Our ProductsWe offer a range of commercial financing structures. Your funding director helps you understand each option and recommends the one that genuinely fits your business.
Looking for real estate or mortgage financing?When days matter, these tend to fund first — usually at a higher cost per dollar.
An upfront sum of capital provided in exchange for a percentage of your future receipts. Because repayment is tied to your sales, payments rise when business is strong and ease when it slows.
Seasonal businesses and those with uneven month-to-month revenue.
Typically the highest cost per dollar — you are paying for speed and flexible qualification.
Term-based financing with a fixed, scheduled payment. You receive an upfront amount and repay it over a set term, so you know the payment and the payoff horizon before you sign.
Businesses that want a fixed schedule and a clear payoff date.
Less flexible than a line of credit — you take the full amount up front and repay on a set schedule.
Turn outstanding invoices into cash now. An advance is made against your receivables so you do not have to wait on customer payment cycles to cover payroll, materials, or the next job.
B2B businesses carrying real receivables from slow-paying customers.
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Revolving credit you draw from as needed and repay on your own schedule. You only pay for the portion you actually use, and the available line replenishes as you repay it.
Businesses that want capital on standby for recurring or unexpected needs.
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Longer-term capital for assets and projects, structured around the return profile of the investment. Used to purchase equipment, open a location, or fund a larger initiative without draining cash reserves.
Businesses making a larger, longer-horizon investment.
The capital is purpose-bound to the asset or project, not general-use cash.
Government-backed financing with longer terms and lower cost for qualified businesses. SBA programs can offer the most favorable structures available, but involve a more detailed qualification and documentation process.
Established businesses that can qualify and can wait for a longer process.
The most paperwork and the longest timeline, with the strictest qualification bar.
Order reflects general, relative characteristics of each structure — not a quote or a prediction for your business. Amount ranges and timelines are typical, not guaranteed, and all financing is subject to underwriting review.
Separate from our business structures above, these programs cover residential, investor, and commercial property. Each is its own path — they are not ranked against each other or against business products.
Primary residences, second homes, and investment homes
Inquire about Residential MortgageConventional-style home financing for 1–4 unit properties, qualified on your personal income and credit.
Residential availability is subject to applicable licensing and lender requirements.
Investors financing rental property
Inquire about DSCR Rental InvestmentQualification is driven by the property's rental income rather than your personal income. Usually no personal income documentation is required — property, credit, and other documentation still apply.
Income-producing commercial property
Inquire about Commercial Real EstateFinancing for 5+ unit multifamily, retail, office, industrial, and mixed-use property, underwritten on the property's net operating income and the sponsor's strength.
Investors buying, renovating, and reselling
Inquire about Fix & Flip / Hard MoneyShort-term asset-based financing for purchase and rehab, sized on the property and its after-repair value along with your project experience. Leverage is lender-dependent.
Businesses buying the property they operate from
Inquire about SBA Owner-Occupied Real EstateLong-term SBA financing for owner-occupied commercial property, qualified on business cash flow and the borrower profile, often with a comparatively modest equity contribution.
Personal guarantees are generally required from owners of 20% or more.
Terms, leverage, coverage, and timelines shown are illustrative guideline ranges only and vary by lender, borrower, property, and program. Nothing here is a rate quote, commitment to lend, or guarantee of approval. Residential mortgage availability is subject to applicable licensing and lender requirements. An inquiry is not a mortgage application.
We believe in clear, balanced information. Here is how our business financing structures work in plain terms.
You receive capital upfront and repay it under terms agreed before funding. Depending on the product, repayment may be a fixed scheduled payment, a percentage of receipts, or a draw-and-repay line. Your funding director explains the exact structure for your offer so there are no surprises.
The cost of financing depends on the product, amount, term, and your business qualifications. Some commercial products — such as revenue-based financing and merchant cash advances — are not loans and may express cost differently than a traditional APR. You always receive the specific costs and amounts for your transaction before you sign.
Payments may be scheduled daily, weekly, or monthly depending on the product and structure. More frequent, smaller payments can make repayment easier to manage alongside cash flow, while fixed monthly schedules offer maximum predictability.
Business financing is subject to underwriting review. Product availability, funding amounts, rates, fees, and terms vary based on applicant qualifications. Submitting an inquiry or application does not guarantee approval or funding and is not an offer of financing. For full details, see our Commercial Financing Disclosure.
Start with a no-obligation inquiry and a funding director will help you find the right structure.
Start Your Application