Solutions · Types of credit

Six ways to finance a business.
One advisor to find your fit.

A reference guide to the core credit products in our network — what they are, when to use them, and what to expect on terms.

Lines of creditTerm loansSBA loansEquipment financingAR & invoice financingCommercial real estate
01 — Product

Lines of credit

Revolving capital you draw against as your business needs it.

Pre-approved access to working capital, available on demand. Draw what you need, pay interest only on the balance, and replenish as you repay. Built for the gap between expenses and receivables.

Typical terms
Amount$25K – $5M
Draw periodRevolving · Renewable annually
Rate typeVariable, prime-based
Time to fund5–10 business days
Best for
  • Working capital gaps
  • Seasonal cash-flow swings
  • Inventory build-up
  • Payroll bridging
  • Opportunistic deals
02 — Product

Term loans

Fixed capital for a defined growth investment or project.

A lump sum repaid over a fixed schedule. Use for one-time capital needs — acquisitions, major equipment, expansion, debt consolidation. Predictable payments, predictable structure.

Typical terms
Amount$50K – $10M
Term length1–10 years
Rate typeFixed or variable
Time to fund2–4 weeks
Best for
  • Business acquisitions
  • Expansion and buildouts
  • Major equipment
  • Debt refinancing
  • Owner buyouts
03 — Product

SBA loans

Government-backed financing with the best rates available.

Loans partially guaranteed by the Small Business Administration, offered through participating lenders. Lower rates, longer terms, and lower down payments than conventional loans — for qualifying businesses.

Typical terms
Programs7(a) · 504 · Express
AmountUp to $5M
Term lengthUp to 25 yrs (real estate)
Time to fund30–60 days
Best for
  • Acquisitions
  • Commercial real estate
  • Long-term equipment
  • Refinancing existing debt
  • Working capital
04 — Product

Equipment financing

Purchase or lease equipment with the asset as collateral.

Capital secured by the equipment itself, so qualification is easier and 100% financing is common. Works for nearly any business-critical asset — manufacturing, medical, construction, IT, transportation.

Typical terms
AmountUp to 100% of cost
Term length2–7 years
StructureLoan or lease
Time to fund3–7 business days
Best for
  • Heavy machinery
  • Medical equipment
  • Commercial vehicles
  • IT infrastructure
  • Manufacturing assets
05 — Product

AR & invoice financing

Unlock cash tied up in unpaid customer invoices.

Advance against your receivables — get the bulk of an invoice today, the remainder when your customer pays. Bridges the gap between work performed and cash collected, without taking on traditional debt.

Typical terms
Advance rateUp to 90% of invoice
StructureFactoring or AR line
PricingDiscount fee or interest
Time to fundSame-week
Best for
  • B2B businesses with net-30/60/90 terms
  • Staffing and consulting firms
  • Manufacturers and wholesalers
  • Government contractors
  • Rapid-growth companies
06 — Product

Commercial real estate

Financing to buy, build, or refinance commercial property.

Long-term capital for owner-occupied or investor-held commercial real estate. Includes acquisition, construction, bridge, and permanent financing — across asset classes from industrial to multifamily.

Typical terms
Amount$500K – $25M
Term length5–30 years
LTVUp to 80%
Time to fund45–90 days
Best for
  • Owner-occupied purchases
  • Investment property
  • Construction & rehab
  • Refinancing existing CRE
  • Bridge to permanent
Still not sure?

A 15-minute call with an advisor narrows it down fast.

We’ll review your situation, recommend the right product, and walk you through likely terms before you apply.

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