Business Funding
LONG TERM
Provides long-term business funding in a lump sum, suitable for expansion-oriented businesses with good credit and solid revenue. Repaid with interest over a set timeframe, this loan type offers quick access to funds, usually within a week.
Pros:
Receive a substantial cash amount upfront for your business investment.
Access larger loan amounts
Rapid funding available within 2-7 days
Cons:
Collateral may be necessary in certain cases.
Best for:
Businesses seeking expansion opportunitiesBusiness owners with strong credit and stable businesses in need of immediate funding
SBA LOANS
Low rates, extended repayment terms, and up to $5 million in borrowing. Ideal for established businesses with strong credit, operating for at least 2 years, seeking business expansion or debt refinancing. Repayment ranges from 7 to 25 years, depending on fund utilization.
Pros:
Lowest rates on the market
Borrow as much as $5 million
Longer repayment terms 7-25 years
Cons:
Long application process
More qualifications required
Best for:
Expanding businesses or refinancing debt
Business with good credit willing to wait for funding
BUSINESS LINE OF CREDIT
Offers flexible and unsecured access to funds up to your credit limit. Borrow and repay multiple times, paying interest only on the borrowed amount. Ideal for seasonal businesses, managing cash flow, and handling unexpected expenses.
Pros:
Flexible borrowing
Typically no collateral required
Cons:
May have maintenance fee or withdrawal fee
Good credit and consistent revenue required
Best for:
Short term needs
Seasonal businesses to help manage cash flow
EQUIPMENT FINANCING
Competitive rates offered for purchasing equipment, utilizing the equipment as collateral. Term duration is typically based on the expected lifespan of the equipment, and favorable terms are available to those with good credit and sound financial standing.
Pros:
After payments are complete you own the equipment
If you have good credit and strong finances you can get competitive rates.
Cons:
May need a down payment
Best for:
Businesses in need of equipment with competitive financing rates.
SHORT TERM
Provide rapid funding in a lump sum with a fixed repayment term. Payments are typically made on a daily, weekly, or bi-weekly basis. Ideal for businesses with strong and consistent sales, seeking fast access to unsecured cash for various purposes.
Pros:
Fast Capital in as little as 24hrs
Unsecured
Easy approval process
Little documentation needed
Cons:
Cost of borrowing can be more
Best for:
Businesses that have high and consistent sales and bank deposits
Businesses that need financing right away
WORKING CAPITAL / INVOICE FACTORING
Provides immediate cash for unpaid customer invoices, allowing businesses to access funds without waiting for payment. Ideal for businesses with outstanding invoices in need of fast funding, offering an easier approval process compared to similar alternatives.
Pros:
Fast Cash
Fairly simple and easy approval
Cons:
Cost of borrowing may be high
Best for:
Businesses with invoice that need cash right away
Invoice with 30,60 or 90 day payment terms are best
REAL ESTATE FINANCING
Real estate financing is a great option for both investors and commercial property purchases. This option is best for individuals and businesses looking to purchase real estate.
Pros:
Fast funding
Specialized funding option for real estate
No Document or minimum documents required
Best for:
Businesses looking to buy a new location
Investors looking to buy single family, multi family properties or fix and flip properties
