Funding Programs We Route
Choose the route that fits your stage, collateral, and cash flow. We pre‑match you to lenders to save time and avoid unnecessary credit pulls.
Bank‑Underwritten
SBA 7(a)
- Working capital, refinance debt, buy a business, partner buyout, real estate, equipment
- Personal guarantee, bank documents, strong underwriting package required
- Best when you’re bankable but still scaling
Owner‑Occupied CRE & Equipment
SBA 504
- Fixed assets: buy/build/renovate owner‑occupied property or heavy equipment
- Longer amortization with blended bank + CDC structure
- Ideal for established operators buying their building
Fixed Duration
Term Loans
- 12–60 month horizons, fixed or variable rates
- Use for expansions, inventory, hiring, marketing
- Predictable payments; works when cash flow is stable
Flexible Access
Business Line of Credit (LOC)
- Draw when needed; interest on what you use
- Great for bridging receivables or seasonal swings
- Bank LOCs require documentation; fintech LOCs are faster
Asset‑Backed
Equipment Financing
- New/used equipment; often secured by the asset
- Preserves working capital with matched terms
- Good approval odds when equipment holds value
Cash Flow Now
Invoice Factoring / AR Financing
- Advance on invoices; repay as customers pay
- Helpful for long net terms (30–90+ days)
- Works well for B2B and government receivables
Fast & Simple
Revenue‑Based Financing
- Advance based on monthly revenue trends
- Flexible payments tied to revenue (holdback %)
- Useful when you’re growing but not yet bankable
Collateral‑Driven
Asset‑Based Lending (ABL)
- Secured by AR, inventory, or other business assets
- Scales with collateral; can sit alongside bank lines
- Best for inventory‑heavy or distribution companies
