Financial Products Offer Sheet

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