Small Business Loan
Strategic Capital Solutions
Strategic capital solutions provide liquidity and leverage for small businesses through a range of financing options designed for growth and stability. Whether you need capital deployment for equipment, working capital, or expansion, the right financing structure can help you maintain control of your business while avoiding the risks of personal guarantees or informal lending. Understanding your options—from term loans to lines of credit—helps you choose the fit that aligns with your goals and cash flow.
Loan Types
Various loan types exist to support different capital needs. The structure of each option depends on use case, collateral, and repayment terms.
Term Loan
A standard bank-style loan. You receive the funding upfront and repay principal plus interest over a set term. Suited for larger capital deployment with predictable repayment.
Equipment Financing
Finance equipment with the asset as collateral. You get the equipment upfront and pay it off over the life of the equipment. Ideal for leveraging assets without depleting liquidity.
Accounts Receivable Financing
Borrow against outstanding invoices. Invoices act as collateral, often with lower rates. Helps convert receivables into immediate liquidity for operations or growth.
Merchant Cash Advance
Funding against future credit card sales. Repayment is a percentage of daily card sales, so payments align with revenue. Useful when traditional term loans are not a fit.
Business Line of Credit
A revolving credit line: draw as needed and pay interest only on what you use. Provides flexible liquidity for inventory, payroll, or short-term gaps without a fixed term.
29% of businesses fail because they run out of cash.
CB Insights
Benefits of Small Business Funding
Capital needs vary—from short-term liquidity for equipment, inventory, or leasehold improvements to longer-term financing for expansion and growth. The right funding can help you retain ownership, avoid informal lending pitfalls, and limit exposure of personal assets. A business line of credit can support day-to-day liquidity for payroll, receivables, or seasonal gaps. Despite more options today, access to timely capital remains critical: CB Insights reported that 29% of business failures were due to running out of cash.
What do you need to qualify?
3+ Months in Business
Qualify for our top financing options with as little as 3+ months in business.
$5,000+ Monthly Gross Sales
Minimum revenue to qualify is $5,000 per month, or $60,000 in annual gross sales.
No Minimum FICO
We have financing options for all credit profiles. No minimum FICO score required to apply.
Not sure which loan fits? Get started with our 2-minute assessment.
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