Not every business needs fast money. If your numbers support traditional lending, that's almost always the cheaper path — and we'll point you there even though the faster products pay us sooner.
Term loan. Lump sum, fixed schedule. Best for a defined purchase — equipment, a build-out.
Line of credit. Draw what you need, pay interest only on what you use, and it refills. Best for uneven or seasonal cash flow.
SBA. Partially government-backed. Lowest rates and longest terms we place — and the slowest to close, with the heaviest paperwork.
Matching the product to the actual job is most of the value we add.
Best for: businesses with 1+ years operating, stronger credit, and time to go through underwriting.
Typically 30 to 90 days, sometimes longer. If you need money this week, SBA is the wrong door and we'll say so. If you can wait, the rate difference is substantial.
Generally one to two years in business, reasonably strong personal credit, consistent profitability, and full documentation — tax returns, financials, and bank statements.
If you know the exact amount and purpose, a term loan usually costs less. If the need is ongoing or unpredictable, a line of credit is more flexible. We'll walk your numbers through both.
Sometimes, and sometimes stacking is exactly what sinks a business. We look at what your cash flow can genuinely carry and tell you the truth about it.
One simple application. A dedicated advisor. Multiple offers to compare — and expert guidance choosing the right one.
Tell us a little about your business. Your advisor takes it from there.
