Capital that flexes with your business.
Whether you need a lump sum for a one-time move or a revolving line to draw against as things come up, I match business owners with one vetted lender for term loans and business lines of credit — sized to what the business can actually carry.
Term loan vs. line of credit
A term loan delivers a lump sum, repaid on a fixed schedule — the fit for a one-time investment like equipment, a buildout, or an acquisition. A line of credit gives you a revolving limit you can draw from repeatedly, paying interest only on what you use — the fit for ongoing or unpredictable needs like payroll gaps or seasonal swings. I'll help you weigh which structure fits, then match you to the lender that prices it well.
What owners use each for
- Term loan: a defined, one-time capital need with a clear payback timeline
- Line of credit: bridging 30–90 day receivable gaps, smoothing seasonal revenue, or keeping payroll and suppliers paid during a ramp
How the match works
You tell me your revenue, time in business, and what the capital is for. I identify the one vetted lender best suited to you, confirm their terms are transparent, and make a single direct introduction. You stay in control of the conversation from there.
Common questions
Do I need collateral for a business line of credit?
Not always. Some lines are unsecured and some are secured; it depends on your revenue, credit profile, and the lender. I'll match you to options that fit your situation, including no-personal-guarantee structures where you qualify.
How much working capital can I get?
It's typically tied to your revenue and cash flow rather than a flat cap. Share your numbers and I'll give you a realistic range before any introduction.
Will applying hurt my credit?
An initial conversation and soft review generally won't. Any hard inquiry happens later, with your knowledge, once you choose to move forward with a specific lender.
Can I get working capital with past credit issues?
Often yes — revenue and recent performance matter more than a perfect score for many working-capital products. I'll be honest about what's realistic.
Let's get you to the right lender
Tell me a little about your business. If I have a vetted lender that fits, I'll make a single, direct introduction — usually within one business day. No broker pools, no resale of your information.