All programmes

Six programmes, and what each one asks of you

The range, the rate and the term for every one, alongside what a business needs to have before it will be approved. One application is assessed against all six.

Pre-qualify

One advisor on the file, from the application to the funding.

A shop with one fixed number a month against it.

Term Loan

One fixed number every month, for a capital deployment you can put a figure against.

Amount: $25,000 – $500,000
Rates from: 6.99% APR
Term: 6 – 60 months
Decision: 24 – 48 hours

$25,000 – $500,000 — what it asks →

A salon drawing on demand rather than in a lump.

Line of Credit

Capital on demand rather than in a lump, with same-day transfers to your bank.

Amount: $10,000 – $250,000
Rates from: 8.99% APR
Draws: Same-day transfer
Maintenance: No monthly fee

$10,000 – $250,000 — what it asks →

Costs that arrive monthly against fees that arrive daily.

Working Capital Loan

For payroll, inventory and the gap between delivering work and being paid for it.

Amount: $10,000 – $300,000
Rates from: 7.99% APR
Term: 6 – 24 months
Repayment: Daily, weekly or monthly

$10,000 – $300,000 — what it asks →

The lowest rate here, because the equipment secures it.

Equipment Financing

The lowest rates and the longest terms here, because the equipment secures it.

Amount: $15,000 – $1,000,000
Rates from: 5.99% APR
Term: 12 – 84 months
Financing: Up to 100%

$15,000 – $1,000,000 — what it asks →

A practice repaying as a share of what it takes on cards.

Merchant Cash Advance

A lump sum against card sales, collected as a share of them.

Amount: $5,000 – $250,000
Term: 6 – 18 months
Funding: Same day available
Assessed on: Card-sales history

$5,000 – $250,000 — what it asks →

A decision in hours, for something that cannot wait a week.

Short-Term Loan

For when you cannot wait a week for a yes. Decisions in hours.

Amount: $5,000 – $100,000
Term: 3 – 18 months
Decision: 4 – 8 hours
Funding: Same day

$5,000 – $100,000 — what it asks →

The general minimum

Below these, none of the six will approve.

Below this, none of the six programmes will approve, and it is better to know that now than after filling anything in. Individual programmes ask for more, and each says so on its own page.

6+ monthsin business

$10,000+monthly revenue

25%+ownership stake

550+credit score

The application

Pre-qualify in minutes

A soft credit check, no impact on your score, and no obligation. A funding specialist reads every application.