Working Capital
Cash for day-to-day business needs
Think of working capital as a cash injection for your business. It's not tied to any specific purchase — you get a lump sum deposited into your account and use it however your business needs it most. Payroll, inventory, a slow month, a big opportunity. No restrictions.
GOOD IF YOU'RE DEALING WITH
- A gap between what money's coming in and what's going out
- A seasonal slowdown and need to bridge to your busy season
- An unexpected expense that can't wait
Amount
$5K – $1M
Decision
As fast as 4 hrs
Min. revenue
$10K/mo
Line of Credit
Flexible funds you draw on when needed
Think of a line of credit like a financial safety net that's always on standby. You get approved for a limit, borrow only what you need when you need it, and only pay interest on what you actually use. Pay it back and those funds are available again — no reapplying.
GOOD IF YOU'RE DEALING WITH
- Cash flow that's unpredictable from one month to the next
- Recurring expenses that vary in size or timing
- A need for a buffer without committing to a fixed loan
Amount
$5K – $250K
Decision
As fast as 4 hrs
Min. revenue
$10K/mo
Equipment Financing
Buy the tools your business runs on
Equipment financing lets you get the machinery, vehicles, or technology you need without draining your cash reserves. The equipment itself serves as collateral, which usually means easier approval and better rates than a general business loan. You own it outright once it's paid off.
GOOD IF YOU'RE DEALING WITH
- Equipment you need to operate or grow but can't buy outright
- Aging machinery that's slowing you down or costing you in repairs
- A desire to preserve working capital for day-to-day expenses
Amount
$5K – $5M
Decision
1–3 business days
Min. revenue
$10K/mo
Invoice Financing
Get paid now, not in 60 days
If your business sends invoices and waits 30, 60, or 90 days to collect, invoice financing closes that gap. You get an advance on money your customers already owe you — so you can keep operating, paying staff, and taking on new work without sitting on unpaid invoices.
GOOD IF YOU'RE DEALING WITH
- Outstanding invoices but an immediate need for cash
- Customers who pay on long net terms
- Slow-paying clients affecting your ability to take on new business
Amount
Up to 90% of invoice value
Decision
As fast as 24 hrs
Min. revenue
$15K/mo
Business Real Estate
Expanded
Buy, renovate, or expand your space
Whether you're buying your first commercial property, refinancing an existing one, or expanding to a new location, business real estate loans are built for the long game. Longer terms and lower rates than most business financing — because the property backs the loan.
GOOD IF YOU'RE DEALING WITH
- A lease you're ready to trade in for ownership
- A commercial property you want to refinance at better terms
- An expansion that requires a second location or larger space
Amount
$150K – $5M+
Decision
2–4 weeks
Min. revenue
$20K/mo
Business Checking
New
The account your business actually needs
A dedicated business checking account keeps your finances clean, your bookkeeping simple, and your credibility intact with lenders and partners. It separates your business from your personal finances — and it's often the first thing a lender looks at when you apply for funding.
GOOD IF YOU'RE DEALING WITH
- Mixing personal and business funds in the same account
- Preparing to apply for financing and needing an established account
- A growing operation that needs a banking foundation to match
Amount
$0 – $35
Decision
As fast as same day
Min. revenue
$0 – $100
Debt Consolidation
Roll multiple debts into one simpler payment
If you're juggling multiple loans, credit cards, or balances with different rates and due dates, consolidation lets you combine them into a single fixed payment — usually at a lower rate than what you're carrying. Less mental overhead, less interest, one clear payoff date.
GOOD IF YOU'RE DEALING WITH
- Multiple monthly payments you're struggling to keep track of
- High interest rates across several accounts eating into your budget
- A desire to simplify your finances and see a clear finish line
Amount
$1K – $100K
Decision
As fast as 24 hrs
Min. credit score
Credit Score: 580
Credit Card Refinance
Trade high-rate card debt for a fixed personal loan
Credit cards are convenient until the interest compounds. Refinancing your balance into a personal loan locks in a fixed rate and a fixed payoff date — so you're actually making progress instead of treading water on minimum payments.
GOOD IF YOU'RE DEALING WITH
- Credit card balances you haven't been able to pay down
- Interest rates above 20% that make every payment feel pointless
- A need for structure and a real end date on your debt
Amount
$1K – $50K
Decision
As fast as 24 hrs
Min. credit score
580
Large Purchases
Finance a major expense without touching your savings
Some purchases are too big to put on a card and too important to delay. A personal loan gives you a fixed amount at a fixed rate so you can make the purchase now and pay it off on a predictable schedule — without draining what you've saved.
GOOD IF YOU'RE DEALING WITH
- A significant one-time expense you weren't fully prepared for
- A purchase you'd rather not put on a high-interest credit card
- A timeline that doesn't allow you to save up first
Amount
$1K – $100K
Decision
As fast as 24 hrs
Min. credit score
600
Auto Refinance
Lower your rate on a car loan you already have
If your credit has improved since you financed your car — or rates have dropped — refinancing could lower your monthly payment or cut the total interest you pay. Same car, better loan.
GOOD IF YOU'RE DEALING WITH
- A car loan with a rate that felt high when you signed it
- A credit score that's improved since your original financing
- A monthly payment that's tighter than it needs to be
Amount
$5K – $100K
Decision
1–2 business days
Min. credit score
600
Home Improvement
Fund the project without touching your home equity
Whether you're buying your first commercial property, refinancing an existing one, or expanding to a new location, business real estate loans are built for the long game. Longer terms and lower rates than most business financing — because the property backs the loan.
GOOD IF YOU'RE DEALING WITH
- A repair or upgrade that can't wait but isn't budgeted for
- A renovation you want to complete before listing or refinancing
- A preference to borrow without tapping your home equity
Amount
$1K – $100K
Decision
As fast as 24 hrs
Min. credit score
600
Student Loan Refinance
Simplify repayment and potentially lower your rate
Refinancing your student loans into a single private loan can lower your interest rate, reduce your monthly payment, or help you pay off your balance faster — depending on what matters most to you right now.
GOOD IF YOU'RE DEALING WITH
- Multiple student loans with varying rates and servicers
- A steady income and improved credit since you originally borrowed
- A monthly payment that's harder to manage than it should be
Amount
$5K – $300K
Decision
2–5 business days
Min. credit score
650
Auto Purchase
Get pre-funded before you set foot in a dealership
Knowing your rate and budget before you shop gives you real negotiating power. A personal auto loan funds your purchase directly so you're buying as a cash buyer — not at the mercy of dealer financing.
GOOD IF YOU'RE DEALING WITH
- A car purchase coming up and a desire to avoid dealer markups
- An older vehicle that's costing more to maintain than it's worth
- A first-time purchase and a need to understand your real budget
Amount
$5K – $100K
Decision
1–2 business days
Min. credit score
600
Taxes
Cover a tax bill without draining your cash
An unexpected tax liability doesn't have to wipe out your savings or send you to the IRS on a payment plan. A personal loan lets you settle what you owe now and pay it back over time at a rate that's likely better than IRS interest and penalties.
GOOD IF YOU'RE DEALING WITH
- A tax bill that came in larger than expected
- A desire to avoid IRS payment plans or late penalties
- A need to pay what you owe now and manage repayment on your terms
Amount
$1K – $50K
Decision
As fast as 24 hrs
Min. credit score
580
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