The right capital, in the right structure.
No two businesses need the same money the same way. We arrange financing across nine product categories through a vetted funder network — and we tell you plainly what each one is good for, what it costs you in flexibility, and when you should choose something else.
Working Capital Funding
Flexible capital for the day-to-day engine of your business — payroll, inventory, materials, marketing, and the gap between doing the work and getting paid. Funding decisions weight your actual revenue and bank activity more heavily than your credit score alone, and qualified files can move from application to funding in days, not weeks.
Best For
- Covering payroll, inventory, or materials ahead of revenue
- Smoothing seasonal or receivables-driven cash flow gaps
- Acting on a time-sensitive purchase or contract
How It Typically Works
- Lump sum funded to your business bank account
- Fixed daily, weekly, or monthly remittances
- Shorter terms than bank loans — built for fast payback and reuse
Typical Qualifying Profile
- 6+ months in business
- Roughly $15,000+ in monthly gross revenue
- Business bank account with consistent deposits
Considerations
- Costs more than bank financing — you pay for speed and flexibility
- Short terms mean meaningful periodic payments; we model them against your cash flow before you sign
Revenue-Based Financing
Capital with remittances tied to a fixed percentage of your revenue. When sales run hot, you pay down faster. When sales slow, the dollar amount flexes with you. It’s a structure built for businesses with healthy but variable revenue — restaurants, retail, e-commerce, seasonal trades.
Best For
- Businesses with strong but uneven monthly revenue
- Owners who want payments that track performance, not the calendar
- Growth spend where the return follows the revenue curve
How It Typically Works
- Funding amount based on verifiable monthly revenue
- A set percentage of revenue remitted until the agreed amount is satisfied
- Total cost stated as a fixed amount up front — in writing
Typical Qualifying Profile
- 6+ months in business
- Consistent, verifiable revenue deposits
- Multiple revenue months strong enough to support the advance
Considerations
- Most revenue-based products are structured as purchases of future receivables — not loans — with different legal and cost characteristics
- Flexibility is priced in; compare total payback, not just the payment
Merchant Cash Advance (MCA)
The fastest tool in the kit. An MCA is the purchase of a portion of your future receivables at a discount — you receive a lump sum now, and the funder collects an agreed amount from future revenue. It is not a loan, and we’ll never market it as one. Used correctly, it captures opportunities that can’t wait. Used carelessly, it strains cash flow. Our job is to make sure it’s the former.
Best For
- Genuinely time-sensitive opportunities with a clear return
- Businesses with strong card or deposit volume
- Owners declined by banks who still have real revenue
How It Typically Works
- Advance amount based on your revenue history
- Cost expressed as a factor rate (e.g., a fixed multiple of the advance) — you know total payback before signing
- Daily or weekly remittances from receipts
Typical Qualifying Profile
- Several months of consistent revenue history
- Credit profile weighs less than revenue strength
- Active business bank account
Considerations — Read These
- This is a purchase of receivables, not a loan; factor-rate cost is typically higher than other products
- We model remittances against your real bank activity first — if it doesn’t fit, we’ll say so
- We don’t stack positions on top of positions. That practice buries businesses, and we won’t do it.
Equipment Financing
Fund the machine that makes the money. Trucks, medical and dental equipment, kitchen builds, manufacturing lines, heavy machinery, technology — the equipment itself typically serves as collateral, which generally means longer terms and more competitive pricing than unsecured options.
Best For
- Purchasing new or used revenue-producing equipment
- Replacing aging assets without draining cash reserves
- Vendors and dealers who want financing attached to the sale
How It Typically Works
- Financing structured around the specific equipment and quote
- Equipment serves as collateral; terms often run multiple years
- Fixed monthly payments that map to the asset’s working life
Typical Qualifying Profile
- Established operating history
- Equipment quote or invoice from the seller
- Revenue sufficient to support the payment
Considerations
- The asset secures the financing — default puts the equipment at risk
- Used or specialized equipment may carry different terms than new
Business Line of Credit
Capital on call. A revolving line lets you draw what you need, when you need it, and generally pay only on what you’ve drawn. It’s the right instrument for businesses that face recurring, unpredictable needs rather than one defined expense — a financial shock absorber that’s in place before you need it.
Best For
- Recurring short-term needs: inventory cycles, payroll timing, repairs
- Owners who want capital secured before the need arises
- Smoothing receivables without taking a full lump sum
How It Typically Works
- Approved credit limit; draw and repay as needed
- Cost generally applies to drawn balances
- Limits may be reviewed and adjusted over time by the funder
Typical Qualifying Profile
- Generally stronger revenue and credit profile than advance products
- Established banking history with consistent deposits
Considerations
- Limits are typically smaller than term funding amounts
- Open availability requires discipline — a line is a tool, not a habit
Bridge Funding
Short-term capital that closes the gap between now and a defined event — a receivable landing, an SBA or bank loan closing, a property sale, a contract paying out. When the money is coming but the opportunity is here, a bridge keeps you from losing the deal to the calendar.
Best For
- Capital needed ahead of a confirmed inflow or closing
- Real estate investors and operators between transactions
- Businesses awaiting large receivables or contract payments
How It Typically Works
- Short-term structure built around your exit event
- Designed to be retired by the incoming capital
- Underwriting focuses on the credibility of the exit
Typical Qualifying Profile
- A clear, documentable exit — the deal lives or dies on it
- Revenue or assets to support the interim position
Considerations
- Short-term capital is priced for speed; the exit must be real, not hopeful
- If the exit slips, the position gets expensive — we pressure-test the timeline with you up front
Expansion Capital
Funding for the deliberate next move: a second location, a larger facility, a new market, key hires, a fleet, a franchise unit. Expansion capital is less a product than a structuring exercise — we frequently combine working capital, equipment financing, and term structures so the repayment curve matches the revenue the expansion will actually produce.
Best For
- Opening or building out additional locations
- Scaling teams, fleets, or production capacity
- Acquiring books of business or competitor assets
How It Typically Works
- Capital plan built around the expansion budget and timeline
- Often a blend of product types matched to each use
- Staged funding possible as milestones are hit
Typical Qualifying Profile
- Established core business with proven revenue
- A concrete plan — numbers, not vibes
Considerations
- New locations take time to ramp; structure must survive the ramp period
- We’d rather right-size the raise than fund an undisciplined plan
Debt Consolidation & Restructuring
If multiple positions are pulling daily payments out of your account, consolidation can replace them with a single, structured obligation — freeing cash flow and restoring control. We model your current total cost against the proposed structure before anything is signed. If consolidation doesn’t genuinely improve your position, we’ll tell you that, because a consolidation that just resets the clock isn’t a solution.
Best For
- Businesses carrying multiple daily or weekly payment positions
- Owners whose cash flow is consumed by stacked obligations
- Fundamentally sound businesses with a structure problem, not a revenue problem
How It Typically Works
- Full inventory of existing balances, payments, and payoff amounts
- Side-by-side model: current state vs. proposed structure
- New structure retires existing positions where it makes sense
Typical Qualifying Profile
- Real underlying revenue once payments are normalized
- Complete transparency on existing obligations — we need the whole picture
Considerations
- Consolidation is not automatically cheaper — that’s why we model it first
- Extending term can lower payments while raising total cost; you’ll see both numbers before deciding
Commercial & Special Situations
Some files don’t fit a box: larger capital needs, real estate–adjacent transactions, acquisitions, partner buyouts, and businesses with complicated stories. These are structured conversations, not form-fill products. Bring us the situation; we’ll tell you whether our network has a real path — and if it doesn’t, we’ll say so quickly instead of wasting your time.
Commonly Includes
- Larger working capital and growth raises
- Business acquisition and partner buyout funding
- Real estate–adjacent and investor scenarios
How It Typically Works
- Direct conversation with a senior specialist — not a queue
- Structure designed around collateral, cash flow, and the exit
- Placed with the funders in our network suited to the profile
Side by Side
Compare your options.
A first-pass map. Your specialist narrows it to the one or two structures that actually fit your file.
| Product | Best For | Typical Speed* | Repayment Style |
|---|---|---|---|
| Working Capital | Day-to-day operations & cash flow gaps | Days | Fixed daily, weekly, or monthly |
| Revenue-Based Financing | Strong but variable revenue | Days | Percentage of revenue |
| Merchant Cash Advance | Maximum speed, revenue-strong files | Often 24–72 hrs after approval | Daily/weekly from receipts |
| Equipment Financing | Revenue-producing equipment | Days to weeks | Fixed monthly, multi-year |
| Line of Credit | Recurring, unpredictable needs | Days to weeks | Revolving; pay on drawn balance |
| Bridge Funding | Defined gap before a confirmed inflow | Days | Short-term; retired at exit |
| Expansion Capital | Locations, capacity, acquisitions | Varies by structure | Blended / structured |
| Debt Consolidation | Replacing stacked positions | Varies by payoffs | Single structured obligation |
| Commercial / Special | Larger or complex situations | Deal-specific | Structured to the deal |
*Typical ranges for qualified files after a complete submission, including final approval and documentation. Actual timing, availability, amounts, and terms vary by funder, product, state, and business profile, and are not guaranteed.
No Fee · No Obligation
Not sure which structure fits?
That’s literally our job.
One application. A specialist reviews your file against every product on this page and comes back with the options worth your time — and a straight answer if none are.