Working Capital Loans

Fuel day-to-day operations with flexible capital that adapts to your business rhythm.

Overview

Working capital is the lifeblood of operational businesses. Whether you're managing inventory cycles, bridging receivable gaps, or funding seasonal demand, our working capital loans provide the liquidity you need without disrupting your cash flow planning.

Ideal Use Cases

  • Inventory purchase and management
  • Bridging accounts receivable gaps
  • Seasonal demand preparation
  • Opportunity purchasing (bulk discounts, limited-time deals)
  • Operating expense coverage during growth phases

Key Features

$25K - $2M

Funding range

3-18 Months

Flexible terms

24-48 Hours

Approval time

Daily or Weekly

Repayment options

Requirements

We look at your business fundamentals—revenue consistency, operational history, and growth trajectory. Typical requirements include:

  • Minimum 6 months in business
  • $100K+ annual revenue
  • Clear use case for capital
  • Bank statements demonstrating cash flow

Revenue-Based Financing

Growth capital that scales with your revenue—flexible repayment aligned to cash flow.

Overview

Revenue-based financing aligns your repayment structure with your actual business performance. Instead of fixed monthly payments, you remit a percentage of revenue. When business is strong, you pay more and retire the funding faster. During slower periods, payments automatically decrease.

Ideal Use Cases

  • Marketing and customer acquisition campaigns
  • Technology infrastructure upgrades
  • Product development and launches
  • Hiring and team expansion
  • Geographic or market expansion

Key Features

$50K - $5M

Funding range

2-15% Revenue

Flexible payment %

Performance-Linked

Payments scale with revenue

No Equity

Maintain full ownership

How It Works

We analyze your revenue patterns and agree on a percentage that's sustainable for your business. That percentage is automatically debited from daily or weekly revenue. The funding is repaid when an agreed-upon total (principal + fixed fee) is reached. There's no interest compounding—just a transparent, one-time cost of capital.

Equipment Financing

Acquire the machinery, vehicles, and technology you need without capital depletion.

Overview

Equipment financing allows you to acquire essential assets—machinery, vehicles, technology infrastructure, manufacturing equipment—while preserving working capital for operations. The equipment itself often serves as collateral, making this one of the most accessible forms of business funding.

Ideal Use Cases

  • Manufacturing and production equipment
  • Commercial vehicles and transportation assets
  • Technology infrastructure (servers, networks, computing)
  • Medical and healthcare equipment
  • Construction and heavy machinery
  • Restaurant and food service equipment

Key Features

Up to 100%

Equipment cost coverage

12-60 Months

Term lengths available

New or Used

Both accepted

Ownership Options

Loan or lease structures

Loan vs. Lease

Equipment Loan: You own the equipment from day one. Payments are structured like a traditional loan, and the equipment serves as collateral. At term end, it's fully yours with no additional costs.

Equipment Lease: Lower monthly payments with an option to purchase at lease end (typically for fair market value or a predetermined buyout). This can be advantageous for technology that depreciates quickly or equipment you may want to upgrade regularly.

Requirements

  • Equipment quote or invoice
  • Business financial statements (last 2 years preferred)
  • Proof the equipment will generate revenue or reduce costs

Ready to Discuss Your Funding Needs?

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