Business Funding

 Equipment financing is a loan or lease that allows businesses to acquire essential equipment—such as machinery, technology, or vehicles—without paying the full cost upfront. It provides flexible funding options to help companies upgrade or expand their operations while preserving cash flow. Repayments are typically structured over a set period, making it easier to manage budget and cash management while gaining access to necessary tools and equipment. 

 Revenue-based financing is a funding option where a business receives capital in exchange for a percentage of its future revenue. Instead of fixed monthly payments, repayments fluctuate based on the company's income, making it a flexible financing solution. This approach aligns repayment with your business’s cash flow, allowing for easier management during revenue fluctuations or growth periods. It is often used by growing companies seeking quick access to capital without giving up equity. 

 Commercial real estate financing involves securing funding to purchase, develop, or refinance commercial properties such as office buildings, retail centers, warehouses, or industrial spaces. These loans are typically structured with specific terms, interest rates, and repayment schedules, and may require collateral in the form of the property itself. This type of financing helps businesses and investors expand their portfolios, acquire new locations, or improve existing facilities, facilitating growth and operational efficiency. 

Term loans are a type of financing where a business receives a lump sum of capital upfront and agrees to repay it over a fixed period with scheduled payments, including interest. They are used for various purposes such as equipment purchases, expansion, or working capital. Term loans typically have fixed or variable interest rates and predetermined repayment terms, providing predictable payments and helping businesses plan their finances effectively. 

 SBA loans are government-backed loans provided through the Small Business Administration to help small businesses secure affordable financing. These loans often feature competitive interest rates, longer repayment terms, and lower down payments compared to conventional loans. They can be used for various purposes such as working capital, equipment purchase, real estate, or expansion. SBA loans are designed to support small businesses in growth and stability by reducing borrowing barriers. 

 A merchant cash advance is a financing option where a business receives a lump sum of capital upfront in exchange for a percentage of its future credit card sales or daily revenue. Repayments are typically made through automatic daily or weekly deductions directly from sales, making payments flexible and aligned with cash flow. This option is often used by businesses needing quick access to funds without lengthy approval processes, especially those with strong credit card or sales volume.