We package your file once and submit it to the lenders that specialize in the product and credit profile that fits your business. You compare the offers and choose.
| Product | Rate / cost | Max amount | Term | Time to fund | Best for |
|---|---|---|---|---|---|
| Business term loan | 6.99%+ APR | $5M | 1 to 5 yrs | 24 to 72 hrs | One-time investments, expansions |
| Line of credit | 8%+ APR | $500K | Revolving | 48 to 72 hrs | Ongoing working capital, seasonal |
| SBA 7(a) loan | From 6.5% | $5M | Up to 25 yrs | 30 to 90 days | Long term growth, acquisitions |
| Merchant cash advance | 1.1 to 1.5x factor | $500K | 3 to 18 mo | 24 hrs | High card volume, flexible repay |
| Equipment financing | From 4.99% | $5M | 1 to 7 yrs | 24 to 48 hrs | Machinery, vehicles, tech |
| Invoice financing | 1 to 5% fee | $5M | 30 to 90 days | 24 to 48 hrs | Net 30/60 clients, payroll gaps |
| Short term loan | Factor rate | $500K | 3 to 18 mo | 24 hrs | Fast gap capital, credit flexible |
| Commercial real estate | From 5.5% | $20M | Up to 30 yrs | 30 to 60 days | Purchase, refi, cash out |
Rates represent best available for qualified borrowers across our lender network. Your terms depend on revenue, time in business, credit profile, and lender underwriting.
A business term loan gives you a lump sum of capital you repay in fixed monthly installments over an agreed term. Because the payment and payoff date are fixed, this is the easiest product to plan around and the most straightforward to compare across lenders.
Most term loan approvals come back within 24 to 48 hours for short term products. Longer term loans through bank partners may take 3 to 5 business days for full underwriting. Either way, you know the total cost before you sign.
A business line of credit works like a credit card for your business: you are approved for a maximum amount, draw only what you need, repay it, and the credit resets. You pay interest only on the outstanding balance.
This is the cleanest product for businesses with variable cash flow, seasonal peaks, or ongoing operational needs. You do not have to know exactly what you need upfront. Draw $30K in January, pay it down by March, draw again in June.
SBA 7(a) loans are government-backed, which means lenders take on less risk and pass the savings to you in the form of lower rates and longer terms. A 25 year SBA loan at 7% versus a 3 year term loan at 14% can mean hundreds of thousands of dollars in total cost difference on the same amount.
The tradeoff is time. SBA loans typically take 30 to 90 days from application to funding. If you need capital this week, this is not the product. If you are planning 60 days out and cost of capital matters, this should be the first option we explore together.
SBA loan rates are tied to the Prime Rate plus a lender spread. As Prime moves, your rate may move with it unless you locked a fixed rate at closing. We explain the current Prime-based rate environment before you apply so there are no surprises.
A 1.28 factor rate means you repay $1.28 for every dollar borrowed. On a $100K advance, you repay $128K total. That sounds manageable until you convert it to an annualized rate on a 9 month term: it is sitting around 70% APR equivalent. We show you this number before you sign. It is not inherently wrong for the right business situation, but you should know it.
A merchant cash advance is a purchase of your future receivables. You receive a lump sum today, and the lender collects repayment as a fixed percentage of your daily card sales. When business is slow, the payment is smaller. When it is busy, you pay more and close out faster.
This is the fastest funded product in our network, often same day for approved files. It is also the highest cost. We only recommend it when the speed and flexibility are worth the premium, or when the credit profile does not qualify for a cheaper product.
Equipment financing uses the equipment itself as collateral, which significantly reduces the lender's risk and often results in lower rates and more flexible credit requirements than unsecured products. You can typically finance up to 100% of the equipment's value.
This covers virtually any business equipment: construction machinery, restaurant kitchen equipment, medical devices, vehicles, printing equipment, technology hardware, and more. If it has a serial number and a resale market, it qualifies.
Factoring sells the invoice outright. The lender collects from your client directly. Invoice financing uses the invoice as collateral but you still collect. Both convert receivables to immediate cash. We explain which structure makes sense for your client relationships before recommending one.
If your business invoices commercial clients on net 30 or net 60 terms, you are essentially giving those clients an interest-free loan every time you deliver work. Invoice financing lets you convert those receivables to cash immediately, typically at 80 to 90% of the invoice face value, with the remainder paid when your client pays.
This is especially common in construction, staffing, trucking, manufacturing, and professional services, any industry where the gap between completing work and receiving payment creates a cash flow problem.
Short term loans bridge a specific gap: a contract that requires capital before it pays, an unexpected expense, a time-sensitive opportunity. They are priced like a cash advance (factor rate rather than APR) but structured as a fixed daily or weekly payment rather than a percentage of card volume.
This is the most flexible credit product in our network. Lenders look primarily at bank statement cash flow, not credit score. A business with strong deposits and low credit can often get approved for a short term product when it would be declined on a term loan.
Debt Service Coverage Ratio loans qualify based on the property's income, not your personal income or tax returns. If the rent covers the mortgage by at least 1.2x, the property qualifies. No W-2s, no personal income verification. This is the most common path for real estate investors in our network.
We work with commercial mortgage lenders for owner occupied business properties, investment properties, mixed use, retail, office, industrial, and multifamily. Both conventional commercial mortgages and DSCR investor loans are available through our network.
Timeline is longer than working capital products, typically 30 to 60 days from application to closing. We coordinate with your title company, attorney, and the lender to keep the process moving and flag any issues before they become closing delays.
Tell us what you are trying to accomplish. We will match you to the product that makes the most financial sense for your business, not the one that pays us the most.