Programs

Priced to how your cash actually arrives

Banks decline good businesses over formula technicalities. We look at deposits, seasonality, and track record instead — then show you every option you qualify for.

Program 01

Merchant Cash Advance

We buy a fixed share of your future receivables at an agreed price, collected through small scheduled pulls that match how you already get paid. A fit when card and bank deposits are steady and you need capital this week, not this quarter.

Amount: $10,000 – $2,000,000
Term: 3 – 18 months
Speed: Same-day decision

Where owners use it

Restocking before a busy season
Urgent repairs
Opening a second location
Taking supplier discounts

What it takes

— Operating at least 4 months
— $15,000+ in monthly deposits
— Any credit score considered
— Last 3 months of statements

Start this application

Program 02

Revenue-Based Financing

Instead of a fixed payment, you remit a set share of what you actually collect — so lighter months cost you less. Made for seasonal operators who still want a clear finish line.

Amount: $25,000 – $2,000,000
Term: 6 – 24 months
Speed: 24 – 48 hours

Where owners use it

Bridging seasonal dips
Growth campaigns
Hiring ahead of demand
Replacing expensive positions

What it takes

— Operating at least 6 months
— $25,000+ monthly revenue
— 550+ credit preferred
— Bank and processor statements

Start this application

Program 03

Business Line of Credit

A standing credit line you dip into when you need it; cost touches only what you draw. The lowest-cost answer to gaps that show up every month.

Amount: $10,000 – $500,000
Term: Revolving
Speed: 1 – 3 business days

Where owners use it

Predictable monthly gaps
Supplier deposits
Payroll between invoices
Surprise repairs

What it takes

— Operating at least 12 months
— $20,000+ monthly revenue
— 600+ credit score
— Active business bank account

Start this application

Program 04

Equipment Financing

The machine itself backs the deal, which keeps pricing lean and your cash in the business. We finance new and used equipment from dealers or private sellers.

Amount: $15,000 – $5,000,000
Term: 12 – 72 months
Speed: 2 – 5 business days

Where owners use it

Trucks and trailers
Kitchen and clinical equipment
Machinery and lifts
Technology refreshes

What it takes

— Operating at least 6 months
— Quote or invoice in hand
— 580+ credit score
— Down payment sometimes waived

Start this application

Program 05

Invoice Factoring

Sell your approved invoices and receive most of the value today instead of waiting out 30, 60, or 90-day terms. Your customers' credit does the heavy lifting in approval.

Amount: Up to 90% of invoice value
Term: Per invoice
Speed: 24 hours after verification

Where owners use it

Net-30 to net-90 customers
Government and enterprise contracts
Freight and staffing payroll
Fast-moving order books

What it takes

— Invoicing other businesses or government
— Customers with solid credit
— Unpledged receivables
— Current aging report

Start this application

Undecided? Send one application — we will price every program you clear and walk you through the numbers side by side.

Start your application