Business Capital, Structured Around the Objective

Longer-term financing for acquisitions, expansion, working capital, equipment, debt refinance, and owner-occupied real estate when the business fits traditional underwriting.

• SBA 7(a), SBA 504, SBA Express, and conventional bank structures may apply
• Terms and amortization generally follow the use of proceeds and collateral
• Personal guarantees and borrower equity are common

• Historical and projected cash flow
• Time in business, industry, ownership, and management experience
• Credit, liquidity, collateral, and global debt obligations
• Business plan and intended use of funds

Capital for payroll, inventory, marketing, hiring, expansion, seasonal needs, or general operating flexibility through bank and non-bank structures.

• Revolving lines, fixed-payment term loans, and revenue-based structures may be considered
• Repayment frequency and cost vary significantly by source
• Speed and flexibility often trade against term length and pricing

• Revenue consistency, margins, and operating cash flow
• Recent bank activity and existing debt payments
• Credit profile and time in business
• Requested amount, use of funds, and ability to repay

Financing for third-party acquisitions, management or partner buyouts, franchise purchases, and ownership transitions.

• SBA, conventional bank, seller financing, private credit, and blended structures may apply
• Buyer equity is typically required
• Structure may include working capital and eligible closing costs

• Historical cash flow and purchase-price support
• Buyer experience, liquidity, and post-close plan
• Transaction structure, valuation, and seller involvement
• Customer concentration, transition risk, and debt-service coverage

Loans and leases for machinery, vehicles, medical equipment, technology, production assets, and other essential business equipment.

• New, used, titled, and specialized equipment may be eligible
• Loan, lease, sale-leaseback, and equipment-refinance structures may apply
• Terms generally align with asset type, useful life, and resale value

• Equipment description, vendor, age, condition, and cost
• Business cash flow, credit, and time in business
• Down payment and transaction size
• How the asset supports operations or revenue

Working-capital facilities supported by eligible accounts receivable, inventory, equipment, or other business assets, including factoring where appropriate.

• Revolving ABL lines, AR lines, and invoice-purchase structures may apply
• Availability follows eligible collateral and a defined borrowing base
• Facilities may scale as receivables or asset values grow

• AR aging, customer quality, dilution, and concentration
• Invoice terms, collections history, and days sales outstanding
• Existing liens, contra accounts, and ineligible receivables
• Financial reporting and collateral controls

Transaction-specific capital for materials, inventory, labor, suppliers, contract mobilization, and fulfillment before customer payment is received.

• Purchase-order, contract, inventory, and supplier-payment structures may apply
• Funding is often tied to a specific order, contract, or fulfillment cycle
• Repayment may come from customer proceeds or related receivables

• Executed contracts, purchase orders, and customer credit quality
• Supplier terms, margins, logistics, and fulfillment risk
• Borrower experience and ability to perform
• Payment mechanics and the path from order to collection

Flexible capital for established or growth-stage companies whose size, complexity, ownership, or timing may call for a structure beyond traditional bank financing.

• Senior, unitranche, subordinated, venture-debt, and structured-capital solutions may apply
• Structures may be cash-flow, enterprise-value, recurring-revenue, or asset supported
• Pricing, covenants, warrants, and repayment terms are highly transaction-specific

• Scale, growth profile, margins, and enterprise value
• Management team, ownership, and investor support
• Recurring revenue, customer retention, and concentration
• Capital need, repayment path, and strategic milestones

Unsecured personal loans and introductory 0% APR business credit cards qualified primarily through the owner’s personal credit and income rather than the company’s revenue.

• Can be useful for startups, newer businesses, or companies with limited revenue history
• Personal loans remain personal obligations; business cards commonly require a personal guarantee
• Introductory 0% APR periods are temporary, after which the issuer’s standard rate applies
• Partner-assisted sourcing typically carries a success fee, often 10–15% of the amount secured

• Personal FICO score, payment history, and depth of credit
• Existing limits, utilization, inquiries, and recent applications
• Personal income, employment, and debt-to-income profile
• Derogatory credit and total unsecured exposure