Term-loan capital for growth, hiring, equipment and inventory.
Business loans provide term capital for operators who need funding beyond what a single receivable can support. Equipment, expansion, inventory, hiring, or a time-sensitive opportunity. The loan is underwritten on the business itself, its revenue, its history, and its ability to repay.
- I.iA term loan extended to the business for general commercial purposes.
- I.iiRepaid in scheduled installments over a defined period, typically 6 to 36 months.
- I.iiiNot tied to a specific invoice or receivable. The capital is available for the operator to deploy as needed.
Term-loan capital for growth, hiring, equipment and inventory.
- 01
Apply
Submit a short application, recent bank statements, and basic financials. We review the business, not just one invoice.
- 02
Underwrite the business
We assess revenue history, time in business, cash flow patterns, and the intended use of funds.
- 03
Fund
Approved capital is wired to the business operating account. Use of funds is at the operator's discretion.
- 04
Repay
Fixed installments on a scheduled basis. No surprises, no variable holdbacks.
- 01Operators who need capital for a purpose that isn't tied to a specific receivable
- 02Equipment purchases, facility expansion, inventory builds, or hiring ahead of a contract
- 03Businesses with at least 12 months of operating history and demonstrable revenue
- 04Situations where the operator needs a defined amount on a defined schedule
- 01Startups without operating history, we underwrite the business track record
- 02Consumer or personal loans, this is commercial financing only
- 03Operators who primarily need to accelerate receivables, invoice factoring is a better fit
- Loan size
- $25K – $500K typical
- Term
- 6–36 months
- Repayment
- Fixed scheduled installments
- Decision
- Direct, no committee
- Use of funds
- General business purposes
- Collateral
- Case-by-case
Tell us what the capital is for and we'll respond with indicative terms.