Our ProductsFinancing built for how you operate
We offer a range of commercial financing structures. Your funding director helps you understand each option and recommends the one that genuinely fits your business.
Rank all six by what matters to you right now.
When days matter, these tend to fund first — usually at a higher cost per dollar.
Revenue-Based Financing
An upfront sum of capital provided in exchange for a percentage of your future receipts. Because repayment is tied to your sales, payments rise when business is strong and ease when it slows.
Seasonal businesses and those with uneven month-to-month revenue.
- Amount
- $5K – $1M
- Term
- Varies with your receipts
- Speed
- Often the fastest option to fund
- Cost basis
- Factor-based cost, disclosed as a total before signing
- Payments scale with revenue
- Lightest documentation
- Credit is not the primary factor
Typically the highest cost per dollar — you are paying for speed and flexible qualification.
Working Capital
Term-based financing with a fixed, scheduled payment. You receive an upfront amount and repay it over a set term, so you know the payment and the payoff horizon before you sign.
Businesses that want a fixed schedule and a clear payoff date.
- Amount
- $5K – $2M
- Term
- 3 – 24 months, typical
- Speed
- Days, once your file is complete
- Cost basis
- Fixed total cost disclosed before signing
- Predictable payment schedule
- No collateral required
- Clear payoff horizon
Less flexible than a line of credit — you take the full amount up front and repay on a set schedule.
Invoice Factoring
Turn outstanding invoices into cash now. An advance is made against your receivables so you do not have to wait on customer payment cycles to cover payroll, materials, or the next job.
B2B businesses carrying real receivables from slow-paying customers.
- Amount
- Up to 90% advance rate
- Term
- Per-invoice, no long-term contract
- Speed
- Fast once your account is set up
- Cost basis
- A discount on the invoice face value
- Scales with your receivables
- No long-term contract
- Your customer's credit matters most
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Business Line of Credit
Revolving credit you draw from as needed and repay on your own schedule. You only pay for the portion you actually use, and the available line replenishes as you repay it.
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Equipment & Expansion
Longer-term capital for assets and projects, structured around the return profile of the investment. Used to purchase equipment, open a location, or fund a larger initiative without draining cash reserves.
Businesses making a larger, longer-horizon investment.
- Amount
- $25K – $2M
- Term
- 12 – 36 months, typical
- Speed
- Days to a couple of weeks
- Cost basis
- Cost reflects the asset and the term
- Asset-backed options
- Longer terms spread the cost
- Preserves working cash
The capital is purpose-bound to the asset or project, not general-use cash.
SBA Loans
Government-backed financing with longer terms and lower cost for qualified businesses. SBA programs can offer the most favorable structures available, but involve a more detailed qualification and documentation process.
Established businesses that can qualify and can wait for a longer process.
- Amount
- Up to $5M
- Term
- Multi-year terms
- Speed
- The slowest path — weeks, not days
- Cost basis
- Lowest cost structure of the products here
- SBA 7(a) and 504 programs
- Longest terms available
- Lowest cost when you qualify
The most paperwork and the longest timeline, with the strictest qualification bar.
Order reflects general, relative characteristics of each structure — not a quote or a prediction for your business. Amount ranges and timelines are typical, not guaranteed, and all financing is subject to underwriting review.
Understand how it works before you commit
We believe in clear, balanced information. Here is how commercial financing works in plain terms.
How our funding works
You receive capital upfront and repay it under terms agreed before funding. Depending on the product, repayment may be a fixed scheduled payment, a percentage of receipts, or a draw-and-repay line. Your funding director explains the exact structure for your offer so there are no surprises.
Understanding the cost
The cost of financing depends on the product, amount, term, and your business qualifications. Some commercial products — such as revenue-based financing and merchant cash advances — are not loans and may express cost differently than a traditional APR. You always receive the specific costs and amounts for your transaction before you sign.
Payment frequency
Payments may be scheduled daily, weekly, or monthly depending on the product and structure. More frequent, smaller payments can make repayment easier to manage alongside cash flow, while fixed monthly schedules offer maximum predictability.
All financing is subject to underwriting review. Product availability, funding amounts, rates, fees, and terms vary based on applicant qualifications. Submitting an inquiry or application does not guarantee approval or funding and is not an offer of financing. For full details, see our Commercial Financing Disclosure.
Not sure which fits?
Start with a no-obligation inquiry and a funding director will help you find the right structure.
Start Your Application