Financial Products Offer Sheet
Business Line of Credit
Flexible, revolving capital you can draw from whenever needed. Only pay interest on what you use.
Estimated Funding Amount
$50,000 – $250,000+
Estimated Rates
8%–28% APR
Typical Terms
Revolving, monthly payments
Basic Requirements
650+ credit, $15K+/mo revenue, 6+ months in business
Example Use Cases
  • Cover payroll or operating expenses during slow cycles
  • Purchase inventory when supplier discounts appear
  • Handle emergencies without disrupting cash flow
0% Business Credit Stacking
Multiple 0% APR business credit lines/cards combined to maximize interest-free capital.
Estimated Funding Amount
$50,000 – $150,000+
Estimated Rates
0% APR for 6–18 months (repeatable)
Typical Terms
Revolving credit, flexible payments
Basic Requirements
680+ credit, clean profile, low utilization
Example Use Cases
  • Launch or scale a business interest-free
  • Marketing or product development
  • Consolidate high-interest debt
Asset-Based Lending
Funding secured by assets such as inventory, receivables, equipment, or real estate.
Estimated Funding Amount
$50,000 – $5,000,000+
Estimated Rates
8%–20% depending on collateral
Typical Terms
12–36 months
Basic Requirements
Valuable assets, cashflow, financial documentation
Example Use Cases
  • Unlock capital tied up in receivables or inventory
  • Use equipment/real estate as leverage for expansion
  • Refinance existing debt on better terms
SBA Loans (7a / 504)
Government-backed financing with long terms and competitive rates.
Estimated Funding Amount
$150,000 – $5,000,000+
Estimated Rates
6%–13%
Typical Terms
10–25 years
Basic Requirements
680+ credit, clean financials, 2+ years in business
Example Use Cases
  • Acquire a business or buy out a partner
  • Expand operations or purchase equipment
  • Refinance expensive loans
Commercial Real Estate Loans
Financing for acquiring, refinancing, or developing commercial property.
Estimated Funding Amount
$250,000 – $25,000,000+
Estimated Rates
6%–12%
Typical Terms
5–30 years
Basic Requirements
CRE collateral, lender underwriting
Example Use Cases
  • Purchase commercial property instead of leasing
  • Refinance or pull cash out of existing CRE
  • Fund renovations or development projects
Bridge Loans
Short-term funding to move quickly on time-sensitive opportunities.
Estimated Funding Amount
$5,000 – $50,000
Estimated Rates
10%–20%
Typical Terms
3–24 months
Basic Requirements
Asset or property used as collateral
Example Use Cases
  • Secure real estate before permanent financing closes
  • Fund rehab or construction
  • Cover liquidity gaps during acquisitions
Long-Term Business Loans
Predictable multi-year financing for stable growth and expansion.
Estimated Funding Amount
$25,000 – $2,000,000+
Estimated Rates
6%–20%
Typical Terms
5–25 years
Basic Requirements
650+ credit, solid financials
Example Use Cases
  • Expand locations or add new services
  • Purchase equipment or upgrade infrastructure
  • Hire and train staff for scaling
Short-Term Business Loans
Fast capital with short repayment cycles.
Estimated Funding Amount
$5,000 – $500,000+
Estimated Rates
Factor rate 1.2 – 1.6
Typical Terms
3–18 months
Basic Requirements
$10K+/mo revenue, 6+ months in business
Example Use Cases
  • Inventory purchases
  • Cash flow stabilization
  • Marketing pushes or urgent expenses
Personal Loans (Used for Business or Personal Capital)
Unsecured credit based on personal creditworthiness.
Estimated Funding Amount
$10,000 – $100,000+
Estimated Rates
6%–28% APR
Typical Terms
3–7 years
Basic Requirements
680+ credit, verifiable income
Example Use Cases
  • Personal capital injection into a startup
  • Debt consolidation
  • Funding training, certifications, or personal development