The honest guide to business capital.
What to borrow, when to borrow, and how to avoid the expensive mistakes most owners make on their first round of financing.
Products at a glance
Six core financing products.
Each one solves a specific problem. Your advisor will narrow the field in the first call — usually to two or three real options.
Business Line of Credit
- Range
- $10K – $500K
- Speed
- 24–48 hours
- Rates
- From 6.9% APR
- Best for
- Working capital, payroll, inventory dips
Qualifies: 6+ months in business · $5K+ monthly revenue ·
SBA Loans
- Range
- $50K – $30M
- Speed
- 30–60 days
- Rates
- Prime + 1.75%–4.75%
- Best for
- Real estate, expansion, acquisitions
Qualifies: 2+ years in business · profitable
Equipment Financing
- Range
- $25K – $5M
- Speed
- 2–5 days
- Rates
- From 5.6% APR
- Best for
- Trucks, machinery, tech, medical equipment
Qualifies: Equipment as collateral · 1+ year in business
Term Loans
- Range
- $25K – $2M
- Speed
- 3–7 days
- Rates
- From 6.7% APR
- Best for
- Growth projects with predictable ROI
Qualifies: 1+ year in business · $20K+ monthly revenue
Invoice Factoring
- Range
- Up to 90% of A/R
- Speed
- 24 hours
- Rates
- 1%–3% factor fee
- Best for
- B2B with slow-paying customers
Qualifies: Creditworthy customers · clean invoices
Debt Refinancing
- Range
- $50K – $5M
- Speed
- 5–10 days
- Rates
- From 6.9% APR
- Best for
- Consolidate high-cost debt into one payment
Qualifies: 12+ months on existing debt · stable revenue
How to choose
Four steps before you sign anything.
Clarify the use of funds
Working capital, equipment, real estate, or refinancing each map to different products. Specifics matter — lenders price risk based on how capital will be deployed.
Know your numbers
Have last 3 months of bank statements, YTD P&L, and your personal FICO ready. These three inputs drive 80% of underwriting decisions.
Match product to timeline
Need cash in 48 hours? Line of credit or factoring. Buying a building? SBA 7(a) or 504. Speed and cost trade off — your advisor will model both.
Compare real offers
A single soft pull lets us shop multiple lenders without dinging your credit. Compare APR, term, fees, and prepayment penalties side-by-side.
Application checklist
Have these ready before you apply.
- Last 3 months of business bank statements
- Year-to-date Profit & Loss statement
- Most recent business tax return
- Government-issued ID (driver's license)
- Voided business check for funding
- Debt schedule (for refinances and SBA)
FAQ
Questions owners ask first.
Will applying hurt my credit score?+
No. Initial review uses a soft credit pull, which has zero impact on your FICO. A hard pull only happens after you accept an offer.
How fast can I get funded?+
Lines of credit and factoring can fund in 24–48 hours. Term loans and equipment financing typically close in 3–7 days. SBA loans run 30–60 days due to government underwriting.
What documents do I need?+
At minimum: last 3 months of business bank statements, a recent P&L, and a driver's license. SBA and larger term loans require tax returns and a debt schedule.
Do you work with newer businesses?+
Yes — many of our lenders fund businesses with 6+ months of operating history and $15K+ in monthly revenue. Startups under 6 months are best served by SBA microloans or revenue-based products.
What if I have bad credit?+
FICO under 600 narrows options but doesn't eliminate them. Revenue-based financing, invoice factoring, and equipment loans weight business performance over personal credit.
Ready to see real numbers?
A 12-minute call with a dedicated advisor — no obligation, no hard pull.
Get a quote