Your cart is currently empty!
Working Capital & Growth Financing
We evaluate multiple capital options and guide you toward the structure that best aligns with your revenue, cash flow, and long-term objectives.
Whether you need predictable monthly payments, longer term growth capital or flexible revolving access, our role is to help you choose the right tool – not just the fastest approval.
Business Term Loans
Common Uses
- Working capital
- Debt refinance
- Inventory and operating expense
- Equipment and expansion costs
Lines of Credit
Common Uses
- Seasonal gaps
- Short-term operating needs
- Ongoing working capital access
Business Term Loans (Non-SBA)
- Loan amount: $25,000 – $300,000+
- Terms: 36-60 months
- Fixed interest rates (risk-based)
- Monthly payments
- No daily or weekly withdrawals
- 1.00 global DSCR
- No prepayment penalty
Underwriting Requirements
- 3 years in business
- No bankruptcy or foreclosures in last 3 years
- No federal tax liens
- 680 FICO
- 1.15 DSCR
- Loan amount no greater than 25% of prior year revenue
Documentation Requirements
- Tax returns
- Interim Profit/Loss and Balance Sheet
- Debt Schedule
- Bank Statements (business) – 6 months
- Proof of insurance (GL and WC)
- Personal Financial Statement
Growth Term Loans (Non-SBA)
- Loan amount: $50,000 – $200,000
- Terms: up to 10 years
- Monthly payments
- Fixed interest rates (risk-based)
- No daily or weekly draws
- Prepayment penalty period – 24 months
Underwriting Requirements
- 1+ year in business (certain industries require more)
- Revenue: $125,000 annual
- Positive EBITDA for most recent tax return
- No open federal or state tax liens
- No open litigations
- No more than 2 MCAs
- No more than 3 UCC-1s
- 640+ FICO for all owners with 20%+ ownership
- Must not have a history of heavy MCAs
Documentation Requirements
- Most recent personal tax return
- Most recent business tax return
- 12 months business bank statements
- Debt Schedule
- Assumed Name or Fictious Name Cert (if applicable)
- UCC-3 termination letters (if applicable)