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 customers.



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

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

 TERM LOANSLINES OF CREDIT
Use of Proceeds
Expansion, equipment and capital improve-
ments
Working capital and short-term cash flow
management
AmountUp to $500,000Up to $150,000
Repayment TermUp to 4 yearsNew balance after each draw is amortized
in equal installments over 18 months
Payment FrequencyTwice per monthOnce per month
Cost• Our rates are risk-based, meaning that we determine an interest rate according to our estimated likelihood of repayment
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 customers

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

CUSTOMER SUCCESS STORIES



MORE SUCCESS STORIES