From revolving lines of credit to real estate financing, we have the right capital structure for where your business is going.
| Product | Max Amount | Funding Time | Min. Biz Age | Min. Monthly Rev. | Min. FICO |
|---|---|---|---|---|---|
| Business Line of Credit | $500,000 | 24–48 hrs | 12 months | $15,000 | 580 |
| Short-Term Business Loan | $500,000 | 24 hrs | 6 months | $10,000 | 550 |
| Merchant Cash Advance | $500,000 | Same day | 4 months | $8,000 | 500 |
| Equipment Financing | $250,000 | 48–72 hrs | 12 months | $12,000 | 560 |
| DSCR Real Estate Loan | $5,000,000 | 3–5 days | N/A | Varies | 620 |
APR ranges from 9%–99%. All products subject to underwriting approval.
A revolving credit facility that lets you draw funds, repay them, and draw again — paying interest only on what you actually use. The most flexible commercial funding structure for managing cash flow, seasonal demand, payroll, and unexpected expenses.
Soft inquiry only — no credit score impact
Soft inquiry only — no credit score impact
A lump-sum loan disbursed in full and repaid over a fixed schedule. Predictable fixed payments make it easy to plan cash flow — ideal for equipment, hiring, expansion, renovations, or any one-time strategic investment.
A merchant cash advance (MCA) is not a loan — it's a purchase of a portion of your future sales at a discount. Repayment is taken as a fixed percentage of your daily or weekly card sales, so payments flex naturally with your revenue. The most accessible funding option for businesses with lower credit scores or shorter histories.
Soft inquiry only — no credit score impact
Soft inquiry only — no credit score impact
Finance new or used equipment with the equipment itself serving as collateral — which typically means lower rates and higher approval odds than unsecured loans. Ideal for construction, healthcare, manufacturing, restaurants, and transportation businesses making major asset purchases.
Debt-Service Coverage Ratio (DSCR) loans are underwritten primarily on the income-generating potential of the property — not the borrower's personal income or tax returns. The preferred vehicle for real estate investors, portfolio builders, and owner-operators acquiring or refinancing commercial property.
DSCR = Net Operating Income ÷ Annual Debt Service. A DSCR of 1.25 means the property generates 25% more income than needed to service the debt — a strong application.
Non-binding quote. No credit impact.