Six distinct financing programs — each designed to match a specific business need. No one-size-fits-all. No unnecessary complexity.
As a direct lender, we offer each of these programs with in-house underwriting, transparent terms, and fast decisions.
A structured lump-sum advance repaid over a defined term with fixed or variable payment schedules. Business term loans are ideal for planned capital expenditures — expansion, renovation, acquisition, or any initiative requiring a defined funding amount and predictable repayment. We underwrite based on business performance, not just credit scores, allowing us to serve businesses at different stages of growth.
Revolving credit access designed for businesses with ongoing, variable capital needs. Draw funds as needed, repay, and access again — without reapplying. Lines of credit are the operational backbone for businesses managing fluctuating expenses, seasonal cycles, or unpredictable growth opportunities. We establish the line; you determine how and when you use it.
Convert outstanding accounts receivable into immediate working capital. If your business regularly issues invoices with net-30 to net-90 terms, invoice factoring eliminates the cash flow gap between service delivery and payment receipt. We advance a percentage of your invoice value immediately, with the balance (less fees) paid when your customer settles. No waiting. No working capital shortage while clients take their time.
Acquisition, bridge, and renovation financing for commercial properties. Whether you're purchasing a commercial space, refinancing an existing property, or funding a development project, we structure real estate financing around your property's potential and your operational plan. We know New York commercial real estate and operate with the speed this market demands. We also serve properties nationally for the right opportunities.
Finance the machinery, technology, vehicles, or specialized equipment your business depends on — without depleting working capital. Equipment financing structures your acquisition as installment payments over time, with the equipment typically serving as collateral. This preserves your cash reserves for operations while enabling you to acquire what you need to compete. Covers new, used, and specialized industrial equipment across all industries.
Capital with repayment structured as a percentage of your daily or weekly revenue. When business is strong, you pay more; when it slows, payments adjust accordingly. Revenue-based financing is ideal for businesses with variable income — seasonal operations, hospitality, retail, and businesses in growth phases where cash flow predictability is limited. There are no fixed monthly payments to stress over during slower periods.
We look at the full picture of your business — not just a credit score. Here's what our underwriting typically considers:
Typically 6+ months in operation, though specific programs vary. Newer businesses may qualify for certain revenue-based programs.
We work with businesses generating consistent monthly revenue. Minimum thresholds vary by program — your advisor will guide you to the right fit.
An active business checking account is required for funding disbursement and repayment processing.
We work across most industries. A small number of prohibited categories apply — contact us to confirm your industry qualifies.
Your business must be legally registered and operating in the United States.
Bank statements (typically 3–6 months), basic business documents, and a completed application. We keep the paperwork minimal.