Financing Program
Lines of Credit & Term Loans
Access revolving credit lines and fixed-term loans structured around your business cash flow. Whether you need ongoing liquidity or a one-time capital infusion, we match you with lenders whose underwriting fits your profile.
Loan Range
$25,000 – $1,000,000
Term Range
6 months – 10 years
Structure
Flexible working capital structured around your cash flow
What It's Used For
Common Use Cases
Bridge seasonal cash flow gaps
Fund inventory purchases ahead of peak season
Cover payroll during slow revenue months
Finance small equipment or software purchases
Manage accounts payable more strategically
Program Details
Key Features
Revolving credit lines from $25K to $500K
Fixed-rate term loans with predictable monthly payments
Draw-as-needed flexibility on lines of credit
Funding timelines vary by lender and documentation readiness
Collateral requirements vary by program and lender
Transparent fee structures with no hidden costs
How It Works
How This Financing Is Structured
Revolving credit lines draw and repay like a credit card — you borrow what you need, repay it, and access it again. Term loans provide a lump sum repaid over a fixed schedule with predictable monthly payments. Both are structured around your business cash flow and creditworthiness, not hard assets. If ongoing access to capital fits your business, start a working capital application today.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Businesses with seasonal or cyclical revenue
- →Companies needing ongoing access to working capital
- →Operators managing 30–90 day invoice cycles
- →Businesses with 2+ years operating history
✗ This program is NOT the right fit when:
- ✗Startups under 1 year with no revenue history
- ✗Businesses with recent bankruptcies or tax liens
- ✗Companies seeking capital for real estate purchases
- ✗Borrowers needing a one-time lump sum only
Common Questions
Frequently Asked Questions
What's the difference between a line of credit and a term loan?
A line of credit is revolving — you draw, repay, and reuse it. A term loan is a one-time lump sum with a fixed repayment schedule. Lines of credit work best for ongoing working capital needs; term loans suit one-time investments.
How is the credit limit determined?
Lenders evaluate your annual revenue, cash flow, time in business, and creditworthiness. Limits typically range from 10–20% of annual revenue for well-qualified borrowers.
Do I need collateral for a business line of credit?
Not always. Unsecured lines are available for strong-credit borrowers, but higher limits often require a blanket lien on business assets or real estate collateral.
Keep Exploring
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Ready to Move Forward
Start Pre-Qualification
No cost. No obligation. A direct conversation about whether this program fits your deal.