BUSINESS Loans
Business Line of Credit
Term Loan (Including SBA 7(a)/504)
Term Loan (Including SBA 7(a)/504)
Purpose: Flexible, revolving credit for ongoing operational needs and cash flow gaps.
Overview: Reusable credit line up to $2M, drawn as needed with interest (0-18%) only on balance.
Typical Eligibility: 650+ credit score; 18+ months in business; $25K–$2M funding amount.
Term Loan (Including SBA 7(a)/504)
Term Loan (Including SBA 7(a)/504)
Term Loan (Including SBA 7(a)/504)
Purpose: Long-term fixed financing for equipment, real estate, or major expansions.
Overview: Lump-sum loan repaid over 5–30 years at prime-based rates (11–13%); SBA 7(a)/504 programs provide government-backed financing for small businesses with favorable terms.
Typical Eligibility: 650+ credit; $100K–$5M amount; 3 years profit on tax returns; $500K+ annual revenue; SBA-specific: 700+ credit preferred.
Asset-Based Loans
Term Loan (Including SBA 7(a)/504)
Asset-Based Loans
Purpose: Provide fast working capital for growing businesses using property or assets as collateral.
Overview: Real estate-backed cash secured by your property holdings. Better terms and quicker funding than merchant cash advances—asset protection with business growth velocity.
Typical Eligibility: Property ownership/equity; established business operations; minimal personal credit requirements; faster approval than unsecured advances.
Conventional Structured Financing
Senior Debt
Subordinated/Mezzanine Debt
Subordinated/Mezzanine Debt
Purpose: Provide traditional first-position loans for established businesses needing core operating capital.
Overview: Straight debt financing secured by business assets or cash flow, typically with lower rates but stricter qualification.
Typical Eligibility: $1M–$1B equity needs; revenue minimum $1M for last 24 months; strong financials and collateral.
Subordinated/Mezzanine Debt
Subordinated/Mezzanine Debt
Subordinated/Mezzanine Debt
Purpose: Bridge financing layered behind senior debt for growth, acquisitions, or expansions.
Overview: Junior debt with higher rates (3–12%) that fills the capital gap between equity and senior loans.
Typical Eligibility: $1M–$100M needs; structured transactions; proven revenue and business plan.
Equity Capital Raising
Subordinated/Mezzanine Debt
Equity Capital Raising
Purpose: Secure growth capital through equity investments for startups and scaling companies.
Overview: Facilitate pre-seed, seed, and subsequent funding rounds ($1M–$75M) from institutional and angel investors.
Typical Eligibility: Compelling business model; working prototype or MVP (pre-seed/seed); 12+ months traction and revenue potential (Series A+); strong founding team; clear path to 10x returns.