Loan Products

The right capital for every deal.

From fast working capital to SBA loans and startup credit lines, we match your business with the right lender — at no cost to you.

Revenue-Based Financing (MCA)

Best for businesses that need money quickly.

Alternative lenders typically lend 50%–150% of a business's average monthly revenue based on the last 4 months of bank deposits. Funding is based on your future receivables — not just your credit score.

Example: A business averaging $100,000/month in revenue could qualify for $50,000–$150,000 depending on cash flow, industry, and lender guidelines.

Great for:

  • Businesses needing fast working capital
  • Businesses turned down by banks
  • Owners with lower credit
Apply for Revenue-Based Financing

Who qualifies

Min. Credit Score
As low as 400
Time in Business
6+ months
Monthly Deposits
$10,000+
Funding Amount
50%–150% of monthly revenue

SBA Loans / Term Loans

Best for established businesses seeking lower rates and longer terms.

Traditional business loans and SBA-backed financing offer the most competitive rates and longest repayment terms available. Ideal for businesses with strong financials looking to grow, hire, or consolidate.

Great for:

  • Expansion and growth
  • Hiring employees
  • Buying equipment
  • Consolidating debt
  • General working capital
Apply for an SBA / Term Loan

Who qualifies

Min. Credit Score
650+
Time in Business
2+ years
Monthly Deposits
$20,000+
Documentation
2 years business tax returns

Startup Line of Credit

Perfect for newer businesses that don't have revenue yet.

You don't need years of history or revenue to access capital. Our startup line of credit is designed for new businesses and entrepreneurs who want funding in place before they need it.

Great for:

  • New businesses and startups
  • Business owners wanting capital before they need it
  • Entrepreneurs just getting started
Apply for a Startup Line of Credit

Who qualifies

Min. Credit Score
650+
Time in Business
As little as 1 day
Revenue Required
None
Requirements
EIN only

Traditional Revolving Line of Credit

A business credit line that stays open indefinitely.

Draw what you need, repay it, and access it again — indefinitely. You only pay interest on the amount you actually use. Co-signers are welcome to help leverage approval.

Example: $75,000 line → ~$750/month interest-only · $100,000 line → ~$1,000/month interest-only

Great for:

  • Ongoing working capital needs
  • Businesses with fluctuating cash flow
  • Owners who want flexible, reusable credit
Apply for a Revolving Line of Credit

Who qualifies

Min. Credit Score
680+
Time in Business
2+ years
Co-signers
Welcome
Repayment
Interest-only on amount used

Business Credit Cards (0% Intro APR)

Flexible financing that doesn't touch your personal credit.

Business activity does not report to the owner's personal credit. Enjoy 0% interest for 12–18 months, same-day pre-approvals, and credit limits up to $150,000. Co-signers welcome. Can often qualify even with existing loans or cash advances.

Great for:

  • Startups and new businesses
  • Owners who want to protect personal credit
  • Businesses needing flexible, low-cost capital
Apply for Business Credit Cards

Who qualifies

Min. Credit Score
680+
Time in Business
None required
Credit Limits
$25,000–$150,000
Intro APR
0% for 12–18 months

Personal Term Loans

Personal financing for debt consolidation, home improvements, and more.

Competitive rates comparable to traditional banks, fixed monthly payments, and fast funding — typically 24–72 hours after approval. Terms from 3–7 years. To get started, we just need a recent 3-bureau credit report and last 6 months of personal bank statements.

Great for:

  • Debt consolidation
  • Home improvements
  • Major purchases or emergencies
  • Individuals needing personal financing
Apply for a Personal Term Loan

Who qualifies

Min. Credit Score
620+
Min. Monthly Income
$5,000 (W-2 or 1099)
Terms
3–7 years
Funding Speed
24–72 hours after approval

Not sure which product is right for you?

Tell us about your situation and we'll match you with the best product and lender — at no cost. Same-day pre-approvals available.

Talk to a Loan Advisor