Funding Options
SBA 7(a) Loan
The most common SBA loan, offering flexible funding for a wide variety of business needs with longer terms and lower rates
– Business expansion
– Equipment purchases
– Working capital
– Inventory
– Debt refinance
SBA 7(a) Express Loan
A faster version of the traditional 7(a) with quicker approvals and lower documentation requirements, but typically smaller amounts.
– Short-term working capital
– Minor equipment purchases
– Emergency funding
– Bridge capital
– Business growth projects
SBA 504 Loan
Designed for long-term, fixed-rate financing for major fixed assets like commercial real estate or heavy equipment.
– Real estate purchases
– Construction or build-outs
– Equipment purchases
– Land acquisition
– Facility improvements
0% Business Credit Stacking
A revolving credit strategy that secures multiple 0% interest business credit cards, maximizing short-term cash flow with no upfront interest.
– Start-up capital
– Marketing and advertising
– Inventory purchases
– Cash reserves
– Business growth projects
Merchant Cash Advance (MCA)
Quick-access funding based on future business revenues. No collateral or perfect credit required.
– Cover slow revenue periods
– Payroll
– Inventory restock
– Marketing boosts
– Emergency expenses
Business Term Loan
Fixed-term loans with set repayment schedules, ideal for stable businesses seeking lump-sum capital.
– Business expansion
– Equipment upgrades
– Debt consolidation
– Working capital
– Leasehold improvements
Business Line of Credit
Flexible credit access that allows businesses to draw funds as needed and only pay interest on what they use.
– Business expansion
– Equipment upgrades
– Debt consolidation
– Working capital
– Leasehold improvements
Invoice Factoring
Advance capital based on outstanding receivables, improving cash flow while waiting for customer payments.
– Manage slow-paying clients
– Smooth cash flow gaps
– Cover operating expenses
– Take on larger contracts
– Growth opportunities
Equipment Financing
Specialized financing for purchasing or leasing equipment without large upfront costs. Ideal for preserving cash flow while acquiring essential business tools.
– New or used equipment purchases
– Lease buyouts
– Technology upgrades
– Vehicle or machinery acquisition
– Equipment repairs or replacements