Why We Are Different
1) Lending with integrity
You’ll always get transparent communication—what you qualify for, what it costs, and why. If a deal doesn’t make sense, we’ll tell you.
2) Lowest rates possible for your business
We focus on building the most cost-effective structure available for your profile—so you’re not overpaying for capital.
3) A long-term relationship, not a one-time transaction
Our best clients come back as their business grows, an average of 3 times. We want to be the finance partner you rely on for today and the future:
- Better terms over time
- Higher limits as revenue increases
- Faster approvals because we already know your story
We review your account automatically every six months to see if you qualify for lower rates and additional funding.
Example 1: Restaurant started initally with $250k at 8.99%, within 12 months, we had increased that to $1 million and a lowered the rate. After 21 months, we raised it to $2 million at 3.99%.
Example 2: Medical Clinic started with $198,000 and within 12 months it was up to $1,298,000 at a 3.99% rate.
Bank Rates & Terms - No MCA's Here
Need business capital without getting trapped in MCA payments?
We offer several financing products ALL with rates typically far lower than most MCA options or carrying high-interest credit card balances.
We Offer:
- Lines of Credit
- Term Loan
- SBA 7a Loan
- Business Aquisition Funding
- Commercial Realestate
Unlike banks, we are built for business owners who need a practical solution now:
- Minimum Loan Amount: 150%–300% of monthly gross revenue
- Terms 1 to 20 years
- No prepayment penalties
- Interest-only options
- No personal guarantees
- No collateral on many programs
- FICO scores as low as 550
If you want real financing without the outrageous cost of an MCA — OR your bank is too slow, too restrictive, or will not give you enough — we may be the right fit.
How Much Do You Qualify For?
Most business owners underestimate what they’ll qualify for:
For a typical Line of Credit or Term Loan, you can qualify for a minimum of 1.5× to 3× your average monthly revenue (subject to underwriting). For business aquisition, commercial realestate or SBA, it will depend upon multiple factors and can be much more.
Example Line of Credit:
Average Monthly Revenue: $75,000
Estimated Funding Range: $115,000 – $225,000
If you know your monthly revenue, you can usually get a realistic range in minutes—without guessing.
