Business-purpose financing

Keep the business moving. Cash flow. Capacity. Growth.

Keep the business ready for the work, investment, or growth ahead.

Light-industrial warehouse prepared for business operations

Choose by business outcome

What would move the business forward right now?

Whether the business needs to keep operating, take on more work, make a major purchase, or grow into the next stage, financing should help make that move possible.

Capital should create more room to moveMore inventory. New equipment. A bigger team. A new location. More breathing room in the month. Each goal can call for a different kind of financing.

Room to operate: Keep payroll, inventory, vendor commitments, and day-to-day business needs moving.
Capacity to grow: Purchase equipment, expand operations, bring on talent, or invest in the next opportunity.
Momentum for time-sensitive business needs: Move on the purchase, project, or business opportunity while the timing is right.

Business line of credit

Keep capital available for recurring costs when payroll, inventory, or vendor timing arrives before receipts do.

Payroll and inventory
Seasonal needs
Vendor timing
Operating gaps

Merchant cash advance

An advance against future receivables, with repayment defined by the applicable program.

Short-term need
Revenue-based option
Business use
Cash-flow support

Term financing

Finance a defined expansion, improvement, major purchase, or debt restructure with a clear use of funds and repayment plan.

Expansion
Improvements
Large purchases
Debt restructuring

Revenue-based financing

Put capital behind growth, marketing, hiring, or working-capital needs when the repayment pattern needs to move with the business.

Growth initiatives
Marketing
Hiring
Working capital

Startup capital

Opening a business can drain cash before revenue has time to settle in. Capital can help turn a launch plan into an operating business with momentum.

Launch costs
Initial equipment
Inventory
Early operations

Equipment financing

Buy the vehicle, machinery, technology, fixtures, or operating asset the business needs without tying up every dollar of working cash.

Acquire equipment
Replace aging assets
Expand capacity
Preserve operating cash

Working capital

Payroll, inventory, project mobilization, and vendor payments can create a gap even when the business is healthy. Working capital can help keep the business moving through it.

Payroll
Inventory
Project mobilization
Vendor payments

Debt consolidation

When multiple payments are taking too much out of the month, consolidation can create more room for the business to operate and grow.

Combine obligations
Restructure payments
Clarify cash flow
Prepare for growth

Who may qualify

Is your business ready to prequalify?

If your business is operating and you have an opportunity in front of you, these initial factors can help determine whether business-purpose financing may be worth exploring.

Prequalify

Time in business

At least 6 months

The minimum time a business should be open and operational.

Monthly revenue

$10,000 or more

Revenue and cash flow help show how the business is operating today.

Credit profile

500+ credit score

Credit is one consideration alongside the wider business picture.

Business setup

Active entity and bank account

An active business with a business checking account is required.

Meeting these initial factors does not guarantee approval, a rate, an amount, terms, or funding.

How the application works

Bring the business need into focus.

A clear conversation starts with what the business is trying to accomplish, the capital needed, and the operating picture behind the request.

Prequalify the business

Tell us what the business needs.

Share the purpose of the capital, the amount being considered, and the timing that matters to the business.

We review the operating picture.

Revenue, time in business, credit, existing obligations, and the use of funds help determine whether the financing options may align with the request.

Discuss what may fit.

If an option may be appropriate, we will review the information needed and what the process would involve.

The capital may belong with the property

Protect the property before pressure builds.

Explore CRE financing

Light-industrial warehouse exterior and loading area

A hard deadline is involved?

Protect the opportunity before the date runs out.

Submit an urgent request