Business Funding Options

Access $50K to $500K+ in revolving credit without putting up collateral. Draw funds when you need them and only pay on what you use.

Best suited for

• Established businesses with consistent revenue
• Companies needing ongoing access to working capital
• Businesses looking for flexible draw-and-repay options

Typical uses

• Working capital and operational expenses
• Inventory purchases
• Bridging cash flow gaps

Key considerations

Qualification typically requires established business credit and revenue history. Rates and terms vary based on your business profile.

Government-backed SBA 7(a) and 504 loans offer competitive rates and longer repayment terms for qualified businesses. These programs are designed to support business expansion and economic growth.

Best suited for

• Businesses looking for longer repayment terms
• Companies with strong financials seeking competitive rates
• Business owners planning significant investments

Typical uses

• Business expansion and acquisition
• Commercial real estate purchases
• Equipment and working capital

Key considerations

SBA loans typically have a more detailed application process and longer timelines. Strong documentation and creditworthiness are generally required.

Specialized programs designed for businesses that have been operating for less than two years. We work with newer companies that may not qualify through traditional lending channels.

Best suited for

• New business owners with less than 2 years of operation
• Entrepreneurs launching a new venture
• Recently incorporated businesses building credit

Typical uses

• Initial business setup and launch costs
• Early-stage inventory and equipment
• Building business credit from scratch

Key considerations

Newer businesses may face different rates and terms than established companies. Personal credit and business plan quality may play a larger role in qualification.

Finance up to 100% of the cost of new or used equipment. The equipment itself often serves as collateral, which can simplify the qualification process.

Best suited for

• Businesses needing machinery, vehicles, or technology
• Companies wanting to preserve cash reserves
• Contractors and manufacturing businesses

Typical uses

• Heavy machinery and construction equipment
• Company vehicles and fleet expansion
• Technology upgrades and IT infrastructure

Key considerations

Equipment serves as collateral for the financing. Terms and rates are typically influenced by the type, age, and value of the equipment being financed.

Investment property loans, commercial mortgages, and bridge financing for businesses looking to purchase, refinance, or develop commercial properties.

Best suited for

• Businesses purchasing commercial property
• Investors in commercial real estate
• Companies outgrowing their current space

Typical uses

• Purchasing office, retail, or warehouse space
• Refinancing existing commercial mortgages
• Property development and renovation

Key considerations

Commercial real estate transactions typically involve larger amounts and longer timelines. Down payments, appraisals, and detailed financial documentation are generally required.

Build a strong business credit profile separate from your personal credit. A robust business credit history can help you access better financing terms, vendor accounts, and higher funding amounts over time.

Best suited for

• New businesses establishing credit for the first time
• Companies wanting to separate personal and business credit
• Businesses preparing for future funding needs

Typical uses

• Establishing vendor credit accounts
• Building a Dun and Bradstreet profile
• Creating a foundation for future loans and credit lines

Key considerations

Building business credit is a process that takes time. We guide you through the steps needed to establish and grow your credit profile strategically.

A Merchant Cash Advance provides upfront capital with repayment tied to your business revenue. This option may work for businesses that need quick access to funds and prefer a repayment structure that adjusts with their cash flow. MCAs are not traditional loans and work differently in terms of structure and regulation.