Working capital that flexes to your business.
Term loans and merchant cash advance for U.S. businesses. Whatever the amount, whatever the term — if the deal makes sense, we'll structure it.
Predictable payments. Real flexibility.
A classic term loan, modernized. Fixed schedule, no compounding interest, no penalty for paying it off early. Pick the amount, pick the term, pick the payment frequency.
- Any amount that underwrites — no fixed cap
- Any term that fits your cash flow
- Monthly, weekly, or daily payment options
- Prepay any time, save on interest
- Funds typically in your account next business day
Get paid for tomorrow's revenue, today.
An advance against future card and bank deposits. Remit a small piece of daily or weekly revenue. When sales are slow, your payment scales with you.
- Approval based on revenue, not just credit
- Daily or weekly remittance
- One simple factor rate — no compounding
- Renew when you're 50%+ paid down
- Funded same day in most cases
Estimate your payment
No caps. Any amount, any term, any payment cadence.
What a Merchant Cash Advance looks like
Plug in your advance amount and a factor rate to see the payback.
What businesses actually use this for
Inventory
Stock up before busy season or grab bulk discounts you can't ignore.
Cash flow
Smooth out the gap between paying suppliers and getting paid by customers.
Equipment
Repair, replace, or upgrade the gear that runs your operation.
Hiring & payroll
Bring on staff when business picks up, without sweating Friday's payroll.
Marketing
Fund the campaign that's working. Scale customer acquisition with confidence.
Expansion
New location, new line of business, new market — back the move that grows the business.
What we need to put a deal together
Time in business
At least 4 months operating under your current business.
Revenue
A steady book of business. We look at the whole picture — not a hard floor.
Location
U.S.-based business with a U.S. operating bank account.