The Full Funding Menu

Every major funding category, one menu.

A working menu of the funding programs we structure and place. Use it to orient yourself. We will match you to the right combination during your assessment, no SSN, no credit pull.

Start Your Funding Inquiry 480-630-9460

SBA 7(a) Programs Revenue Advances Business Term Loans Business Lines of Credit Business Credit Cards Asset-Based Lending Invoice / Receivables Factoring

SBA 7(a)

SBA 7(a) Programs

Lower-cost government-backed capital for established businesses willing to trade speed for affordability.

SBA 7(a) Lightning

Working capital up to $150K with a fast lane underwriting process.

Amount: $50,000 – $150,000
Basis: Up to 30% of gross revenue (recent loss OK)
Uses: Working capital only
Rate: Prime + 3.75% (currently ~11.25%)
Term: 120 months, no prepayment penalty
Timeline: Application to closing: 30 days

SBA 7(a) 350K

Mid-size SBA without hard collateral or life-insurance assignment.

Amount: $200,000 – $350,000
Uses: Working capital, debt consolidation, equipment, inventory, growth
Collateral: No hard collateral or life-insurance assignment required
Underwriting: Less stringent than Jumbo 7(a)
Term: 120 months, no prepayment penalty
Timeline: Application to closing: 60 days

SBA 7(a) Jumbo

Full-scale SBA up to $5M, including 100% LTV commercial real estate.

Amount: $350,000 – $5,000,000
Uses: Working capital, debt consolidation, equipment, inventory, acquisitions, CRE (100% LTV)
Collateral: Likely required; life insurance assignment likely
Term: 120 months, no prepayment penalty
Timeline: Application to closing: 60 days

Speed

Revenue Advances

When time matters more than cost: bank-deposit-based capital in two to three business days.

Short-Term Revenue Advances

Fast capital underwritten on deposits, not credit. Cost is fixed at signing.

Amount: $50,000 – $5,000,000
Minimum monthly revenue: $20,000
Minimum time in business: 6 months
Minimum personal credit score: 600
Payback rate: 25% – 40% (under 10% for A+ borrowers)
Payback term: 6 – 24 months
Timeline: Application to funding: 2–3 business days
Docs: Very minimal documentation

Term Debt

Business Term Loans

The sweet spot between long SBA underwriting and high-cost low-doc revenue advances.

Cashflow-Based Term Loans

Unsecured, cashflow-underwritten term debt for healthy mid-market businesses.

Company size: Avg. annual revenue $400K – $2M
Loan size: $30,000 – $300,000
Uses: Working capital, debt consolidation, equipment, inventory
Term: 36 – 60 months
Credit score: >660
Structure: Unsecured, cashflow-based underwriting

Revolving

Business Lines of Credit

Draw what you need, when you need it. Pay only on what you use.

Non-Bank LOC

Higher-limit revolving facility for established operating businesses.

Facility size: $50,000 – $750,000
Minimum monthly revenue: $100,000
Minimum credit score: 650
Minimum time in business: 2 years
Operation: Not virtual/home-based
Payback rate: 19% – 31%
Payback term: 6 – 12 months
Timeline: Funding in 2–3 business days

Bank LOC

Lowest-cost revolving line for prime-credit owners and businesses.

Facility size: $25,000 – $250,000
Rate: Starting at WSJ Prime + 1% annually
Payments: Monthly, minimum is interest-only
Collateral: None required
Draw fees: None
Time in business: 2+ years
FICO: 700+ FICO 2
Timeline: 2–3 weeks to closing

Credit Stack

Business Credit Cards

Stacked unsecured business credit, built and negotiated for you, that only reports to business credit.

Stacked Business Credit Cards

Done-for-you negotiation across 5–10 issuers for one cohesive credit stack.

Total credit limits: $40,000 – $250,000 across 5–10 accounts
Process: Done-for-you application and negotiation
Reporting: Builds (and only reports to) business credit profiles
Use restrictions: Full discretion for use of credit/funds
Entity eligibility: Can be a startup or new corporate entity
Fee structure: Flat-fee (with guarantee) or performance-based
Timeline: Enrollment to first round: 3–4 weeks

Asset-Based

Asset-Based Lending

Large, flexible facilities collateralized by accounts receivable for $1M–$100M B2B operators.

ABL Facilities

The most flexible large-scale facility for fast-growth and restructuring scenarios.

Ideal client: B2B businesses doing $1M – $100M annual revenue
Amount: $500,000 – $50 million
Time in business: Ideally 2+ years (some exceptions)
Geography: Also available to Canadian-based companies
Best for: Fast growth, debt restructuring, inventory growth, new product lines
Primary collateral: Accounts Receivable (A/R)
Timeline: 15–30 days from application to funding

Invoice Financing

Invoice / Receivables Factoring

Turn unpaid invoices into same-week cash. Underwriting is your customer's credit, not yours.

A/R Factoring

Invoice-by-invoice advances with collection handled by the factor.

How it works: Submit unpaid invoices; lender advances a significant percentage within 24 hours
Customer flow: Your customers pay the lending partner directly on agreed terms
Remittance: On collection, remaining balance is remitted minus a small factoring fee
Qualification: Credit rating is based on your customers' credit, not yours

Not sure which programs fit your situation?

Start with a no-obligation Funding Inquiry: no SSN, no credit pull, under 30 minutes. We will review and reach out with the right next step.

Take the Funding Assessment 480-630-9460