Loan Products

Loan Types

We have over 75+ Alternative Lenders ready to support your business needs. You do not need perfect credit to apply. Most decisions are decided same day and funding within 1-5 Days. Commercial Real Estate (CRE) and SBA Loans have a longer cycle, typically 30-45 days to fund. A business loan is any funding option specifically designed to allow existing or newly established companies to borrow money from lenders. Loan types exist to help entrepreneurs meet different goals.

We work with over 75 financial institutions to get you the most competitive offer. If you are not aware of what type of loan you need a simple description of each loan type we offer is below:

Loan Products that Our Partners Offer:

• Business Line of Credit: Flexible financing option that allows businesses to borrow funds as needed. Interest is ​paid only on the borrowed amount, and funds can be used for various purposes like managing cash flow or covering unexpected ​expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.
• SBA Loans: Government backed loan that can be used to start or expand a business. The loan has certain requirements for eligibility, such as size standards, proving the ability to repay the loan and solid business purpose. The SBA works with specific lenders to offer their programs which eliminate the risk from the lender since they are backed by the government.
• Equipment Financing : A way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.
• Accounts Receivable Financing: Is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.
• Merchant Cash Advance: Isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. The more credit card sales a business does the faster they are able to repay the advance. During times of slow business, the payback would be reflective of the incoming cash flow.
• Franchise Financing: A way for franchisees to obtain funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.
• Residential Investment Loans: It is typically used for purchasing a property to renovate to generate rental income. In most cases, the minimum down payment amount for a conventional investment property loan is 20%. However, several factors will determine your actual down payment requirement, including your credit score, debt-to-income (DTI) ratio, loan program and property type.
• Startup Funding: If you have been in business for less than 6 months, you are considered a startup. Most financing options require a minimum of 6 months startups can be exempt of these requirements. As long as your credit score is 650 or above, we can provide you with business loan options. Additionally, there are no requirements for time in business or gross revenue. However, your options may be limited.
• Commercial Real Estate Financing: (CRE) refers to funding for properties used to generate income. This can include a wide range of real estate capital such as single family, multi-family, mixed use, office, retail, industrial, or warehouse facilities. Our more popular products include: rate and term refinance, cash out refinance, purchase, bridge loans, and fix and flip loans.
• Sub Debt Financing: Subordinated debt (sub debt) gives you access to additional capital without refinancing or disrupting senior loans. It sits behind senior debt in repayment priority, making it a flexible tool for funding growth, acquisitions, or restructuring.
• Purchase Order Financing: Purchase order financing gives you the capital to pay suppliers upfront, so you can fulfill large orders without draining your working capital. Instead of waiting on customer payments, we pay your supplier directly. Once the order is delivered, your customer pays us, and you receive the profit, minus fees.

Have Questions? Speak with a Finance Advisor

Our Finance Advisors will help you find the best financing options for your business to get you more funding, great terms, and the lowest interest. We’re available to explain every step of the process from applications to your re-payment schedule!

We Offer Financial Risk Management Consulting:

• Risk Assessment and Analysis: Evaluate potential risks to your cash flow, investments, and overall financial health.
• Crisis Management Planning: Prepare your business to navigate economic downturns, market shifts, or operational disruptions.
• Financial Strategy Development: Create a customized approach to managing debt, budgeting, and capital allocation.