Loan program

Commercial Lending Programs

Structured financing solutions for established businesses with complex capital needs. From accounts receivable financing to M&A transactions, we design custom solutions with bank and non-bank partners.

  • A/R financing: advance rates up to 85% on accounts receivable, 50–60% on inventory
  • M&A financing: up to 80% LTV on acquisition value
  • Asset-backed lending (ABL): loan amounts based on asset valuations
  • Syndicated & large ticket: $5M to $50M+ financing
  • Franchise financing: SBA and conventional franchise loans available
  • Recapitalization & refinancing: consolidate debt, lower rates, extend terms
  • Minimum $2M+ in annual revenue typically required
  • 2+ years operating history
  • No upfront fees — compensation on successful closing only

Accounts Receivable & Inventory Financing

Leverage your outstanding invoices and inventory to access working capital. Advance rates up to 85% on A/R and 50–60% on inventory. Revolving credit lines based on eligible collateral with fast funding as invoices are generated. Ideal for distributors, manufacturers, and wholesalers.

Mergers & Acquisitions (M&A)

Up to 80% LTV on acquisition value with flexible structures including SBA, conventional, and mezzanine financing. Due diligence and valuation support provided. Suitable for platform and add-on acquisitions.

Asset-Backed Lending (ABL)

Loan amounts based on asset valuations including accounts receivable, inventory, equipment, real estate, and intellectual property. Lower rates than unsecured alternatives with credit flexibility for strong collateral. Suitable for turnaround or growth scenarios.

Syndicated & Large Ticket Solutions

$5M to $50M+ financing with senior, subordinated, and mezzanine tranches. Relationship banking for portfolio growth with access to private equity and institutional capital.

Franchise Financing

SBA and conventional franchise loans with streamlined approval for pre-approved brands. Multi-unit expansion financing available along with equipment and build-out capital.

Recapitalization & Refinancing

Consolidate multiple debts into a single facility. Lower rates, extended terms, and cash-out available for working capital or distributions. Improve financial covenants and flexibility.

Who Benefits Most

Business Profiles:

  • Manufacturers & distributors
  • Government contractors
  • Private equity portfolio companies
  • Mid-market enterprises
  • Roll-up strategies and consolidators

Common Scenarios:

  • Rapid growth exceeding internal cash flow
  • Large customer orders requiring upfront capital
  • Strategic acquisitions to gain market share
  • Complex balance sheet restructuring
  • International expansion or trade finance needs

Our Process

  1. Discovery & Strategy Session — We review your business model, capital needs, and objectives to determine optimal structure.
  2. Lender Matching — We present your opportunity to our network of banks, credit funds, and institutional lenders.
  3. Term Sheet Negotiation — We help you evaluate offers and negotiate the most favorable terms.
  4. Due Diligence & Closing — We coordinate with your team, advisors, and lender to close efficiently.

Frequently asked questions

What is accounts receivable financing?
Accounts receivable financing (also called factoring or invoice financing) allows you to borrow against outstanding invoices. Lenders advance 70–85% of invoice value immediately, then collect payment from your customers.
What is the difference between invoice factoring and invoice financing?
Invoice factoring involves selling invoices to a factor who collects payment directly from customers. Invoice financing uses invoices as collateral for a loan, and you collect payment from customers.
How much of an acquisition can be financed?
Lenders typically finance 70–80% of acquisition value, requiring 20–30% equity from the buyer.
What is asset-based lending?
Asset-based lending (ABL) uses business assets as collateral including accounts receivable, inventory, equipment, real estate, and intellectual property.
How much can I borrow under commercial lending programs?
Ranges from $500K to $50M+ depending on the program and deal structure.

Ready to get funded?

Apply once and get a clear funding offer in 24–72 hours — no hard credit pull to pre-qualify.

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