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Our products

Four facilities, sized to how your business runs.

We hold every loan we originate on our own balance sheet. That changes how we structure: the goal is a facility a healthy operator can carry through a soft quarter, not one that maximizes our return in the next ninety days.

01 Term financing

Term Loans

Fixed-amount, fixed-amortization growth capital for businesses with a clear use of proceeds. Acquisitions, partner buyouts, capacity build, and real-estate-light expansion are our most common cases.

Inquire about a term loan
Facility size$50K–$2M
Term length12–84 months
Rate rangeFrom 9.75% APR
AmortizationMonthly, fully amortizing
CollateralUCC-1 on business assets
Personal guaranteeRequired, limited

Typical uses

  • Strategic acquisition of a competitor or complementary business
  • Buying out a retiring partner or minority shareholder
  • Funding a single piece of capacity-building capex
  • Refinancing higher-cost short-term debt or merchant cash advances

Qualifying profile

  • Two or more years of operating history with audited or reviewed financials
  • Minimum $750K trailing twelve-month revenue
  • Positive trailing twelve-month operating cash flow
  • Owner credit profile reviewed but not solely determinative
02 Revolving credit

Lines of Credit

A revolving facility you can draw against when working capital cycles get bumpy. Interest is charged only on the outstanding balance. Re-borrow as you repay.

Inquire about a line of credit
Facility size$25K–$500K
Draw period12 or 24 months, renewable
Rate rangePrime + 4.00% to Prime + 9.50%
Minimum draw$5,000
CollateralUCC-1, AR-secured optional
Annual fee0.25% of approved limit

Typical uses

  • Bridging large customer purchase orders before payment lands
  • Seasonal inventory build ahead of a known sales window
  • Payroll smoothing for businesses with concentrated quarterly revenue
  • Opportunistic inventory purchases when a supplier offers a meaningful discount

Qualifying profile

  • Two or more years of operating history
  • Minimum $500K trailing twelve-month revenue
  • Demonstrable working-capital cycle that justifies a revolver versus a term loan
  • Owner FICO 650+
03 Early-stage

Founders Capital

Capital for founders running a real business that is too early for a traditional bank loan and too operational for venture. Revenue is required. We will not finance a deck.

Inquire about Founders Capital
Facility size$25K–$250K
Term length12–36 months
Rate rangeFrom 12.5% APR
AmortizationMonthly or revenue-pegged
CollateralUCC-1; PG required
Decision time7–14 days from complete file

Typical uses

  • Hiring the first one or two full-time employees
  • Initial inventory build to fulfill committed orders
  • A focused marketing push with a defined CAC and payback window
  • Bridging to a known financing event (an SBA loan, a strategic check, an asset sale)

Qualifying profile

  • Six or more months of consistent revenue
  • Minimum $15K monthly revenue, trending stable or up
  • Founder operating full-time in the business
  • A clear, written use of proceeds with a return-on-capital story you can defend
04 Asset-secured

Equipment Financing

Direct financing of a specific piece of equipment. The asset itself secures the loan. We pay the vendor; you take delivery. Title transfers at payoff.

Inquire about equipment financing
Facility size$25K–$1M
Term length24–72 months
Rate rangeFrom 8.50% APR
Down payment0–20% typical
CollateralFinanced equipment
Decision time5–10 business days

Eligible equipment

  • Manufacturing and production machinery (CNC, presses, dust collection, finishing)
  • Commercial vehicles and small fleets
  • Specialty trade equipment (HVAC service rigs, contractor equipment)
  • Medical, dental, and veterinary capital equipment

Qualifying profile

  • One or more years of operating history
  • Minimum $250K trailing twelve-month revenue
  • Equipment from a reputable vendor with verifiable specifications
  • Owner FICO 640+
Choosing a product

Not sure which fits? Start with the question.

A fifteen-minute call clarifies more than any online calculator. Tell us what the capital is for, when you need it, and what the business looks like today. We will tell you whether we are the right lender, plainly.

If the use is a one-time investment,

look at a Term Loan. Fixed amount, fixed schedule, predictable cost. Right for acquisitions, capex, or refinancing.

If cash flow is the variable,

a Line of Credit is usually the better instrument. Draw what you need, repay, draw again. Right for inventory, seasonal businesses, AR-heavy operations.

If you are early but already real,

Founders Capital is built for the gap between "the bank said no" and "venture is the wrong shape." Revenue and a real plan are the prerequisites.

Begin a conversation

Tell us what you are building.

We answer inquiries within one business day. If we are not the right fit, we will tell you that on the first call.

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