A line of credit (LOC) is a flexible, revolving loan that allows you to borrow funds up to a set limit, repay them, and borrow again as needed. Unlike a traditional loan that gives you a lump sum, you only pay interest on the amount you actually use, making it ideal for ongoing expenses or emergencies.

Cash for payroll, inventory, and day-to-day operations when revenue and expenses don’t line up on the same calendar. A large order, a seasonal build, or a client who pays in 60 days shouldn’t put pressure on Friday’s payroll. We look at how your money actually moves, then match you to the right structure.

Government-backed financing built for businesses planning to be here in ten years. SBA programs generally offer longer terms and more favorable structures than conventional commercial lending which is why they’re worth the additional documentation.

Invoice factoring is a financial transaction where a business sells its outstanding, unpaid customer invoices to a third-party, known as a factor, to gain immediate working capital. Instead of waiting 30–90 days for customers to pay, the business receives an immediate advance (typically 70%–90%) of the invoice value, with the remainder (minus fees) paid upon final collection.

A term loan is a lump-sum, fixed-rate or variable-rate loan that a business or individual borrows from a financial institution and repays with interest in scheduled installments over a set period, typically 1 to 10 years. It provides upfront capital for major investments like equipment, real estate, or expansion, and is usually repaid through predictable monthly or quarterly payments.

Equipment financing is a type of secured loan or lease used by businesses to acquire machinery, vehicles, or technology, where the equipment itself serves as collateral. It enables companies to obtain essential assets without high upfront cash outlays, offering manageable, often fixed-rate, monthly payments.