Working Capital Loans
Working capital is the lifeblood of daily operations. Whether you're navigating a seasonal slowdown, covering payroll between receivables, or seizing an unexpected opportunity, our working capital loans provide the flexible liquidity your business needs to keep moving.
We structure working capital facilities based on your revenue history and current business performance — not just a credit score. Our decisions are made by experienced underwriters who understand how businesses actually operate.
- Funding from $10,000 to $2,000,000
- Approval decisions within 24 hours
- Flexible repayment terms aligned with cash flow
- Minimal documentation requirements
- No early repayment penalties on select programs
Revenue-Based Financing
Revenue-based financing aligns your capital repayment directly with your business performance. Instead of fixed monthly payments that strain cash flow during slow periods, repayments flex proportionally with your revenue — you pay more when business is strong, less when it isn't.
This structure is particularly effective for businesses with variable revenue cycles: restaurants, retail, seasonal contractors, and service businesses that experience natural fluctuation throughout the year.
- Repayments tied to actual revenue performance
- No fixed monthly payment structure
- Ideal for businesses with $10K+ monthly revenue
- Fast approval with 3 months of bank statements
- Renew and draw additional capital as you grow
Equipment Financing
The right equipment is often the difference between winning and losing a contract, scaling a kitchen, or launching a new service line. Our equipment financing programs allow you to acquire the machinery, vehicles, technology, and tools your business needs — without depleting your working capital reserves.
Equipment serves as collateral, which often enables better terms and higher approval rates than unsecured business loans — even for businesses still building their credit profile.
- Finance new or used equipment
- Terms from 12 to 84 months
- Up to 100% equipment value financed
- Potential Section 179 tax deduction benefits
- All major equipment categories covered
Business Lines of Credit
A business line of credit gives you on-demand access to capital without requiring a new application every time you need funds. Draw what you need, repay, and draw again — the facility revolves with your business cycle.
This is the ideal tool for managing cash flow gaps, covering short-term operational needs, and having a reliable financial backstop as your business grows. Unlike term loans, you only pay interest on the capital you actually use.
- Draw on demand — no reapplication required
- Interest charged only on drawn balance
- Credit lines from $25,000 to $500,000
- Builds and reinforces business credit history
- Annual renewal with potential credit limit increases
Invoice Factoring
If your business extends credit to clients and waits 30, 60, or 90 days for payment, invoice factoring converts those outstanding receivables into immediate working capital. Stop waiting on your clients' payment schedules and take control of your cash flow today.
Invoice factoring is not a loan — it's an advance against revenue you've already earned. It doesn't create new debt on your balance sheet, and approval is largely based on the creditworthiness of your clients, not your business alone.
- Advance up to 90% of invoice face value
- Not a loan — no new debt created
- Ideal for B2B businesses with net-30/60/90 terms
- Approval based on client quality, not just your credit
- Selective factoring available — factor only what you need