Funding Options

SBA Loan

SBA 7a- Is a long term, low-interest loan. This is the most common SBA program. Both new and existing businesses can use these loans. There is a variety of purposes the SBA 7a can be used for. It can be used to purchase equipment, land, buildings or to refinance debt just to name a few uses. Offered through traditional banks with down payments ranging from 10 to 50 percent. The maximum amount the SBA will guarantee is $3,750,000.

SBA 504: Is a construction or purchase loan only.
SBA Express: Is for equipment or working capital only with a maximum of $350,000.
Loan Amount: $25,000-$5,000,00
Loan Term: 10-25 Years
Payment Frequency: Monthly

Term Business Loan

Term loans usually require two years in business, showing a profit in at least one of the last two years, a 600 minimum FICO or excellent cash flow and strength of business. Most commonly used for business expansion, improvements, working capital, equipment purchases, or consolidation of business debts.

Loan Amount: $50,000 – $5,000,000
Loan Term: 1-5 Years
Payment Frequency: Weekly/Bi-Weekly/Monthly

Short-Term Business Financing

Short-term financing solutions support business owners who need quick access to working capital. These options are typically based on your business’s average monthly revenue and may be used for cash-flow management, payroll, inventory, or unexpected expenses. Businesses generally need to show multiple deposits per month. Approved funds are commonly available in 1–4 business days.

Loan Amount: $5,000 – $5,000,000
Loan Term: 3 Months – 24 Months
Payment Frequency: Daily/Weekly/Monthly

Revenue-Based Financing

Revenue-based financing provides fast access to capital for business needs such as working capital, cash-flow management, payroll, or operational expenses. This option allows repayment through a percentage of your business’s revenue deposits. Approved funding is typically available in 1–4 business days.

Loan Amount: $5,000 – $5,000,000
Loan Term: 3 Months – 24 Months
Payment Frequency: Daily Holdback Percentage

Business Line of Credit

A business line of credit is usually the best type of financing available for business owners. Usually requires good credit. The revolving line of credit gives you capital to draw upon as needed.

Loan Amount: $1,000 – $500,000
Loan Term: 6 Months – 36 Months (Renewable)
Payment Frequency: Monthly

Startup Loan

We offer starter loans to help a business grow. Starter loans usually require a strong credit

Loan Amount: $5,000 – $300,000
Loan Term: 3-36 Months
Payment Frequency: Daily/Weekly/Monthly

Equipment Financing / Leasing

Equipment financing / leasing is more secure than an unsecured loan, due to the fact the lender has a lien on the title, much like a new automobile. Credit score above 625 or a co-signer are usually required, Equipment loans can help you get the new equipment for your business right away.

Loan Amount: Up to $5,000,000
Loan Term: 12 Months – 72 Months
Payment Frequency: Monthly

Real Commercial Real Estate

Commercial real estate loans allow you to buy, build, expand, or remodel. A commercial real estate loan must include the plans to build a structure or business project as well as a brief bio and summary of the transaction. It can also be used for a multi-family dwelling of five units or more. Commercial real estate is also a very strong piece of collateral which allows you to refinance and get cash out of your business.

Loan Amount: $150,000–$1,000,000,000
Loan Term: 10 Years – 25 Years
Payment Frequency: Monthly

Accounts Receivable Financing / Invoice Factoring

Accounts receivable (A/R) financing allows you to receive capital in the event you are owed money for services completed. This can be optimal because the focus is on the business that owes the receivable, and not the company receiving the advance.

Loan Amount: Up to 80% of A/R
Loan Term: Generally up to 3 Years

Asset Based Lending (ABL)

Asset-based loans may be structured as a revolving line of credit without a scheduled repayment and on an interest-only basis or a term loan with interest only payments made. Typically used for working capital, acquisition, turnaround financing, capital expenditures, growth, refinancing/restructuring or a buyout. Funds dispersed based on a percentage of a company’s assets as follows:

Commercial Accounts Receivable – 90%
Finished Inventory – 60%
Appraised Tangible Equipment – 60%
Raw Materials – Case by Case Basis
Real Estate When Not Prime Asset – 65-75%