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Short Term Loan

Buy Inventory – Upgrade Equipment – Expand

With no collateral required, no restrictions on the use of funds and a lightning-fast turnaround, unsecured short term loans are among our most flexible and popular products. These loans go up to $1 million, generally take 1-2 days to fund and have term lengths ranging from 6 months to 3 years.

Merchant Cash Advance

Cover Payroll – Pay Taxes – Make Renovations

A merchant cash advance is our easiest product to get approved for and can be very useful when funds are needed very quickly. This product is not a loan – It is a sale of future receivables. The repayment term normally ranges from 6 – 18 months and payments can be set as either a fixed dollar amount or a fixed percentage of credit card sales.

Line of Credit

Finance Opportunities – Cover Emergencies

This is a very flexible form of financing. Credit lines of up to $250,000 are available, with repayment terms of between 12 months and 36 months. Draw money when needed and make payments on only the funds you’ve used. This is a revolving line of credit, so as payments are made, it opens access to additional credit.

Term Loan

This is a bank product and the terms reflect that – Typically offered at lengths ranging from 2 – 5 years, rates are often in the single digits and loan amounts can be as high as $5 million. It’s also a bank application process so the turnaround time can be quite lengthy. But with some planning ahead, this can be a great option for business funding.

Purchase Property – Fund an Acquisition – Buy Equipment

SBA Loan

Purchase Machinery – Build Inventory – Refinance Debt

Considered the gold standard of business financing, SBA Loans typically have terms extending out to 10 years and loan amounts up to $5 million. And because the SBA is guaranteeing a portion of the loan, interest rates are often the lowest of any business loan. This is also a bank product with a bank process and is generally the slowest to close.

Equipment Financing

Modernize – Expand – Upgrade

This can be a very affordable option for financing equipment and can be structured as either a loan or lease. Repayment terms range from 2 -7 years, with amounts up to $1 million. Similar to traditional automobile financing; at the end of a loan, you own the equipment outright and at the end of a lease, the equipment normally must be returned.

Invoice Factoring

Improve Cash Flow – Buy Materials – Pay Staff

Invoice Financing (or Factoring) allows you to receive an advance of up to 90% of an outstanding invoice’s value. No repayments are made with this type of financing. When the invoice is paid, the lender releases the balance minus their fee. When late invoice payments are causing cash flow problems, this can be a flexible and affordable solution.

ABL Loan

Purchase Property – Buy Equipment – Make Investments

An Asset Based Loan (or ABL Loan) is a bank loan secured by assets of your company. Unlike an SBA loan or term loan that generally require real estate collateral, ABL loans can be secured by a wide range of assets – inventory, equipment, accounts receivable etc. They typically go as high as $10 million, with a loan to asset-value ratio of up to 85%.

CRE Financing

Commercial Real Estate Loans (Also known as CRE loans or Commercial Mortgages) are offered by our bank lending partners and can be used to purchase new property or to refinance or make improvements on an existing one. Loan amounts can be as high as $25 million, with term lengths extending out to 25 years or more.

Purchase Property – Refinance – Make Improvements

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