Business Line Of Credit

A line of credit is a flexible short-term financial tool that you can use for a variety of business needs, from working capital to purchasing inventory and more. You draw it down as needed and repay weekly. Learn More

Benefits

  • Only pay interest on funds drawn
  • Credit is available when needed
  • Nearly every industry accepted
  • May require collateral

Medium-Term Loan

A medium-term loan is a simple interest business loan with a low rate and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required for a medium-term loan, but a personal guarantee is needed. Learn More

Benefits

  • Low rates and flexible terms
  • No prepayment penalties
  • No collateral required
  • Personal guarantee required

Short Term Loan

Surprises happen – and that’s why the short term loan exists. It can help you stay afloat during a temporary cash shortage or manage the overhead that comes with taking on an unusually large project. You may need collateral and you’ll definitely need experience in your business’s field. Learn More

Benefits

  • Great for cash flow and working capital
  • Flexible payment frequency
  • Term 1-3 years
  • May require collateral

SBA Loan

An SBA loan is a low-interest, government-backed loan, with the longest terms and lowest rates available. Repaid monthly, it is available to businesses that have been in business for at least two years. Collateral is required for loans of more than $25,000. Learn More

Benefits

  • Longest terms and lowest rates available
  • Monthly repayment structure
  • Minimum 2 years in business
  • Collateral required above $25,000

Short-Term Financing

Short-term financing, also known as Merchant Cash Advance, can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for short-term financing, the required documentation is limited and perfect credit not needed. Nearly every industry can get short-term financing. Learn More

Benefits

  • No collateral required
  • Limited documentation needed
  • Perfect credit not required
  • Nearly every industry accepted

Invoice Financing

Invoice financing is based on your outstanding invoices or receivables, and the underwriting process is based on your customer, not your business. Minimal documentation is required and there are no pre-payment penalties. Learn More

Benefits

  • Quick access to future receivables
  • Customer based underwriting process
  • Minimal documentation required
  • No pre-payment penalties

Equipment Financing

You need to add equipment to your business but you don’t want to tie up your capital. Equipment finance is available with little or no down payment, in both lease and loan options. The approval process is fast approval, the payment schedule is affordable and there are potential tax advantages. Learn More

Benefits

  • Fast approval process
  • Potential tax advantages
  • Lease and loan options available
  • Affordable payment schedule

Franchise Financing

Franchise financing is a short-term funding choice that can help you meet even the most substantial expenses of running a franchise business. The underwriting process is based largely on the strength of the franchisor. Learn More

Benefits

  • No collateral required
  • Minimal documentation required
  • Most industries accepted
  • Up to $500,000 per location

Medical Financing

With terms of up to 10 years, medical financing can help your practice acquire new equipment, improve your facilities and take advantage of new business opportunities. Learn More

Benefits

  • No hard collateral required
  • Terms up to 10 years
  • Perfect credit not required
  • Flexible use of funds

Startup Loan

Use a startup loan to launch your new business without giving up any equity or borrowing a chunk of cash from Uncle Lester. It’s also an excellent way to establish business credit. If your credit score is 680 or above, you’re a prime candidate for a startup loan. Learn More

Benefits

  • Helps establish business credit
  • Revolving credit line
  • Equity is not given up
  • Loan of up to $750,000

Fast business loans

Whether you’re just starting out or a well-established business, a business credit card is the easiest way to cover unexpected costs, small or large. And you can choose one with a rewards program to bolster your cash Learn More

Benefits

  • Quick way to get funding – get money in as little as 1 business day
  • Some quick approval loans are open to startups and borrowers with low credit scores
  • Fulfills short term working capital needs
  • Up to $500,000

Personal Loan for Business

A lot of people don’t know that you can actually use a personal loan for business purposes. Personal loans are especially helpful for new businesses that don’t have a long financial history to show lenders. Personal loans can often have lower interest rates than some business loans, making it a great option for young companies looking for financing to grow sp3 their business. Learn More

Benefits

  • Fast funding
  • Less expensive than business loan
  • Monthly repayment
  • Up to $35,000 loan amount

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