FINANCING SOLUTIONS

Structured capital for complex business needs. Direct lending without the constraints of traditional banking.

OUR LENDING PROGRAMS

We provide flexible funding solutions tailored to your business structure and growth objectives.

Working Capital Loans

Fuel daily operations, inventory purchases, and seasonal cash flow needs with flexible working capital financing. Our structures align with your revenue cycles and operational patterns.

Loan Amounts $100,000 - $5,000,000
Typical Terms 6 - 36 months
Use Cases Operations, inventory, payroll, growth initiatives
Structure Fixed or variable rates, revenue-based options available

Ideal For: Businesses with consistent revenue patterns needing capital for operations, expansion, or seasonal fluctuations.

Equipment Financing

Acquire machinery, vehicles, technology, and specialized equipment without depleting cash reserves. We structure loans secured by the equipment itself, preserving your working capital.

Loan Amounts $50,000 - $10,000,000
Typical Terms 3 - 7 years
Equipment Types Manufacturing, construction, transportation, technology
Structure Equipment as collateral, terms match asset life

Ideal For: Companies needing specialized equipment or machinery to expand capacity, upgrade technology, or replace aging assets.

Revenue-Based Financing

Flexible capital repaid as a percentage of your revenue. Payments scale with your business performance—higher revenue months mean larger payments, slower months mean smaller ones.

Loan Amounts $50,000 - $2,000,000
Repayment 5-15% of monthly revenue until repaid
Use Cases Marketing, expansion, inventory, hiring
Structure No fixed monthly payment, aligns with cash flow

Ideal For: Businesses with variable or seasonal revenue seeking capital without rigid monthly obligations.

Commercial Real Estate Loans

Acquire, refinance, or renovate commercial property. We provide bridge financing and permanent loans for owner-occupied and investment properties.

Loan Amounts $250,000 - $15,000,000
Typical Terms 3 - 25 years
Property Types Industrial, office, mixed-use, retail
Structure LTV up to 80%, competitive rates

Ideal For: Business owners purchasing facilities, expanding operations, or refinancing existing commercial mortgages.

Business Expansion Loans

Strategic capital for significant growth initiatives—opening new locations, entering new markets, major hiring, or acquisition financing.

Loan Amounts $500,000 - $10,000,000
Typical Terms 3 - 7 years
Use Cases New locations, acquisitions, major contracts, market entry
Structure Customized to match growth timeline and cash flow

Ideal For: Established businesses with proven operations executing strategic growth plans requiring substantial capital.

Bridge Financing

Short-term capital to bridge funding gaps, close time-sensitive opportunities, or provide liquidity during transitions. Fast approvals when timing is critical.

Loan Amounts $100,000 - $5,000,000
Typical Terms 3 - 18 months
Use Cases Acquisitions, large contracts, equipment purchases, refinancing
Structure Interest-only options, fast funding

Ideal For: Businesses needing immediate capital for opportunities that can't wait for traditional bank financing.

TYPICAL REQUIREMENTS

We work with established businesses showing strong fundamentals and growth potential.

General Qualifications

  • Minimum 2 years in business (some exceptions for strong startups)
  • Annual revenue typically $500,000+ (varies by program)
  • Positive cash flow or clear path to profitability
  • Strong business model with identifiable competitive advantages
  • Collateral or asset base (for secured financing)
  • Personal guarantee typically required for owners with 20%+ equity

Note: Requirements vary by loan program and amount. We evaluate each business individually and can often find solutions for situations that don't fit traditional bank criteria.

READY TO DISCUSS YOUR NEEDS?

Contact us for a confidential assessment of your financing requirements.

Start Your Application