BUSINESS LOANS

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Choosing the right financing is about matching the loan to your specific goal. Whether you need a quick cash injection or long-term capital, we have a solution.

• Best for: Large, one-time investments like equipment, office expansion, or hiring.
  
• How it works: You receive a lump sum upfront and pay it back over a fixed period (usually 1–5 years) with a set interest rate.
  
• Key Benefit: Predictable monthly payments make budgeting simple.
  

• Best for: Managing day-to-day cash flow, seasonal dips, or unexpected emergencies.
  
• How it works: Similar to a credit card, you are approved for a maximum amount. You only draw what you need and only pay interest on the amount you use.
  
• Key Benefit: Flexibility. Once you pay it back, the funds become available to use again.
  

• Best for: Small businesses looking for the lowest possible rates and longest repayment terms.
  
• How it works: These loans are partially guaranteed by the U.S. Small Business Administration, which reduces the risk for lenders.
  
• Key Benefit: Lower down payments and more accessible terms for businesses that might not qualify for traditional bank loans.
  

• Best for: Purchasing machinery, vehicles, or technology without depleting your cash reserves.
• How it works: The loan is specifically for a piece of equipment, and the equipment itself serves as collateral.
  
• Key Benefit: Often requires little to no down payment, and the "tax-buy-back" options can be very efficient.

• Best for: Businesses with high credit card sales volume that need cash immediately.
• How it works: You receive an advance against your future sales. Repayments are automatically deducted as a percentage of your daily credit card receipts.
  
• Key Benefit: Extremely fast funding (often within 24 hours) and no fixed monthly payment—if sales are slow, your payment is smaller.

If you need...Consider...New Machinery, Equipment Financing, To cover payroll during a slow month, Business Line of Credit, A major office renovation, Business Term Loan, Long-term growth with low rates, SBA Loan .

Loan Type      Best For...                                  Amount Range   Funding  Speed    Credit Need

Term loan       Expansion & Hiring            $25k-$500k+       2-7 Days                   Good (650+)

Line of Credit Cash Flow & Safety net$10k-$250k            1-3 days                     Fair/Good (620+)

SBA Loan        Long term growth                  $50k-$5M            30-90 days            Strong (680+)

Equipment     Buying Machinery Tech     Up to 100%           2-5 days                   Flexible

Cash Advance  Urgent needs                        $10k-$500k         24-48 Hours          Low (500+)