Products

Here's What We Do

Funding Made Simple.

Capital When It Counts.

Your business is unique—your financing should be too. We’ll help you choose the solution that works best.

TERM LOANS

A term loan is a traditional lump-sum loan that your business repays over a fixed period, usually with monthly payments of principal and interest. This type of financing is ideal for larger investments like expanding your business, purchasing equipment, or covering long-term working capital needs.

Loan Amounts: Typically range from $25,000 to $2,000,000+, depending on qualifications.

Repayment Terms: 1 to 5 years (some lenders go up to 10 years for well-qualified businesses).

Interest Rates: In today’s market, term loans generally range from 7% to 25% APR depending on credit score, time in business, and financial health.

Strong borrowers (700+ FICO, 2+ years in business): often qualify for 7–12% APR.

Mid-tier borrowers (650–699 FICO, 1–2 years in business): typically see 12–18% APR.

Lower-tier borrowers (600–649 FICO, 1 year in business): may face 18–25% APR.

LINE OF CREDIT

A business line of credit gives you flexible access to working capital when you need it. Instead of receiving one lump sum, you’re approved for a credit limit and can draw funds as needed—only paying interest on the amount you actually use. It’s ideal for managing cash flow, covering payroll, purchasing inventory, or handling unexpected expenses.

Credit Limits: Typically range from $10,000 to $250,000+, depending on your business profile.

Repayment Terms: Revolving, with either weekly or monthly repayment schedules. As you repay, your available credit replenishes.

Interest Rates: In today’s market, lines of credit generally fall between 8% and 25% APR, depending on credit score, time in business, and revenue.

Strong borrowers (700+ FICO, 2+ years in business): often qualify for 8–12% APR.

Mid-tier borrowers (650–699 FICO, 1–2 years in business): typically see 12–18% APR.

Lower-tier borrowers (600–649 FICO, 1 year in business): may face 18–25% APR.

SBA LOANS

Backed by the U.S. Small Business Administration, SBA loans offer some of the most affordable financing options available to small business owners. These loans are partially guaranteed by the government, which allows lenders to extend longer terms and lower interest rates than most traditional business loans. They’re ideal for expansion, equipment, real estate, or refinancing high-cost debt.

Loan Amounts: Typically range from $50,000 up to $5 million, depending on the program.

Repayment Terms: 5 to 25 years, based on how the funds are used (shorter for working capital, longer for real estate).

Interest Rates: Generally between Prime + 2.75% to Prime + 6%, which today translates to about 10%–14% APR.

Well-qualified borrowers (680+ FICO, 2+ years in business): often see rates closer to 10%–11% APR.

Mid-tier borrowers (650–679 FICO): usually qualify for 12%–14% APR with stricter conditions.

MERCHANT CASH ADVANCES

A Merchant Cash Advance provides fast access to working capital in exchange for a percentage of your future sales. Instead of fixed monthly payments, repayment is tied directly to your daily or weekly credit card and debit sales—so you pay more when business is strong and less when it slows down. This makes MCAs a flexible option for businesses with fluctuating revenue or urgent funding needs.

Advance Amounts: Typically range from $5,000 to $2,000,000+ depending on revenue volume.

Repayment Terms: Usually 3 to 18 months, with payments automatically deducted from daily or weekly sales.

Costs: Instead of traditional interest rates, MCAs use a factor rate (commonly 1.2 to 1.5).

Example: An advance of $100,000 with a 1.3 factor rate means repayment of $130,000 total.

Effective APRs often range from 25% to 50%+, making them more expensive than loans or credit lines but much faster to secure.

EQUIPMENT FINANCING

Equipment financing helps businesses purchase or lease the tools they need to operate and grow—whether that’s heavy machinery, company vehicles, medical devices, or office technology. The equipment itself serves as collateral, which makes this type of financing easier to qualify for than many traditional loans.

Loan Amounts: Typically cover 80%–100% of the equipment’s value, ranging from $10,000 to $5 million+ depending on the purchase.

Repayment Terms: Usually 2 to 7 years, aligned with the expected useful life of the equipment.

Interest Rates: Commonly between 6% and 20% APR, depending on credit score, business history, and equipment type.

Well-qualified borrowers (680+ FICO, 2+ years in business): often qualify for 6%–10% APR.

Mid-tier borrowers (620–679 FICO): typically see 10%–15% APR.

Lower-tier borrowers (600–619 FICO): may pay 15%–20% APR.

CREDIT CARD PROCESSING

Accepting credit and debit card payments is essential for today’s businesses. Credit card processing services allow you to securely handle transactions in-store, online, or on the go while ensuring fast deposits to your business bank account. Modern processing solutions also include fraud protection, detailed reporting, and integrations with your POS or e-commerce system.

Setup: Quick and easy, often within a few business days.

Transaction Fees: Typically range from 0% to 1.5% per transaction, depending on card type, industry, and sales volume.

Payout Speed: Funds are usually deposited in 24–48 hours, with some providers offering same-day funding.

Additional Benefits: Chargeback protection, mobile payment options, and the ability to accept contactless payments like Apple Pay and Google Pay.

BOOKKEEPING SERVICES

Accurate bookkeeping is the backbone of a healthy business. Our services help you stay organized, compliant, and in control of your finances by tracking income, expenses, payroll, and taxes in real time. With clear financial reporting, you’ll always know where your business stands—allowing you to make smarter decisions and focus on growth instead of paperwork.

Services Include: Recording transactions, reconciling bank accounts, managing payroll, preparing financial statements, and ensuring tax-ready records.

Pricing: Our packages range from $209–$599 per month, depending on transaction volume - giving small businesses flexible options that scale with their needs.

Benefits: Avoid costly mistakes, save time, and gain financial clarity with professional oversight.

Technology: Integration with platforms like QuickBooks, Xero, or custom reporting tools for seamless financial management.