Working Capital Lines
$25K–$500K
Inventory Cycle
30–90 days
SBA Loan Terms
Up to 25 years
What We See Most
Common Financing Needs
Inventory financing to fund purchase orders and stock builds
Working capital lines to manage seasonal revenue swings
Equipment financing for POS systems, fixtures, and fulfillment infrastructure
SBA financing for store acquisition and multi-location expansion
Merchant cash advance for fast capital between inventory cycles
Capital Solutions
Relevant Financing Programs
Business Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Equipment Financing
Finance the tools your business runs on
SBA Financing
Government-backed financing for owner-operated businesses
Merchant Cash Advance
Last-resort short-term advance for businesses that cannot access conventional financing
Accounts Receivable Financing
Turn outstanding invoices into immediate working capital
Why Starting Gate Financial
Built Around How Your Industry Operates
Lenders evaluate risk through the lens of your sector. We know what they look for — and how to position your file to get approved.
Industry-Specific File Prep
We structure your application around the revenue patterns, collateral types, and risk factors lenders in your sector actually evaluate.
Lender Network Alignment
We match your deal to lenders who specialize in your industry — not generalist banks unfamiliar with how your business generates cash.
Cleaner Underwriting
When your file is positioned correctly for your industry from the start, underwriters have fewer open questions — which reduces back-and-forth and friction in the process.
Ready to Move Forward
Let's Structure Your Deal
No cost. No obligation. A direct conversation about whether SGF is the right fit for your deal.