Different opportunities. Disciplined structures.

Explore the financing programs we work with and how our team moves a transaction from first call to funded.

Tell us what you’re financing

Program details: Amounts, timing, credit profiles and documentation requirements help frame potential fit. They are not live quotes or guarantees, and they are confirmed once we review your file.

US dollar bills used to illustrate short-term working capital
01 / 06
Short-term capital is evaluated against operating revenue and current program criteria.
Financing program

Short-Term Merchant Cash Advances

A short-term financing structure for businesses with consistent monthly revenue, designed around operating cash flow rather than real-estate collateral.

Common uses

  • Working capital
  • Inventory
  • Time-sensitive expenses

Program profile

Amount
$5K–$2M
Funding speed
24–48 hours
Minimum credit score
FICO 500+
Minimum monthly deposits
$10K+ monthly deposits
Time in business
1+ year in business

Subject to current program guidelines, verification and approval.

Calculator and financial documents used to review a business line of credit
02 / 06
Revolving access is structured around eligible draws, usage and repayment terms.
Financing program

Business Lines of Credit

A flexible structure that lets an eligible business draw as needed and pay interest on the amount used, subject to current underwriting and terms.

Common uses

  • Cash-flow gaps
  • Payroll
  • Ongoing projects

Program profile

Maximum amount
Up to $875K
Minimum credit score
FICO 551+
Minimum monthly revenue
$15K+ monthly revenue
Time in business
6+ months in business

Subject to current program guidelines, verification and approval.

House model and architectural plans for a real-estate financing review
03 / 06
Property financing begins with the transaction, asset and current program fit.
Financing program

Real Estate Financing

Financing for purchases, refinances and equity-driven real-estate transactions involving commercial or investment properties.

Common uses

  • Investment property
  • Commercial property
  • Portfolio expansion

Program profile

Transaction type
Purchase or cash-out
Term length
30-year terms
Minimum credit score
FICO 640+
Documentation
No income or tax verification programs

Subject to current program guidelines, verification and approval.

Business team reviewing financial charts and planning documents
04 / 06
Longer-horizon financing requires organized documentation and a clear use of funds.
Financing program

SBA / Term Loans

Structured financing for expansion, equipment, acquisitions and other major investments where stronger financial documentation and a longer closing process may apply.

Common uses

  • Expansion
  • Equipment
  • Debt consolidation

Program profile

Maximum amount
Up to $7M
Minimum credit score
FICO 640+
Time in business
3+ years in business
Typical timeline
45–60 days
Documentation
Tax returns and financials

Subject to current program guidelines, verification and approval.

Business owner reviewing a credit card and cash-flow figures
05 / 06
A coordinated credit strategy depends on the founder’s profile and current issuer terms.
Financing program

Credit Card Stacking

A coordinated credit-card strategy for qualifying founders who need flexible startup or growth capital.

Common uses

  • Startups
  • Launch costs
  • Short-term purchases

Program profile

Maximum amount
Up to $140K
Minimum credit score
FICO 680+
Introductory APR period
0% APR for 12–18 months

Subject to current program guidelines, verification and approval.

Cash, calculator and written figures used in a secured-financing review
06 / 06
Available property equity and the collateral profile guide the secured financing path.
Financing program

Real Estate Backed Loans

A real-estate-secured path for purchases, refinances and business expansion where the collateral profile is central to program fit.

Common uses

  • Equity release
  • Acquisition
  • Business expansion

Program profile

Maximum amount
Up to $10M
Minimum amount
$200K minimum
Typical timeline
21–30 days
Property profile
Property value $350K+ or strong equity
Credit profile
Sub-500 FICO programs

Subject to current program guidelines, verification and approval.