Funding Solutions
Business Funding That Works for You
From lines of credit to receivable advances, we offer a range of funding solutions designed for real businesses. Tell us what you need and we'll find the right fit, usually with funds in your account within 48 hours.
What We Offer
Our Funding Solutions.
Multiple ways to fund your business, each one tailored to different needs and situations.
Lines of Credit
$250K - $15MA revolving credit facility you can draw from as needed. Pay interest only on what you use, and funds become available again as you repay. Ideal for businesses that need ongoing access to capital.
Key Features
- Revolving access to funds
- Interest only on drawn amounts
- Covenant light structures
- No personal guarantees required
Accounts Receivable Advances
Up to 85%Convert your outstanding invoices into immediate working capital. We advance up to 85% of your eligible receivables so you don't have to wait 30, 60, or 90 days for payment.
Key Features
- Up to 85% advance rate
- Funding within 48 hours of invoice selection
- No long-term commitments
- Works with your existing invoicing process
Inventory Advances
Up to 65%Use your existing inventory as collateral to secure the capital your business needs. We advance up to 65% of your eligible inventory value with flexible repayment terms.
Key Features
- Up to 65% advance rate
- Flexible repayment structures
- Inventory stays with you
- Regular borrowing base adjustments
Personalized Term Loans
$10K - $10MCustom term loans structured around your business. We work with you to set up the right amount, rate, and repayment schedule, designed to match your cash flow, not strain it.
Key Features
- Terms up to 6 years
- Weekly or daily repayment options
- Competitive rates from 6.9%
- One-time completion fee, no hidden costs
Who This Is For
Built for Businesses Like Yours
We work with companies across a wide range of industries. If your business has invoices, inventory, or steady revenue, there is likely a funding solution that fits.
Manufacturing and Distribution
You carry raw materials, finished goods, and outstanding invoices at the same time. Inventory advances and A/R funding let you keep production moving without waiting on payment cycles.
Staffing and Professional Services
Your payroll goes out every two weeks, but your clients pay on net-60 or net-90 terms. Receivable advances bridge that gap so you can cover payroll and take on new contracts with confidence.
Wholesale and Import/Export
Large purchase orders require upfront capital for goods that won't sell for weeks or months. A line of credit gives you the flexibility to stock up when demand is high and repay as sales come in.
Healthcare and Medical Practices
Insurance reimbursements can take 30 to 90 days. If you need to hire staff, purchase equipment, or expand your practice, waiting on insurance payouts is not a workable strategy.
Construction and Contractors
Project-based businesses often deal with retainage, progress billing, and long collection timelines. Our funding helps you cover materials and labor costs while you wait for draws and final payments.
Growing E-Commerce Brands
Seasonal inventory purchases, ad spend, and supplier deposits can eat through cash reserves quickly. Term loans and lines of credit keep your supply chain funded during peak growth periods.
Qualifications
Eligibility Requirements
We keep our requirements reasonable. Here's what you need to qualify.
6+ months
Time in Business
$500K+ (or $1M+ inventory)
Accounts Receivable
450
Minimum Credit Score
Profitable or pre-profit accepted
Profitability
Not sure if you qualify? Apply anyway. We review every application individually.
Honest Advice
What to Consider Before You Apply
Matching the Right Product to Your Situation
Business funding is a tool, and like any tool, it works best when it matches the job. A line of credit makes sense when your business has predictable revenue but uneven cash flow, for example if you are waiting on invoices while needing to cover payroll or purchase inventory.
Receivable advances are a strong fit when you have creditworthy customers who pay on extended terms. In these situations, you are not taking on speculative debt. You are pulling forward money that is already owed to you.
When Funding Might Not Be the Right Move
If your business is pre-revenue or has very thin margins, adding a funding obligation could create more pressure than it relieves. We are upfront about this because we have seen what happens when a business takes on capital it cannot comfortably service.
Our underwriting process is designed to catch these situations early so we can either adjust the structure or tell you honestly that now might not be the right time. We would rather turn down a deal today and earn your trust for the future.
Weighing the Cost Against the Opportunity
It is also worth understanding the cost of capital relative to the opportunity it unlocks. If a $500K line of credit lets you take on a $2M contract you would otherwise have to pass on, the math speaks for itself.
But if you are borrowing just to keep the lights on without a clear path to repaying, it is worth having an honest conversation about alternatives first. That is exactly what our initial consultation is designed to do.
How It Works
Our Process.
From first call to funding, here's how it works.
Initial Conversation
We start with a conversation about your business. What you do, where you are, and where you want to go. No pressure, just an honest assessment of your options.
Finalize Terms
If there's a fit, we put together a clear term sheet. Everything is laid out up front: rates, fees, repayment. No hidden charges, no surprises after the fact.
Due Diligence
Our team reviews the details using a streamlined, data-driven process. We move quickly, and most deals close within two weeks of initial contact.
Ongoing Partnership
Once funded, you get a dedicated relationship manager. We're not a one-and-done lender. We're here for the long haul as your business grows.
FAQ
Common Questions About Business Funding
Straightforward answers to the questions we hear most often.
Most applications receive an initial response within 24 hours. From there, the full process from term sheet to funding typically takes one to two weeks, depending on how quickly we can complete due diligence. Straightforward deals with clean financials can close even faster.
A line of credit is revolving, meaning you draw funds as you need them and repay over time, with the credit becoming available again. A term loan gives you a lump sum up front with a fixed repayment schedule. Lines of credit are better for ongoing working capital needs, while term loans are better for one-time investments like equipment or expansion.
It depends on the product. Lines of credit and receivable advances are typically secured by your business assets, specifically your accounts receivable and inventory. We do not require personal guarantees on our credit lines. Term loans may require additional collateral depending on the amount and structure.
Yes. Our minimum credit score requirement is 450, and we look at your overall business performance rather than relying solely on a credit score. Revenue trends, the quality of your receivables, and your time in business all play a role in our decision. We have funded businesses across the full credit spectrum.
We believe in full transparency on costs. Our term sheets spell out every fee before you sign anything. Typical costs include interest on drawn funds, a one-time origination or completion fee, and any applicable servicing fees. There are no hidden charges, prepayment penalties, or surprise costs after closing.
Yes, we work with both profitable and pre-profit businesses. What matters most is that your business has real revenue, real customers, and a clear trajectory. If you have strong receivables or valuable inventory, those assets can support a funding facility even if your bottom line is still negative.
Ready to Get Funded?
Fill out our application and one of our funding specialists will be in touch within 24 to 48 hours.
Start Your Application