Our Services
Business Term Loans
Get the capital you need with predictable payments
Traditional bank loans taking too long?
Our business term loans offer:
- Fast approval: Decisions within 4 hours
- Flexible terms: 3-36 months available
- Competitive rates: Based on your business performance, not just credit
- No collateral required for most loans
- Use funds for anything: Inventory, expansion, equipment, or cash flow
Perfect for: Established businesses with consistent revenue looking for growth capital or working capital solutions.
Working Captial Loans
When your business has the contracts but needs the cash to fulfill them:
- Revenue-based qualification: $35,000+ monthly revenue
- Quick turnaround: Same-day funding available
- Flexible repayment: Based on your cash flow cycle
- No personal guarantees in many cases
Perfect for: Service businesses, contractors, and companies with seasonal fluctuations.
Business Line of Credit
Access funds when you need them, pay only for what you use
Think of it as a business credit card, but better:
- Draw funds as needed: Up to your approved credit limit
- Pay interest only on what you use
- Revolving credit: Repay and reuse your line
- Emergency backup: Perfect for unexpected expenses or opportunities
Perfect for: Businesses that need flexible access to capital for unpredictable expenses or seasonal needs.
Debit Consolidation
Business Debt Consolidation
What It Is: A financial strategy that combines multiple business debts into a single loan with one payment, often at a lower overall cost.
Key Features:
- Simplify Finances: Replace multiple payments with one manageable monthly payment
- Potential Interest Savings: Often secure lower overall interest rates
- Improve Cash Flow: Reduce monthly payment obligations
- Reduce Stress: Easier tracking and management of business debt
- Protect Credit Score: Avoid missed payments by simplifying obligations
- Extended Terms Available: Longer repayment periods to reduce payment amounts
What Can Be Consolidated:
- Multiple merchant cash advances
- Business credit card balances
- Equipment loans
- Working capital loans
- Vendor financing
- Tax debts (in some cases)
Benefits:
- Better financial organization and clarity
- Improved relationship with single lender
- Potential to negotiate better terms
- Free up mental energy to focus on growth
- Strengthen business credit over time
Ideal For: Businesses juggling multiple debt obligations that want to streamline finances, reduce stress, and potentially lower overall costs while improving cash flow management.
Merchant Cash Advance
What It Is: A lump-sum cash advance based on future credit card sales or daily bank deposits, repaid through a percentage of daily transactions.
Key Features:
- Ultra-Fast Funding: Often funded within 24-48 hours
- No Fixed Payments: Repayment fluctuates with sales volume (more sales = higher payments, slower periods = lower payments)
- Credit Card Sales Based: Ideal for businesses with high credit card transaction volumes
- Minimal Documentation: Simplified application process
- No Collateral Required: Unsecured funding option
- Flexible Qualification: Easier approval than traditional bank loans
- Advance Amounts: Typically $5,000 to $500,000
Repayment Structure:
- Daily or weekly automatic deductions from credit card sales or bank account
- Percentage-based (typically 10-20% of daily sales)
- Payments adjust with business performance
Best Suited For:
- Retail stores
- Restaurants and cafes
- Salons and spas
- E-commerce businesses
- Service providers with high card transaction volumes
Ideal For: Businesses with strong credit card sales that need immediate capital and prefer flexible repayment tied to revenue performance.
Equipment Financing
Business Debt Consolidation
What It Is: A financial strategy that combines multiple business debts into a single loan with one payment, often at a lower overall cost.
Key Features:
- Simplify Finances: Replace multiple payments with one manageable monthly payment
- Potential Interest Savings: Often secure lower overall interest rates
- Improve Cash Flow: Reduce monthly payment obligations
- Reduce Stress: Easier tracking and management of business debt
- Protect Credit Score: Avoid missed payments by simplifying obligations
- Extended Terms Available: Longer repayment periods to reduce payment amounts
What Can Be Consolidated:
- Multiple merchant cash advances
- Business credit card balances
- Equipment loans
- Working capital loans
- Vendor financing
- Tax debts (in some cases)
Benefits:
- Better financial organization and clarity
- Improved relationship with single lender
- Potential to negotiate better terms
- Free up mental energy to focus on growth
- Strengthen business credit over time
Ideal For: Businesses juggling multiple debt obligations that want to streamline finances, reduce stress, and potentially lower overall costs while improving cash flow management.