A short guide
Which loan, when?
Most owners come to us with one of five situations. Here is the loan we usually reach for in each.
A revolving line of credit is the simplest answer when you need access to working capital that flexes with your business. Draw when you need it, pay it back, draw again. You pay interest only on what you've used.
Invoice factoring converts your accounts receivable into cash today, not 30, 60, or 90 days from now. You sell us your B2B invoices at a small discount; we advance most of the value up front and collect from the customer.
Equipment financing is purpose-built for tangible asset purchases. The equipment itself secures the loan, which means underwriting is often more flexible and terms can stretch to match the asset's useful life.
An SBA 7(a) loan offers the longest terms and the lowest payments available to a small business — at the cost of a longer, more documented underwriting process. Worth it if the math works.
A traditional term loan gives you a lump sum up front, a fixed term, a fixed payment, and a clear maturity date. It is the right tool for a one-time investment with a knowable payback period.
| Product | Amount | Term | Best for |
|---|---|---|---|
| Term loan | $25,000 to $500,000 | 12 to 60 months | Specific projects with a clear payback, expansion, equipment, working capital |
| Line of credit | $10,000 to $250,000 | Revolving, with draws repaid over 6 to 18 months | Smoothing cash flow, seasonal working capital, just-in-case access |
| Equipment | $10,000 to $1,000,000+ | 24 to 84 months | Buying or replacing tangible equipment with a clear vendor invoice |
| SBA | $50,000 to $5,000,000+ | Up to 10 years for working capital, up to 25 years for real estate | Established businesses with strong credit and a clear long-term need |
| Factoring | Tied to receivables, $10,000 to $5,000,000+ per month | Ongoing facility, invoice by invoice | B2B businesses with creditworthy customers and long payment cycles |
Not sure? Talk it through with us.