan programs including 7(a) and 504. If you qualify, SBA loans are some of the best financing available for small businesses.
- Lower down payments
- Longer repayment terms
- Competitive interest rates
- Multiple loan programs (7(a), 504, etc.)
- Funding for various business purposes
- Technical assistance available
Startup Funding
You have the business plan, the customer waitlist, and the market research, but no two years of tax returns to hand a traditional lender. Startup funding options that look at your potential, not just your history, with flexible qualification criteria and fast timelines.
- Options for businesses under 2 years
- Flexible qualification criteria
- Fast funding timelines
- Business plan assistance
- Mentorship opportunities
- Growth-focused financing
Business Line of Credit
Slow January. A surprise equipment repair. A bulk order available at a discount that expires next week. A revolving line of credit gives you access to capital when you need it, and you only pay interest on what you actually draw. It is the financial cushion every business should have.
- Draw funds as needed
- Pay interest only on what you use
- Revolving credit availability
- Quick access to capital
- Flexible repayment options
- Helps build business credit
Accounts Receivable Financing
Your invoices say you are owed $200K. Your bank account says $14K. Accounts receivable financing closes that gap by converting outstanding invoices into immediate working capital. No new debt on your books, and it scales with your revenue.
- Immediate cash flow
- No new debt creation
- Based on invoice quality, not credit
- Scalable with your business
- Outsourced collections option
- Improves cash flow management
Franchise Financing
The territory is open. The franchisor approved you. Now you need the capital for the franchise fee, the buildout, the equipment, and the first six months of working capital. Franchise-specific loan programs, including SBA franchise registry options, for single or multi-unit deals.
- Franchise-specific loan programs
- Funding for initial franchise fees
- Equipment and inventory financing
- Working capital solutions
- Multi-unit development options
- SBA franchise registry options
Residential Investment Property Loans
Three duplexes throwing off $6K a month in rent, a fix-and-flip under budget, a portfolio refinance to free up equity. Financing for residential investment properties whether you are buying, renovating, or pulling cash out. No limit on the number of properties.
- Fix-and-flip financing
- Long-term rental property loans
- Portfolio loans for multiple properties
- Rehab and construction financing
- Cash-out refinancing options
- No limit on number of properties
Business Funding Overview
Not sure which funding product fits your situation? Start here. We compare qualification requirements, application timelines, cost structures, and use cases side by side so you can make an informed decision without talking to five different lenders.
- Comparison of funding options
- Qualification requirements
- Application processes
- Funding timelines
- Cost structures
- Personalized recommendations
Frequently Asked Questions
Get answers to common questions about our funding services
We offer a comprehensive range of funding solutions including small business loans, merchant cash advances, equipment financing, SBA loans, business lines of credit, accounts receivable financing, franchise financing, and commercial real estate loans. Each option is designed to meet different business needs and qualification requirements.
Funding timelines vary by product. Merchant cash advances can be funded in as little as 24 hours, while traditional loans typically take 1-4 weeks. SBA loans may take 4-8 weeks. We work to expedite the process while ensuring proper due diligence and compliance requirements are met.
Qualification requirements vary by funding type. Generally, we look at business revenue, time in business, credit history, and business plan. Some products like merchant cash advances focus more on daily credit card sales, while traditional loans require stronger credit and financial documentation.
Rates and fees vary significantly by product and borrower profile. Traditional loans typically range from 6-25% APR, while merchant cash advances use factor rates (1.1-1.5x). We offer competitive rates and transparent fee structures with no hidden costs. Contact us for a personalized quote.
Collateral requirements depend on the loan type and amount. SBA loans often require collateral for amounts over $25,000, while unsecured business loans may not require collateral but typically have higher rates. Equipment financing uses the equipment as collateral, and real estate loans use the property.
Yes, we offer funding options for businesses with less-than-perfect credit. Merchant cash advances and some alternative lending products focus more on business performance than personal credit scores. We also work with businesses to improve their credit profile for better future financing options.
Required documents typically include business financial statements, tax returns, bank statements, business plan, and personal financial information. Specific requirements vary by loan type and amount. Our team will provide a complete checklist during the application process.
Yes, we offer specialized startup funding programs for businesses under 2 years old. These programs consider factors beyond traditional credit metrics, including business plan quality, market opportunity, and founder experience. We also provide business plan assistance and mentorship opportunities.
Ready to explore your funding options?
Tell us about your business and we'll match you with the right funding solution.