Eight ways to put capital to work.

Merchant cash advance

An advance against your future card sales, repaid as a small slice of daily or weekly revenue.

A merchant cash advance gives you a lump sum today in exchange for a fixed percentage of your future card sales. Because remittance scales with your revenue, slow weeks cost you less — which makes it a natural fit for seasonal and high-volume retail, restaurants, and service businesses.

• Funds in as little as 24–72 hours once approved
• Remittance scales down automatically on slow weeks
• Approval weighs revenue more heavily than credit score
• Minimal documentation — usually 3 months of statements

Business line of credit

Revolving capital you draw on whenever you need it — and only pay for what you use.

A line of credit is a flexible reserve you can draw against on demand and repay on your own schedule, then draw again. You only pay interest on the balance you actually use, which makes it ideal for smoothing cash flow, covering payroll gaps, and pouncing on time-sensitive opportunities.

• Draw and repay repeatedly, like a credit card for your business
• Interest only on what you draw
• Great for payroll, inventory, and surprise expenses
• Builds business credit as you use and repay it

Equipment financing

Finance up to 100% of equipment cost, with the equipment itself as the collateral.

Equipment financing lets you acquire the trucks, machinery, medical gear, or technology you need without draining working capital. Because the equipment secures the loan, approval is often easier and rates competitive — and both new and used equipment qualify.

• Up to 100% of equipment cost financed
• The equipment is the collateral — less reliance on other assets
• New and used equipment both qualify
• Predictable fixed payments over the useful life of the asset

SBA loans

Long-term, low-rate, government-backed loans for established, qualifying businesses.

SBA loans are partially guaranteed by the U.S. Small Business Administration, which lets partner lenders offer longer terms and lower rates than conventional financing. They take more documentation and time, but for acquisitions, real estate, and major expansion they are often the most affordable capital available.

• Among the lowest rates and longest terms available
• Great for acquisitions, real estate, and large expansions
• Requires stronger documentation and a longer timeline
• We help you prepare a clean, lender-ready package

Invoice factoring

Turn unpaid B2B invoices into cash now instead of waiting 30–90 days to get paid.

With factoring, you sell your outstanding invoices to a funding partner for an immediate advance — typically 80–97% of face value — and receive the rest (minus a small fee) when your customer pays. It closes the gap between delivering work and getting paid, which is a lifeline for trucking, staffing, and B2B service businesses.

• Advance often within 24 hours of submitting an invoice
• Underwriting weighs your customers’ credit, not just yours
• Recourse and non-recourse structures available
• Scales automatically as your invoicing grows

Revenue-based financing

Capital repaid as a fixed percentage of revenue — no rigid monthly payment.

Revenue-based financing ties repayment to your top line: you remit an agreed percentage of revenue until the advance plus a flat fee is repaid. Payments flex with your sales, so you are never crushed by a fixed obligation in a down month. Popular with ecommerce and subscription businesses with predictable revenue.

• Repayment flexes with your monthly revenue
• No fixed monthly burden during slow periods
• Underwritten on sales velocity, not just credit
• Fast, low-documentation approval

Startup funding

Capital for younger businesses — under two years old — with strong potential.

Most lenders shy away from businesses under two years old. We work with partners who specialize in newer companies, using personal credit, early revenue, and business potential to structure something workable — from working capital to equipment financing to credit-based funding.

• Built for businesses the big banks consider “too new”
• Combines personal credit strength with early revenue
• Honest guidance on what is realistic at your stage
• A path to larger funding as you build history

Working capital loans

Short-term, lump-sum capital for payroll, inventory, and day-to-day operating costs.

A working-capital loan is straightforward term financing: a lump sum up front, repaid in fixed installments over a defined period. It is the workhorse product for covering operating expenses, bridging a slow stretch, or funding a clear, near-term need without the open-ended nature of a line of credit.

• Simple lump sum with predictable fixed payments
• Fast approval and funding
• Ideal for payroll, inventory, and operating costs
• Clear payoff timeline — no revolving balance