Working Capital Loans

Maintain operational flexibility with working capital that covers day-to-day expenses, inventory purchases, payroll, and seasonal cash flow gaps. These loans are structured to keep your business running smoothly during growth phases or temporary revenue dips.

  • Funding amounts: $50,000 to $5 million
  • Terms: 6 to 36 months
  • Use cases: Inventory, payroll, marketing, seasonal gaps
  • Approval time: 24-48 hours

Working capital loans provide the liquidity you need without tying up your assets. We underwrite based on revenue and cash flow patterns, not just collateral.

Equipment Financing

Purchase or lease essential machinery, vehicles, technology, and other business equipment without depleting your working capital. Equipment financing allows you to acquire what you need now while preserving cash for operations.

  • Funding amounts: $25,000 to $10 million
  • Terms: 12 to 60 months
  • Collateral: Equipment itself secures the loan
  • Industries: Manufacturing, construction, logistics, healthcare

Why Equipment Financing Makes Sense

Preserve working capital for operations. Spread the cost over the equipment's useful life. Potential tax benefits through depreciation. Fixed payments simplify budgeting.

Commercial Real Estate Loans

Purchase, refinance, or build commercial property with terms designed for business owners. Whether you're buying your first location or expanding to multiple sites, we structure loans that align with your long-term strategy.

  • Funding amounts: $500,000 to $20 million
  • Terms: 5 to 25 years
  • Property types: Office, retail, warehouse, mixed-use
  • LTV: Up to 80% loan-to-value

Owning your business property builds equity and provides stability. We work with businesses that want to invest in real estate as part of their growth strategy.

Expansion Financing

Fund new locations, enter new markets, acquire competitors, or scale operations with capital structured for sustainable growth. Expansion financing supports businesses ready to take the next step.

  • Funding amounts: $100,000 to $10 million
  • Terms: 12 to 60 months
  • Use cases: New locations, market entry, acquisitions, infrastructure
  • Structure: Tailored to your growth plan

Growth capital should accelerate opportunity, not create financial strain. We structure repayment around projected revenue increases and realistic timelines.

Revenue-Based Financing

Repayment that flexes with your revenue. Instead of fixed monthly payments, you pay a percentage of monthly revenue until the financing is repaid. Ideal for businesses with seasonal fluctuations or rapid growth trajectories.

  • Funding amounts: $50,000 to $2 million
  • Repayment: 5-15% of monthly revenue
  • Term: Until agreed repayment cap is reached
  • Best for: Seasonal businesses, high-growth companies, variable revenue

How It Works

You receive upfront capital. You pay back a fixed percentage of gross monthly revenue. During slow months, payments decrease. During strong months, you pay down faster. No penalty for early payoff.

Invoice Factoring

Convert outstanding invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customer payment, you receive up to 90% of invoice value within 24 hours. Ideal for businesses with long payment cycles.

  • Advance rate: 80-90% of invoice value
  • Funding speed: Same day to 24 hours
  • Industries: B2B services, manufacturing, staffing, logistics
  • Minimum: $100,000 monthly invoice volume

Invoice factoring isn't a loan—it's selling your receivables at a discount to unlock cash immediately. No debt on your balance sheet. No fixed repayment schedule.

Typical Application Process

We move quickly without sacrificing thoroughness:

Discuss Your Funding Needs

Every business has unique capital requirements. Let's talk about yours.

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