Starting Gate Financial
Financing ProgramsBusiness Lines of Credit & Term Loans

Financing Program

Business 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.

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

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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.