Merchant Cash Advances
A Merchant Cash Advance (MCA) provides your business with a lump-sum payment in exchange for a percentage of your future credit and debit card sales. Unlike traditional loans, MCAs are repaid automatically as your revenue flows, so payments scale with your business, not against it.
MCAs are ideal for businesses with consistent card-based revenue that need capital quickly. Approvals can happen in as little as 24 hours, with funds available shortly after. There are no collateral requirements and no fixed monthly payments, making this one of the most flexible funding options available for small businesses.
Business Term Loans Coming Soon
A business term loan delivers a fixed lump sum that you repay over a set period (typically 1 to 5 years) with predictable monthly payments. This structure makes it easier to plan cash flow and budget for repayment alongside other business expenses.
Term loans are a strong fit for businesses looking to make a significant, one-time investment: expanding to a new location, purchasing inventory in bulk, hiring staff, or launching a major marketing initiative. We source competitive rates tailored to your business's financial profile.
SBA Loans Coming Soon
Small Business Administration (SBA) loans offer some of the most competitive interest rates and longest repayment terms available to small businesses. Because the SBA guarantees a portion of the loan, lenders can offer terms that would otherwise be out of reach for many small business owners.
The most popular options, SBA 7(a) and SBA 504, can be used for working capital, equipment, real estate, and refinancing existing debt. The application process is more involved than other funding types, but the long-term savings can be substantial. Our team helps you navigate the documentation requirements and position your application for approval.
Equipment Financing Coming Soon
Equipment financing lets you acquire the machinery, vehicles, technology, or tools your business needs without draining your working capital. The equipment itself typically serves as collateral, which means qualification requirements are often more accessible than unsecured loans.
Terms generally align with the expected useful life of the equipment, giving you a logical repayment structure. Whether you're a contractor needing heavy machinery, a restaurant needing commercial kitchen equipment, or a logistics company building a fleet, equipment financing keeps your cash flowing while keeping your operations running.
Business Lines of Credit Coming Soon
A business line of credit gives you access to a revolving pool of funds you can draw from as needed. You only pay interest on what you use, and once repaid, the credit becomes available again. It's well-suited for cash flow gaps, seasonal swings, or expenses that catch you off guard.
Unlike a term loan, a line of credit isn't tied to a specific purchase. It's best used as a financial safety net or to bridge short-term gaps between receivables and payables. Lines of credit are one of the most strategic tools a small business can have in its financial toolkit.
Invoice Factoring Coming Soon
If your business regularly extends payment terms to clients (Net-30, Net-60, etc.), invoice factoring allows you to sell outstanding invoices to a factoring company at a small discount in exchange for immediate cash. This unlocks capital that's already earned but not yet received.
Invoice factoring is particularly powerful for B2B businesses with reliable clients but slow payment cycles. Rather than waiting weeks or months for payment, you get the funds you need today to cover payroll, inventory, and growth expenses, without taking on new debt.