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.
01 / 06Short-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.
02 / 06Revolving 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.
03 / 06Property 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.
04 / 06Longer-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.
05 / 06A 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.
06 / 06Available 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.
What HB Capital does
We help make the transaction financeable.
01
Review the financing objective and transaction profile
02
Help organize financial and project documentation
03
Match the request to the program that actually fits it
04
Move the file through underwriting and handle the questions
05
Track conditions and drive the transaction to closing
Have a transaction in mind?Have a financing need in mind?
Let’s find the structure behind the opportunity.Let’s clarify what comes next for your business.