Comprehensive working capital solutions for businesses at every stage of growth — from startup to scale-up.
A working capital loan provides your business with the funds to cover everyday operational expenses — payroll, rent, inventory, marketing, and everything in between. Unlike equipment or real estate loans, working capital financing is designed for the rhythm of running a business.
Working capital loans are ideal for businesses experiencing seasonal fluctuations, managing a gap between receivables and payables, preparing for a major opportunity, or simply maintaining smooth operations during growth periods.
Revenue-based financing (RBF) is a flexible capital solution where repayments are tied to your actual business performance. When revenue is strong, repayments are slightly higher. When business slows, repayments adjust accordingly. This alignment between funding and performance makes RBF a natural fit for many business types.
Businesses with consistent revenue but variable seasonality — restaurants, retail, service businesses, e-commerce — benefit most from revenue-based financing. It removes the pressure of fixed payment schedules during slower periods.
Equipment financing lets you acquire the machinery, vehicles, technology, or tools your business needs to operate — without depleting your working capital. The equipment itself typically serves as collateral, making approval more accessible.
Preserve your cash reserves for operations. Build business credit. Take advantage of potential tax deductions (consult your tax advisor). Lock in today's asset price with predictable monthly payments.
Invoice factoring converts your outstanding receivables into working capital without waiting 30, 60, or 90 days for client payments. Sell your invoices and access up to 90% of their face value immediately — with the remainder (minus fees) delivered when your client pays.
B2B businesses with creditworthy clients who take extended time to pay. Industries like staffing, transportation, manufacturing, construction, and professional services frequently use invoice factoring to maintain healthy cash flow.
A business line of credit gives you pre-approved access to capital that you draw on as needed. You only pay interest on what you use, and as you repay, the credit becomes available again. It's the most flexible ongoing funding tool available for small businesses.
Once approved, you receive a credit limit. Draw any amount up to your limit whenever you need it. Repay on schedule, and the credit replenishes. Use it for inventory, payroll gaps, marketing pushes, or any business need that arises.
Business term loans provide a lump sum of capital repaid over a defined period with scheduled payments. They're ideal for planned investments where you know the cost upfront — expansions, renovations, hiring, or large inventory purchases.
If you have a specific investment in mind with a predictable return timeline, a term loan offers lower total cost and structured repayment that makes forecasting easy. It's the right tool for intentional, strategic capital deployment.
| Program | Funding Range | Speed | Best For | Credit-Based? |
|---|---|---|---|---|
| Working Capital Loans | $5K–$500K | 24 Hours | Day-to-day operations | |
| Revenue-Based Financing | $10K–$500K | 24–48 Hours | Seasonal businesses | Revenue-based |
| Equipment Financing | $5K–$500K | 24–72 Hours | Asset acquisition | |
| Invoice Factoring | Up to 90% of invoices | 24–48 Hours | B2B with slow-paying clients | Client credit |
| Business Line of Credit | Up to $250K | 24–48 Hours | Ongoing flexibility | |
| Business Term Loans | $25K–$500K | 48–72 Hours | Planned investments |