Capital structured around your business, not against it.
Whether you need operating capital, expansion funding, or acquisition financing, the right structure depends on your cash flow, your assets, and your plan. We package the file for the lenders whose appetite fits your business.
- Licensed FSRA brokerage
- Cash-flow + asset structuring
- Lender-matched
What businesses come to us for.
Growth & expansion
You are scaling — new location, equipment, inventory, or hiring — and need capital that matches the growth timeline.
Working capital
You need to smooth cash flow, fund receivables, or bridge a seasonal cycle without stalling operations.
Acquisition buyers
You are buying a business or buying out a partner and need acquisition financing structured around the target cash flow.
Asset-backed borrowers
You hold equipment, real estate, or receivables that can secure financing on better terms than unsecured debt.
Cash flow and assets define the structure.
Business financing is a structuring problem before it is a rate problem.
Lenders look at your cash flow (can the business service the debt?), your assets (what can secure it?), and your plan (does the use of funds generate a return?). The right answer might be a term loan, an operating line, equipment financing, or a financing secured against business real estate — often a combination.
We assemble your financials, projections, and the use-of-funds story into a package lenders can say yes to, and we take it to the lenders and programs — including secured and asset-backed structures — that match your situation.
How business financing gets structured.
Business financing is a structuring problem before it’s a rate problem. Lenders weigh three things: your cash flow (can the business service the debt?), your assets (what can secure it?), and your use of funds (does it generate a return?).
The right answer might be a term loan, an operating line of credit, equipment financing, or a facility secured against business real estate — often a combination. Secured, asset-backed structures usually offer better rates and larger limits than unsecured debt.
We assemble your financials, projections, and the use-of-funds story into a package lenders can say yes to, and take it to the programs that match your situation and deal size.
Run your numbers in the calculatorYour business generates real cash flow
Strong, documented cash flow that can comfortably service the debt opens the most options.
You have a clear use of funds with a return
Expansion, equipment, working capital, or an acquisition where the capital pays for itself.
You have assets to pledge
Equipment, real estate, or receivables can secure financing on better terms than unsecured debt.
- You’re pre-revenue with no security or concrete plan — most lenders need cash flow or assets to underwrite.
- You’re really borrowing against a home you own — a HELOC or refinance is cheaper for that.
- You’re looking for a grant rather than debt — that’s a different funding path entirely.
From plan to funded capital.
We define the right structure, package the file, and place it.
Intake
Your business, financials, use of funds, and available security.
Structure
Term loan, line, equipment, or secured facility — matched to cash flow and assets.
Package
Financials, projections, and the use-of-funds story, built for lender review.
Placement
Taken to lenders whose appetite fits your business and deal size.
What you need now, and what comes later
You only need the first group to start. We request the rest as your file progresses — and we tell you exactly when.
Get the full document checklist
See exactly what we’ll ask for — grouped by when you need it, with what’s required vs. situational clearly marked. We’ll email you a branded PDF you can keep and work from.
Business files need financial statements, often projections, and details of any security offered. The set depends on facility type and size — we map it at intake.
How long it takes
- 01
Intake to structure: 3-7 days
We define a fundable structure once we have your financials and use-of-funds detail.
- 02
Package to term sheet: 1-3 weeks
Lender review timelines vary with facility type and complexity.
- 03
Term sheet to funding: 2-6 weeks
Due diligence, security registration, and legal complete the deal.
Questions buyers ask
What types of business financing can you arrange?
Term loans, operating lines of credit, equipment financing, acquisition financing, and facilities secured against business real estate or other assets — frequently a combination structured to the need. We match the structure to your cash flow and security.
What do lenders look at most?
Cash flow first — can the business comfortably service the debt — then the security available, then the use of funds and the return it generates. Strong, well-documented cash flow opens the most options.
Do I need to secure the loan with assets?
Not always, but secured financing — backed by equipment, real estate, or receivables — typically offers better rates and larger limits than unsecured debt. Where you have assets to pledge, we structure to use them.
Can I finance a business acquisition?
Yes. Acquisition financing is structured around the target business cash flow and assets, sometimes blended with vendor financing or a real estate component. We package the deal around what the acquired business can support.
How long does business financing take?
Typically three to eight weeks from intake to funding, depending on facility type, size, and how readily your financials and projections come together. Cleaner files move faster.
Structure the capital your business needs.
Start your business loan application. About 13-15 minutes.
Start a business loan application