A Guide to Our Core Financing Programs: What Each One Is and Who It's For
An overview of the financing programs we work with every day — what they are, how they function, and the types of businesses that tend to benefit most from each option.
Every business has a slightly different financing need. Some need capital tomorrow, some can wait a few weeks, and others need a revolving source of funds that flexes with their operations. That's why we don't take a one-size-fits-all approach and work across a full range of programs so each owner can be matched to the option that best fits their needs.
1. Merchant Cash Advance (MCA)
A merchant cash advance is built for businesses that need fast, reliable access to capital and don't have the time to wait weeks for a traditional approval. The process usually starts with a quick online application or a short call with one of our funding specialists.
Once the business submits recent bank statements, our team reviews the full picture — not just credit score, but monthly revenue, overall cash flow, and any existing advances. In most cases, eligible funding amounts line up with the business's average monthly revenue, adjusted for any outstanding balances. Monthly MCA programs are also available where they fit the business model better.
After the review, the opportunity is presented across our network of lenders and funding partners to secure the most competitive offer available.
Minimum Qualifications:
- 3–4 months of business bank statements
- Month-to-date statement (often required for mid-month fundings)
- FICO score of 600+ (less critical if sales are consistent)
- Monthly gross sales of $20K+ preferred
2. Term Program Facilitation
Term loans are designed for businesses looking for longer-horizon capital. Repayment terms typically run from 3 to 10 years, with rates based on the borrower's qualifications. The application process takes a little longer than an MCA — usually 2 to 3 weeks — because these programs involve more documentation and a deeper financial review.
The tradeoff is larger funding amounts, predictable repayment, a lower cost of capital compared to MCAs, and the chance to strengthen business credit over time. In industry terms, these are often called "A-paper" programs, and rates generally fall within the 13–15% range depending on the borrower profile. Term loans tend to be a natural fit for established businesses seeking long-term growth capital.
Minimum Qualifications:
- At least $100K per month in sales
- FICO score of 650+
- 2 years of business tax returns (potentially personal returns)
- 6–12 months of bank statements
- One year of profit and loss statements
- Optional: balance sheet, cash flow statement, aging receivables report
3. SBA Program Facilitation
SBA programs are backed by the federal government and designed for long-term business stability. They cover a range of needs — operational expenses, equipment purchases, expansion — and include specialized options like the SBA Microloan Program and the Disaster Relief Program.
Because they're government-backed, SBA loans typically offer lower costs of capital (often around 12%), longer repayment terms, and access to larger funding amounts than many alternatives. The application process is more involved and requires more documentation, but the terms are among the most favorable available to small businesses.
Minimum Qualifications:
- Annual revenue greater than $150K
- Minimum of 2 years in business
- FICO score of 550+
- Personal and business tax returns (1–2 years)
- Income statements and balance sheets
- Additional documents may be required depending on business type
4. Ready-to-Pull Lines of Capital
A line of capital is a flexible funding structure that businesses can draw from as needed. Rather than receiving a lump sum, the business is approved up to a set limit and can tap into the funds when they're actually required — paying only for the capital they use.
These programs are especially useful for managing unexpected expenses, handling seasonal gaps, or moving quickly on short-notice opportunities. They operate similarly to a business credit card but typically offer larger limits and a comparable or lower cost of capital. The application process is streamlined, and funds are usually accessible soon after approval.
Minimum Qualifications:
- 6 months of bank statements
- Monthly gross sales of $20K+
- One year in business
- FICO score of 650+
5. Equipment Financing Programs
Equipment financing is designed for businesses acquiring essential equipment — machinery, vehicles, technology, or tools — without tying up operating capital. The application-to-approval process is straightforward, with competitive pricing and matching to financing options that fit the type of equipment being purchased.
These programs are a practical option for funding equipment purchases or, in some cases, invoice-related purchases, while allowing the business to preserve working capital for day-to-day operations. Businesses can often leverage their revenue or invoices to secure the equipment they need to keep projects moving forward.
Minimum Qualifications:
- 6 months of bank statements
- Equipment invoice(s)
- At least 2 years in business
- FICO score of 600+
- Accounts receivable report may be required
Choosing the Right Program
There's no universal "best" financing option and the right one depends on timing, purpose, business profile, and how predictable the need is. An MCA fits urgent, short-term needs. A term loan fits larger, planned investments. An SBA program suits long-term stability. A line of credit is built for ongoing flexibility. Equipment financing focuses on acquiring specific assets without draining reserves.
Our team's job is to sort through the options with you and match the program to what actually fits the business — rather than the other way around. If you're not sure which direction is right for your situation, a short conversation with a funding specialist is usually the fastest way to figure it out.
This content is for educational and informational purposes only and is not intended as financial, investment, or legal advice.
Apply Now