Business Lending
Capital for the business, not just the building.
Real estate investors usually run a business alongside the portfolio, and plenty of our borrowers are operators with no property involved at all. This division covers the funding that keeps an operating company moving — payroll and inventory, the truck, the receivable that has not landed, the acquisition.
What makes it business
- Cash flow, not collateral alone
- Operating businesses are underwritten on what the business does. A property is not a prerequisite for working with us.
- The gap between invoice and payment
- Plenty of otherwise healthy companies are short only because a customer pays in sixty days. That is a financing problem with a specific answer.
- Buying a business
- Acquisition and partner buyouts are structured around the strength of the deal, including where an SBA program is the better route than our own paper.
- Speed where it matters
- An equipment purchase or a payroll run has a date attached. Timelines are set around that rather than around a quarterly credit calendar.
Programs in this division
Rates, advance rates and closing times live on each program page.
- Working Capital LoansFund payroll, marketing, and operations with same-day working capital — ideal for seasonal and scaling businesses.
- Business Line of CreditAccess $10K–$5M in reusable capital with instant decisions, no draw fees, and same-day funding. Draw, repay, repeat.
- Equipment & Inventory FinancingFinance up to 100% of equipment and inventory costs with fast approvals and minimal paperwork — new or used.
- Invoice FactoringTurn unpaid invoices into immediate cash with invoice factoring and cash-advance options that keep operations moving.
- SBA LoansSBA-backed financing with competitive rates and longer terms for qualifying small businesses ready to grow.
- Acquisition & Partner Buyout LoansCapital to acquire a business or buy out a partner, structured around the strength of the deal and your goals.