Capital for Every
Stage of Growth

Bridge loans are short-term financing instruments providing immediate capital while a borrower secures permanent financing or prepares an asset for its next phase. Used for value-add acquisitions, renovations, occupancy stabilization, and 1031 exchanges, bridge lenders focus on asset value and exit strategy rather than income history — ideal for properties not yet qualifying for agency or bank financing. Terms range from 6 to 36 months with interest-only structures.

Construction loans fund ground-up commercial development, disbursed in draws tied to verified project milestones. Lenders require detailed plans, a qualified general contractor, and a clear takeout strategy. These loans are essential for developers building office, retail, multifamily, industrial, or mixed-use projects from scratch. Rates are higher than permanent debt, reflecting the development risk and active lender monitoring throughout the build period.

Debt Service Coverage Ratio loans qualify borrowers based on the income generated by the property rather than personal income. If net operating income covers loan payments — typically at a 1.20x ratio or higher — the loan can be approved without W-2s or tax returns. Ideal for investors with complex income structures, multiple properties, or self-employment income that does not reflect their true financial strength.

Hard money loans are asset-based, short-term loans funded by private lenders. Approval is based almost entirely on property value and the borrower's equity position — not credit score or income. Closings can occur in as little as 5–7 business days, invaluable when speed is non-negotiable. Used for distressed acquisitions, quick flips, or situations where conventional financing is not possible within the required timeframe.

Fix and flip loans finance both the purchase price and renovation costs of properties intended for resale. Lenders underwrite based on the After-Repair Value — the projected value after improvements — allowing investors to borrow against potential rather than current condition. Structured for 6–18 month timelines with streamlined underwriting designed to keep acquisition and renovation on schedule.

Owner-occupied commercial real estate loans finance properties where the borrowing business operates on-site, occupying at least 51% of the total square footage. Underwriting focuses on the company's revenue and profitability rather than rental income. SBA 504 programs make them accessible with as little as 10% down for qualifying businesses, with long amortization schedules and lower rates than investment property loans.

Investment property loans finance commercial real estate acquired for rental income and appreciation. Underwriting centers on income-generating capacity — rent rolls, lease terms, occupancy, and market comparables. Products range from conventional bank financing and agency programs for multifamily to private credit solutions for complex or transitional assets across all commercial property classes.

Hotel financing requires lenders who understand hospitality fundamentals — RevPAR, ADR, occupancy, brand affiliation, and capital expenditure cycles. Products cover acquisition, PIPs, refinancing, and new construction across branded and independent properties. The right structure depends on performance history, flag status, and location market dynamics.

Apartment loans cover the most liquid asset class in commercial real estate. From 2–4 unit properties with conventional residential products to large complexes qualifying for Fannie Mae, Freddie Mac, or HUD/FHA programs. Long amortization, competitive rates, and non-recourse options at larger loan sizes. Value-add acquisitions and refinancing are both well-supported across multiple channels.

Office building loans finance single-tenant and multi-tenant office properties. Tenancy quality, lease term, and location are critical in today's underwriting landscape. Properties with long-term credit tenants or medical office components attract favorable terms. Transitional assets may require bridge or private lending solutions suited to the repositioning timeline.

Retail loans cover strip centers, neighborhood shopping centers, pad sites, NNN properties, and anchored retail. Credit quality and lease structure are paramount — long absolute NNN leases with national tenants command the most favorable terms. Financing spans conventional bank, CMBS, SBA for owner-users, and bridge for repositioning plays.

Healthcare real estate financing covers medical office buildings, outpatient surgery centers, dialysis clinics, behavioral health, and specialty care campuses. Underwriting combines real estate metrics with operator performance data. HUD 232 offers long-term non-recourse options for qualifying facilities, while SBA and conventional products serve smaller owner-operated practices.

Specialized financing for assisted living, memory care, and independent living communities. Lenders evaluate both real estate value and operational performance — occupancy rates, revenue per bed, and regulatory compliance. Options include conventional, HUD/FHA-insured, and bridge structures with terms suited to the long investment horizons typical in senior care real estate.

One of the most in-demand commercial sectors — logistics, distribution centers, cold storage, flex industrial, and light manufacturing. Driven by e-commerce growth and supply chain reshoring, industrial attracts strong lender appetite and competitive terms. Loans are structured based on tenancy, clear heights, dock configurations, and location within key logistics corridors.

A business term loan delivers a defined lump sum repaid in structured installments over a set period with fixed or variable interest. Predictable payments make budgeting straightforward. Best suited for planned investments with a clear return timeline — equipment, facility upgrades, hiring, or geographic expansion. Terms span 12 months to 10 years depending on size and use.

A revolving facility giving access to a pre-approved pool of capital you can draw, repay, and draw again. You only pay interest on what you use — ideal for managing seasonal fluctuations, covering payroll gaps, or handling unexpected expenses. Credit limits reset as balances are paid down, providing ongoing flexibility without repeated applications.

Acquire machinery, technology, vehicles, or specialized tools without depleting working capital. The equipment serves as collateral, making approval more accessible for businesses with limited credit history. Terms align with the useful life — 24 to 84 months — and may offer Section 179 tax deductions. Available for new and used equipment across virtually every industry.

The SBA's flagship program with government-backed guarantees enabling more favorable terms than conventional financing. Used for working capital, equipment, real estate, acquisitions, or refinancing. Repayment terms up to 25 years for real estate. The guarantee reduces lender risk, delivering lower rates and longer amortization — worth the more thorough underwriting process for qualifying businesses.

Designed specifically for day-to-day operational needs — payroll, rent, inventory, utilities, and vendor payments. These short-to-medium-term loans bridge cash gaps through growth phases, slow periods, or unexpected disruptions. Typically unsecured, faster to fund than conventional loans, and sized based on monthly revenue and operating costs.

Advances capital in exchange for a fixed percentage of future monthly revenue until the advance and a fee are repaid. No fixed payment — repayment flexes with performance. Ideal for businesses with consistent recurring revenue such as SaaS, subscription businesses, or seasonal retailers. Avoids equity dilution and rigid debt service schedules.

Finance the purchase of an existing company. The target's assets, cash flow, and goodwill all factor into valuation and underwriting. SBA 7(a) is frequently used for acquisitions under $5M. Larger deals involve senior bank debt, seller financing, or a combination. A well-structured acquisition loan covers both the purchase price and post-acquisition working capital needs.

Provides an upfront lump sum in exchange for a portion of future daily card sales. Repayment is automatic — a fixed percentage deducted from each day's sales. Among the fastest forms of business financing, often approved within 24 hours with minimal documentation. Best for short-term capital needs rather than long-term investments.

Capital without pledging specific collateral — approval relies on credit score, business revenue, time in operation, and overall financial health. Rates are typically higher than secured products, but for businesses that lack collateral or prefer not to encumber assets, unsecured financing offers a clean, flexible path without complex security agreements.

Convert outstanding customer invoices into immediate cash by selling them at a slight discount. The factor advances 70–95% of invoice value upfront, collects payment from customers directly, and remits the balance minus a fee. No repayment burden on your business — the customer's payment settles the account. Ideal for B2B businesses on long payment terms needing consistent cash flow.

Renegotiate or consolidate existing debt obligations to reduce monthly payments, lower rates, extend repayment terms, or simplify a complex debt stack. Not just for distressed companies — many healthy businesses restructure proactively to improve cash flow, prepare for an acquisition, or take advantage of better market conditions. Our advisors analyze current obligations and work with lenders to craft a restructured profile.

Specialized financing for businesses engaged in international trade. Export loans support production and fulfillment of confirmed overseas orders, while import financing covers the cost of goods purchased abroad ahead of domestic sale. Ex-Im Bank programs and private trade finance facilities provide coverage against foreign buyer default, currency risk, and political disruption — allowing businesses to trade globally with confidence.

Borrow against the market value of publicly traded equities without selling a share. The portfolio remains invested and continues to appreciate and generate dividends while providing collateral for a revolving facility at rates significantly lower than unsecured alternatives. Advance rates range from 50–90% depending on concentration and volatility. Particularly valuable for executives with concentrated positions who want capital without triggering capital gains.

A Rollover as Business Start-Up structure allows entrepreneurs to use qualified retirement funds to invest in a business without early withdrawal penalties or income tax. The retirement account purchases stock in the new company, which uses those funds for operations. When properly structured, ROBS is 100% IRS-recognized and provides a debt-free source of startup or expansion capital for business owners wanting to invest in themselves.

Use a fixed-income portfolio — government, corporate, or municipal bonds — as collateral. Because bonds have predictable value and lower volatility than equities, lenders offer higher advance rates and more favorable terms. Particularly useful for conservative investors or retirees holding large fixed-income allocations who need liquidity without disrupting their income stream.

Borrow against the net asset value of mutual fund holdings without liquidating and realizing capital gains. The funds remain invested and continue generating returns while serving as collateral. Advance rates depend on the fund's composition — diversified equity funds typically support 50–70%, while bond-heavy funds may support higher ratios.

ETF-backed loans use exchange-traded fund holdings as collateral, providing liquidity without requiring a sale. Broad index ETFs tracking the S&P 500 or total bond market receive the highest advance rates due to liquidity and diversification. Sector or leveraged ETFs are treated more conservatively. These facilities are fast to establish and competitive in pricing.

Borrow against publicly traded REIT shares without selling your real estate exposure. Valuable for investors holding significant REIT positions as part of an income-generating strategy who want to leverage that exposure for additional opportunities. Non-traded REITs require more complex valuation — publicly traded REITs are more straightforward to pledge.

Permanent life insurance policies with accumulated cash value can serve as collateral for a loan. The policy remains in force while the cash value supports a credit facility. Rates are typically very favorable, there is no credit check required, and repayment is flexible — unpaid interest simply accrues against the policy value. An efficient liquidity tool for policyholders who have built significant cash value over time.

Designed for investors holding a large position in a single stock — often company founders, executives with restricted shares, or early investors. These loans provide liquidity against the concentrated position without triggering a sale or violating lockup agreements. Structures include variable prepaid forwards, exchange funds, and collar strategies — each providing capital while managing the risk of a large undiversified exposure.

Convert outstanding customer invoices into immediate working capital. For businesses on net-30 to net-90 terms, that gap creates real cash flow strain. AR financing advances 70–95% of eligible receivable value within 24–48 hours of invoice submission. Collateralized by the receivables themselves, qualification is often more accessible than conventional financing — your own revenue, accessed sooner.

Uses existing or incoming inventory as collateral for a revolving facility or term loan. Retailers, wholesalers, and manufacturers use this for large purchase orders, seasonal inventory buildups, or bridging production and sales. Lenders advance 50–80% of appraised liquidation value, adjusting credit as inventory levels change. Powerful during high-demand seasons without straining cash flow.

A confidential form of receivables financing where the business retains control of its sales ledger — customers never know financing is involved. The lender advances a percentage of outstanding invoice value, and the business collects payment directly. Preserves client relationships while unlocking cash tied up in unpaid invoices. Ideal where confidentiality and direct customer management are priorities.

Provides capital to fulfill large customer orders exceeding a company's production or procurement capacity. The lender pays your supplier directly, enabling delivery on confirmed orders without working capital upfront. Once the customer pays, the facility is repaid. Ideal for product-based businesses — distributors, manufacturers, resellers — turning large growth opportunities into completed transactions.

Asset-based lending against the appraised value of machinery, manufacturing equipment, vehicles, and specialized tools already owned by the business. Unlike standard equipment financing for new purchases, equipment ABL unlocks capital from assets already on the balance sheet. Advance rates depend on equipment age, condition, and marketability — typically 50–80% of forced liquidation value.

Covers acquisition of commercial vessels, fishing fleets, charter boats, and cargo ships. Lenders evaluate vessel age, condition, flag registration, revenue history, and operator experience. Structures range from standard term loans for smaller vessels to secured facilities for larger commercial fleets. Used by businesses in fishing, transport, tourism, or offshore services to preserve working capital.

Uses documented inventory stored in a licensed warehouse as collateral. The warehouse receipt certifies the type, quantity, and quality of stored goods, giving lenders confidence in the collateral's existence and value. Widely used in agriculture, commodities trading, and raw materials supply chains — providing liquidity against physical inventory without requiring premature sale at unfavorable prices.

Sell outstanding invoices to a factoring company at a slight discount. The factor advances 70–95% upfront and collects directly from your customers. Unlike invoice discounting, the factor manages collections — customers know a third party is involved. Best for businesses prioritizing cash flow over client-managed collections, particularly those with high invoice volume or slower-paying customer bases.

Leverage accumulated home equity — a fixed lump sum at a stable rate (home equity loan) or a revolving draw facility (HELOC). Both leverage appraised value minus outstanding mortgage balance, and because secured by real property, rates are far lower than unsecured alternatives. Ideal for renovations, debt payoff, or large one-time expenses. HELOC structure suits ongoing or variable needs during the draw period.

A lump sum without requiring collateral — approved based on credit score, income, and debt-to-income ratio. Versatile and fast to fund, suitable for home improvements, major purchases, life events, or emergencies. Fixed rates and predictable monthly payments make budgeting straightforward. Terms of 1 to 7 years depending on the lender and borrower profile.

Combine multiple high-interest debts — credit cards, medical bills, personal loans — into a single, lower-rate monthly payment. Simplification and significant interest savings over the life of the obligation. By replacing multiple creditors with one structured repayment plan, borrowers improve cash flow and create a clear, defined path to becoming debt-free. Particularly powerful for those carrying revolving balances above 18–24%.

Dedicated funding for healthcare expenses not covered by insurance — elective procedures, dental work, fertility treatments, vision correction, mental health services, or large out-of-pocket costs. Often featuring deferred-interest promotional periods or fixed low rates through healthcare lender networks. Make health decisions based on medical need, not immediate cash availability.

Finance personal or business vehicles — new or used — with the vehicle as collateral. Our lender network covers prime, near-prime, and non-standard borrowers and ranges from standard personal cars to commercial fleet vehicles. Refinancing an existing auto loan to a lower rate is also available for qualified borrowers, often yielding meaningful monthly savings on vehicles carrying significant balances.

A pre-approved revolving facility — like a credit card without the card. Draw as needed, repay, draw again. Interest accrues only on the outstanding balance. Ideal for ongoing home improvement projects, freelancers managing uneven income, or anyone wanting a financial safety net without paying interest unless they need the funds. Generally lower rates than credit cards for qualified borrowers.

Specialized financing for high-value personal assets — yachts, aircraft, RVs, luxury vehicles, and fine art. These loans are structured around the asset's value and the borrower's overall financial profile. Lenders in this space understand the market for specialty assets and structure longer terms and competitive rates for qualified borrowers acquiring significant recreational or lifestyle investments.

Designed specifically to help individuals establish or rebuild their credit profile. The loan amount is held in a secured account while the borrower makes monthly payments — which are reported to all three major credit bureaus. Once the loan is repaid, the funds are released to the borrower. A structured, low-risk path to improving credit scores before applying for larger financing.