Smart Capital, Built for Your Business
Explore flexible programs for payroll, inventory, equipment, and growth—and apply in minutes.
SBA Loans (7(a), 504, Microloan)
SBA programs offer longer terms and competitive, market-linked rates with partial federal guarantees—ideal for acquisitions, working capital, equipment, and owner-occupied real estate.
- 7(a): General-purpose working capital, refinance, acquisitions.
- 504: Fixed-asset financing (real estate/equipment) with long amortizations.
- Microloan: Smaller loans for startups and early-stage needs.
Term Loans (3–5 Years)
Fixed-term loans with monthly payments and competitive rates for established businesses. Typical terms 36–60 months; collateral and a personal guarantee may be required.
- Stable, amortizing payments
- Lump-sum funding up front
- Potential early-payoff benefits
Business Lines of Credit
Draw funds as needed and pay interest only on what you use—ideal for seasonal swings, inventory purchases, and short-term cash-flow gaps. Limits replenish as you repay.
- On-demand draws via online portal
- Interest on utilized balance only
- Flexible renewals and limits
Merchant Cash Advance (MCA)
A purchase of future receivables with revenue-linked remittances (daily/weekly). Helpful when speed matters or traditional credit doesn’t fit. Pricing uses a factor rate; total payback and holdback are disclosed up front.
- Fast approvals & funding
- Remittances flex with sales
- Often compatible with other financing
Disclaimer: Information is for marketing purposes and not a commitment to lend. Programs, eligibility, and pricing are subject to change after underwriting. Submitting an application will not trigger a hard credit inquiry.