Working capital for operating businesses.
Beyond real estate, we place SBA loans, merchant cash advances, lines of credit, equipment financing, and factoring for U.S. businesses. One short form, one conversation, and options priced against your actual revenue — not a generic credit box.
At a glance
- Loan size
- $25K – $5M
- Speed
- 24–72 hrs
- Time in business
- 6+ months
- Credit impact
- None to quote
Six ways to fund the business
SBA 7(a) & 504
Government-backed term debt for acquisition, expansion, or owner-occupied real estate. Longest terms, lowest payments.
Merchant Cash Advance
Fast capital repaid from a slice of daily card receipts. Funding in as little as 24 hours.
Business Line of Credit
Revolving capital you draw on as needed. Pay interest only on what you use.
Term Loans
Fixed-amount, fixed-payment working capital from 6 months to 5 years.
Equipment Financing
Fund vehicles, machinery, and hardware with the equipment as collateral.
Invoice Factoring
Turn unpaid receivables into cash today instead of waiting on net-30 to net-90 terms.
Tell us about the business
This is a separate, business-only intake — no property questions. It takes about two minutes and gets you options priced on revenue, time in business, and use of funds.
- No impact to your personal credit to get a quote
- Options across multiple lenders, not one product
- Answer back within one business day
Business lending questions
How fast can a business loan fund?
A merchant cash advance or line of credit can fund in 24 to 72 hours. SBA loans are underwritten more thoroughly and typically take 30 to 60 days.
What credit score do I need?
Revenue-based products can work in the 550s. SBA and conventional term loans generally want 650 or higher plus two years of operating history.
How long do I have to be in business?
Most programs require at least six months of operating history and consistent monthly deposits. Startups are limited to equipment financing and select SBA options.
Do I need collateral?
Revenue-based products are typically unsecured with a personal guarantee. SBA, equipment, and larger term loans are secured by business assets.
Will applying hurt my credit?
No. The initial quote is a soft review. A hard pull only happens once you accept terms and move to formal underwriting.