Programs
Three programs, one front door.
Each solves a different problem. You don't have to pick — apply once and we'll recommend the right one (or the right combination).
SBA 7(a) & 504
SBA loans
The lowest-cost capital most small businesses can qualify for.
An SBA loan is a bank loan with a government guarantee behind part of it — which is why lenders offer longer terms, smaller down payments, and rates a conventional loan can't match. The catch is a detailed, specific application; a thin or mis-packaged file is the number-one reason good deals get declined. That packaging is the part we own for you.
- Buy owner-occupied real estate or major equipment (504)
- Acquire a business, buy out a partner, or expand (7(a))
- Refinance higher-cost debt into a lower payment
Revolving
Business line of credit
Approved once, drawn whenever you need it.
A line sits ready in the background. Draw against it for a shortfall or an opportunity, pay interest only on what you've drawn, and watch your available credit refill as you repay. It's the right tool for the recurring, unpredictable gaps that a one-time loan can't cover gracefully.
- Bridge payroll before a big invoice clears
- Stock up ahead of a busy season
- Keep flexible capital on standby — at no cost when unused
Fast
Working capital
Cash for a specific need, fast — repaid as revenue comes in.
When timing matters more than the lowest possible rate, working capital moves quickly: approval leans on your business's cash flow rather than credit alone, and funds can land in as little as a day or two. Short, flexible terms match your revenue cycle.
- Cover a short-term gap or emergency
- Fund a one-time purchase or project
- Move on an opportunity while it's live
Side by side
Compare at a glance.
| SBA loan | Line of credit | Working capital | |
|---|---|---|---|
| Amount | Up to $5M | $25K–$750K | $10K–$500K |
| Speed to fund | Weeks | Days | 24–48 hours |
| Cost | Lowest | Pay for what you draw | Higher, for speed |
| Repayment | Long, fixed-style | Revolving | Short term |
| Best for | Big, one-time investment | Ongoing flexibility | Fast, short-term need |
Still deciding? Let us compare them for you.
One application puts all three on the table. We'll recommend the fit and package it to close — no credit pull, no obligation.