Business Term Loan
$5,000 – $500,000
Loan amount
One lump sum, one fixed schedule, one clear finish line.
- Amount$5,000 – $500,000
- TermsUp to 36 months
- SpeedFunding as soon as the same day
Small business funding
Capital that arrives while the opportunity is still open.
Five ways to fund your business, from $5,000 to $5 million. Apply in minutes, speak with a U.S.-based advisor, and see funds as soon as tomorrow.
U.S.-based advisorsOne person, start to finish
Funding in 24 hoursOn most approved applications
Transparent termsTotal cost shown before you sign
12+ years in businessFunding U.S. small businesses since 2014
Funding options
Five products. One application. One advisor who knows which is which.
Most lenders push whatever they happen to sell. We start from what your business is actually trying to do, then match it to the structure that costs you least.
Merchant Cash Advance
$5,000 – $500,000
Advance amount
Repayment that moves with your sales, not against them.
- Amount$5,000 – $500,000
- TermsRepaid from daily card sales
- SpeedFunding as soon as 24 hours
SBA Loan
$50,000 – $5,000,000
Loan amount
The longest terms and lowest payments available — worth the wait.
- Amount$50,000 – $5,000,000
- TermsUp to 10 years (25 for real estate)
- SpeedTypically 30 – 90 days
Equipment Financing
$10,000 – $1,000,000
Equipment value
The equipment secures itself, so your working capital stays where it is.
- Amount$10,000 – $1,000,000
- Terms12 – 72 months
- SpeedApproval as soon as 24 hours
Business Line of Credit
$6,000 – $250,000
Revolving limit
Draw what you need, when you need it. Repay, and the room comes back.
- Amount$6,000 – $250,000
- Terms12, 18 or 24 months per draw
- SpeedDraw in seconds, 24/7
How it works
Three steps, one advisor, no runaround
Tell us about your business
A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.
Talk to a real advisor
A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.
Sign and get funded
Choose your option and sign electronically. On most approved applications funds are on the way the same business day.
Why owners stay
You get one advisor, and they answer the phone.
No brokered hand-offs, no portal that forgets who you are. The advisor who reviews your file is the advisor who calls you, structures your offer, and picks up when you call back two years later for a renewal.
- Twelve-plus years funding U.S. small businesses.
- One named advisor from application through funding and renewal.
- Total cost of capital shown in writing before you sign anything.
- No application fee, and no obligation to accept an offer.
- We fund and service in-house rather than selling your file on.
What we look at
Four things, and none of them are a mystery
We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.
12 years in business
Your business has been operating and generating revenue for at least twelve years.
$100,000 annual revenue
Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.
Business checking account
An active business bank account in the legal name of the company.
U.S.-based operation
Your business is registered and operating in the United States.
Industries we fund
Built for the businesses that keep a street running
What owners use it for
Put it toward whatever moves the business forward
Funds are yours to deploy. Here is what businesses most often do with them.
Purchase inventoryCover payrollExpand or renovateLaunch a marketing campaignStabilize cash flowUpgrade equipmentHire more staffConsolidate business debtOpen a second locationBridge slow receivablesBuy a commercial vehicleStock up for a busy season
Client reviews
In the words of the owners we funded
We had four weeks to fit out the second dining room before the summer season. The term loan closed in two days and we opened on time.
Alicia GrantOwner, Grant & Vale Kitchen · Austin, TX
Our receivables run 60 days behind payroll. The line of credit covers that gap every month and costs us nothing in the weeks we don’t touch it.
Marcus ElleryManaging Partner, Ellery Facilities Group · Charlotte, NC
Two trucks went down in the same month. Equipment financing put replacements on the road in under a week and left our cash reserves alone.
Desmond RowePresident, Rowe Freight Logistics · Phoenix, AZ
Businesses we have worked with include:
Grant & Vale KitchenEllery Facilities GroupRowe Freight LogisticsCedar Ridge DentalLakeshore Print & SignageGulfview GrocersIronwood Landscaping Co.Bayside Auto Service
Common questions
Answers before you apply
For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.
Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.
Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.
Typically your three to six most recent business bank statements, basic business details such as your EIN and entity type, and a government-issued ID for the owner. SBA applications require a fuller package, which your advisor assembles with you.
It depends on whether your need is recurring or one-time. Recurring or unpredictable gaps suit a line of credit. A planned one-time project suits a term loan. Card-heavy seasonal businesses often suit a merchant cash advance. Buying an asset suits equipment financing. Large, long-horizon projects suit an SBA loan. Your advisor will make a recommendation and explain the reasoning.
Next step
Ready to see what your business qualifies for?
Answer a few questions about your business. An advisor will call you with the options that fit — usually the same day.