Funding Solutions
Every funding solution we offer is structured around the realities of running a business — not around what's easiest for us to underwrite.
Business term loans provide a lump sum of capital repaid over a fixed schedule — giving your business the clarity to plan, project, and execute without uncertainty. Whether you're expanding a location, investing in infrastructure, or covering a major operational need, a term loan provides the bedrock financing your plans require.
As a direct lender, we structure each loan around your specific revenue profile and growth trajectory — not a standardized matrix designed for the average borrower.
Revenue-based financing provides working capital in exchange for a percentage of future business revenue — structured so that repayments adjust with your actual income cycle. When business is strong, repayment accelerates. When it softens, so does the payment burden.
This structure is designed for businesses with strong, consistent sales that may carry variable month-to-month income patterns — retailers, service providers, seasonal operators, and e-commerce businesses.
Equipment financing allows businesses to acquire machinery, vehicles, technology, and production assets without tying up working capital. The equipment itself typically serves as collateral — allowing for flexible structuring even when traditional credit metrics are challenging.
We finance new and used equipment across manufacturing, construction, food service, transportation, healthcare, and virtually any asset-intensive industry.
Working capital loans are designed to bridge operational gaps — covering payroll, rent, supplier payments, or any short-term cash flow need that arises from the natural timing mismatch between receivables and obligations.
Fast approval and direct funding mean you're not scrambling when timing gets tight. We understand that a delay in capital can cost more than the financing itself.
Invoice financing converts outstanding invoices into immediate working capital — allowing you to operate without waiting 30, 60, or 90 days for clients to pay. Rather than carrying the cost of extended payment terms, you put your receivables to work the moment the invoice is issued.
This solution requires no traditional collateral — the invoices themselves serve as the underlying asset. Particularly effective for B2B businesses with strong customers and lengthy payment cycles.
A business line of credit provides a revolving credit facility — draw what you need, repay on your schedule, and draw again. Unlike a term loan, you only pay for what you use, making it the most flexible capital structure for businesses that face variable or unpredictable capital needs.
Lines of credit are particularly effective for businesses managing rapid growth, handling multiple simultaneous projects, or navigating markets where timing creates competitive advantage.
Eligibility
We evaluate the full picture of your business — not just a credit score. Here are the general benchmarks we consider:
Minimum 6 months in operation. Businesses with longer track records receive more favorable structuring.
Minimum $10,000 in average monthly revenue. We analyze your revenue patterns, not just peak months.
Recent bank statements (typically 3–6 months). We look at cash flow consistency, not just peak months.
Personal credit considered but not determinative. We evaluate the owner's commitment to their business as a primary factor.
We lend across virtually all industries. A few restricted categories apply — contact us if you're unsure about your sector.
US-based business with a valid EIN. We serve businesses nationwide with a particular focus on the greater New York metro area.
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Reach out and describe your situation. We'll tell you straight which structure makes the most sense — and why.
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