Great Product Features, No Hidden Fees, Award Winning Customer Service, and a Committed Long-term Lending Partner


Products with customer-friendly features
like no prepayment penalties, low
upfront fees, and competitive pricing.



Award-winning* customer service featuring a revolutionary online application and dedicated customer relationship management.



Because we use our own capital, our interests are aligned with those of our borrowers.



* Business News Daily, January 2017, May 2016, October 2015, Best Alternative Lender for Working Capital Loans

We Provide a Revolutionary Borrowing Experience

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An Entirely Different Application Experience

For customers who apply online, they experience real-time, interactive feedback during their loan application process, so customers have visibility into some of the characteristics we evaluate in their application.
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Simple, simple, simple ... did we say simple ?

Minimal documentation required, electronic closing, and funding available as soon as 1 business day after completing our online application.
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Access your account anywhere, anytime

Easy and convenient online account access to perform a variety of account management activities.

Customer-Friendly Product Features, Simple Terms, No Hidden Fees

 TERM LOANLINE OF CREDIT
Use of Proceeds
Expansion, equipment and capital improve-
ments
Working capital and short-term cash flow
management
Amount$20,000 to $500,000$20,000 to $100,000
Repayment Term1 to 4 yearsNew balance after each draw is amortized
in equal installments over 18 months
Payment FrequencyTwice per monthOnce per month
FeesUp to 5.00% origination fee deducted from
your net proceeds
• $500 Closing Fee
• 2.00% Draw Fee deducted from each draw
Cost• Our rates are risk-based, meaning that we determine an interest rate according to our estimated likelihood of repayment
• Inclusive of origination and draw fees, Annual Percentage Rates (APR) range from 7.99% to 29.99%
Prepayment FeesNo prepayment penalties — simply pay the outstanding balance plus accrued interest if you prepay
your loan or line of credit
Collateral• No specific collateral required
• Personal guarantee
• UCC-1 on business assets (a “blanket lien”) for most borrowers
Minimum Eligibility• At least 1 year in business and at least 3 employees
• At least $100,000 of annual revenue
• Good personal credit

Understanding How We Determine the Cost of a Loan

We take many factors into account when pricing a business loan or line of credit. There is no simple formula to explain how an interest rate is determined, but you can think of it in the following 4 categories.

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    BUSINESS STABILITY

    Years in Business

    Cyclicality

    Seasonality

    Customer Concentration

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    CREDIT HISTORY

    Personal & Business Obligations

    Positive Public Records

    Negative Public Records

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    FINANCIAL METRICS

    Revenue

    Profitability

    Growth

    Profit Margins

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    CASH FLOW & DEBT

    Debt to Income

    Income to Debt Payments

    Amount of Debt

    Type of Debt

BORROWER SUCCESS STORIES



MORE SUCCESS STORIES