Business Capital
Business Capital Solutions — Compare Every Funding Option
Compare working capital, lines of credit, term loans, and factoring in one place — and get matched to the right funding to grow, manage cash flow, and seize opportunities.
What Is Business Capital?
Business capital refers to the funding a company uses to cover operations, manage cash flow, and invest in growth. Rather than a single product, it spans several solutions designed for different needs, from bridging short-term gaps to financing major long-term projects. Revenue-focused options weigh your monthly deposits and cash flow heavily, so newer businesses and owners with limited credit can often still qualify.
The right fit depends on your goal and timeline, and rates are competitive and vary by lender and risk profile. Choose working capital for a fast lump sum to fund day-to-day operations, a fixed-rate business term loan for major investments repaid over time, or factoring-based financing to turn revenue into cash without fixed monthly payments.
Capital Solutions
Flexible Capital Solutions
From working capital to lines of credit, we offer the right financing solution to support your business operations and growth.
Fast Funding
Working Capital Loans
Prime + 1%
Rate/Factor
Up to $50 Million
Amount
3-24 Months
Terms
Short-term financing to bridge cash flow gaps and fund day-to-day operations.
Quick approval
Flexible repayment
No collateral required
Use for any business purpose
Flexible Access
Business Line of Credit
Prime + 2%
Rate/Factor
Up to $500,000
Amount
Revolving
Terms
Revolving credit facility that provides flexible access to capital when you need it.
Draw as needed
Pay interest only on used funds
Revolving credit
Build business credit
Popular
Term Loans
5.75%
Rate/Factor
Up to $10 Million
Amount
1-10 Years
Terms
Fixed-rate business loans for major investments and long-term growth initiatives.
Fixed monthly payments
Competitive rates
Quick approval
Multiple use cases
Alternative
Factoring-Based Financing
Factor Rate 1.2-1.5
Rate/Factor
Up to $500,000
Amount
3-18 Months
Terms
Alternative financing based on your business revenue with flexible repayment.
No fixed payments
Based on revenue
Quick funding
No personal guarantees
What Can You Use Business Capital For?
Our business capital solutions can be used for a wide variety of business needs.
Inventory Purchase
Payroll & Benefits
Marketing Campaigns
Equipment Repairs
Seasonal Cash Flow
Business Expansion
Technology Upgrades
Emergency Expenses
Why Choose Our Business Capital Solutions?
Fast Access
Quick approval and funding to meet urgent business capital needs and opportunities.
Flexible Repayment
Repayment options that work with your business cash flow and seasonal variations.
Build Credit
Establish and improve your business credit profile with responsible capital management.
Smart Capital Management
See how businesses successfully utilize our capital solutions and streamlined processes.
Lending Operations Dashboard
Enterprise-grade capital deployment process overview
+18% YoY
$1.5B+
Capital Deployed
+25% YoY
1,500+
Businesses Served
+0.2 pts
4.9/5
Client Satisfaction
-1.8 days
5.2 days
Avg. Processing
Capital Deployment Process
End-to-end workflow from application to funding
Step 1
< 5 min
Application Submission
Streamlined digital application process with intelligent pre-screening and automated validation.
98%
Success Rate
Step 2
24-48 hrs
Risk Assessment
Advanced AI-powered credit analysis with real-time verification and comprehensive due diligence.
15min
Avg Review
Step 3
1-3 days
Decision & Approval
Executive committee review with instant decision notification and detailed terms presentation.
92%
Approval Rate
Step 4
24-72 hrs
Capital Deployment
Secure fund transfer with comprehensive documentation and ongoing relationship management.
$1.5B+
Deployed YTD
1
Application Submission
< 5 min
2
Risk Assessment
24-48 hrs
3
Decision & Approval
1-3 days
4
Capital Deployment
24-72 hrs
5.2 days
Average Time to Fund
25% faster than industry
92%
First-Time Approval Rate
Industry leading
24/7
Digital Access
Real-time updates
Flexible Capital Access
Multiple funding options including revolving credit lines, term loans, and revenue-based financing to match your cash flow needs.
Fast Decision Making
Quick approvals and funding to help you seize time-sensitive opportunities and manage unexpected expenses.
86%
Working Capital Approval
24hrs
Average Response
Strategic Capital Solutions
Rapid Funding
Quick approval and funding for urgent business needs
Flexible Terms
Repayment options that work with your cash flow
Credit Profile Building
Establish and improve business credit profile
Growth Support
Capital to scale operations and seize opportunities
Which Business Capital Solution Is Right for You?
Business capital is an umbrella over several products, not a single loan. The right one depends on your goal, your timeline, and how you prefer to repay. Here is how the main options compare so you can narrow the field quickly.
For short-term, day-to-day needs, choose working capital. It is built to cover payroll, inventory, rent, and seasonal cash-flow gaps, leans on your monthly revenue more than collateral, and funds quickly, making it a good fit when the need is operational and temporary rather than a long-term commitment.
For a major, one-time investment, a fixed-rate business term loan usually fits best. You receive a lump sum repaid over a set term with predictable monthly payments, which suits expansion, real estate, or large equipment where you want to spread the cost over the life of the investment.
If you need ongoing, flexible access rather than a single lump sum, a revolving line of credit lets you draw and repay as needed while paying interest only on what you use, and factoring-based financing converts revenue into cash without fixed monthly payments. When you are ready, our specialists can match the right structure to your cash flow and timeline.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$5K–$5M
Working Capital Loans
Short-term funding for day-to-day operations, payroll, inventory, and cash flow gaps.
Learn more$10K–$5M
Business Lines of Credit
Revolving credit lines for flexible, on-demand access to business funding.
Learn more$25K–$5M
Term Loans
Fixed-amount business loans with predictable monthly payments over set terms.
Learn moreUp to $5M
SBA 7(a) Loans
The most flexible SBA program with up to $5M for working capital, equipment, and real estate.
Learn more
Need Capital for Your Business?
Our business capital specialists are ready to help you find the right financing solution for your needs.
FAQ
Frequently Asked Questions
We offer working capital loans up to $50M+, revolving business lines of credit up to $500K, fixed-rate term loans up to $10M, and factoring-based financing up to $500K. Each solution serves different business needs from short-term cash flow to long-term growth investments.
Working capital loans can be approved same-day with funding in 1-3 business days. Lines of credit typically take 3-5 days. Term loans take 5-14 days depending on the amount and complexity. Factoring-based financing can fund within 24-48 hours.
Requirements vary by product but generally include 6+ months in business, $10K+ monthly revenue, and a credit score of 550+. Working capital and factoring products have more flexible requirements, while term loans and lines of credit require stronger financials.
Working capital loans provide a lump sum with fixed repayment terms (3-24 months). Lines of credit give you revolving access to funds you can draw and repay repeatedly, only paying interest on what you use. Lines of credit are better for ongoing variable needs.
Qualification depends on the product you choose. Across our solutions, lenders generally look for at least 6 months in business, monthly revenue of $10K or more, and a credit score around 550 or higher. Working capital and factoring options have the most flexible criteria, while term loans and lines of credit favor stronger financials and longer operating history.
Amounts range widely by product. Working capital loans go up to $50M+, business lines of credit up to $500K, factoring-based financing up to $500K, and fixed-rate term loans up to $10M. The amount you qualify for depends on your revenue, time in business, creditworthiness, and the specific solution that fits your needs.
Often yes. Revenue-focused options like working capital and factoring-based financing weigh your monthly deposits and cash flow more than your credit score, so newer businesses and owners with weaker credit can still qualify. Rates and terms are competitive and vary by lender and risk profile, so steady revenue and organized financials strengthen your application.
It depends on your goal. Choose a working capital loan for a one-time lump sum, a line of credit for ongoing flexible access, a term loan for major long-term investments, and factoring-based financing to convert revenue into cash without fixed payments. Our specialists can help match the right option to your cash flow and timeline.
Still have questions? Our loan experts are here to help.