Keep your business moving.Explore your financing.

This option may be suitable for startups, newer businesses, and existing companies that need flexible access to capital without a traditional term loan.

Potential uses include

• Startup expenses
• Marketing and advertising
• Inventory
• Software and systems
• Hiring and payroll support
• Business expansion
• Debt consolidation
• Short-term working capital
• Emergency reserves
• Vendor payments
• Business travel
• Initial operating expenses

Potential qualification factors may include

• Personal credit score
• Credit history
• Existing credit accounts
• Payment history
• Recent late payments
• Charge-offs
• Bankruptcies
• Credit utilization
• Available credit
• Overall credit strength

Because this type of funding is often credit-driven, applicants may be asked to complete a credit review, provide a recent credit report, or authorize a soft-pull or prequalification review before the file is submitted for funding consideration.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Business Credit Line Program” in your request.

This may be suitable for companies that process regular deposits and need funding for growth, inventory, payroll, repairs, marketing, expansion, or short-term cash flow needs.

Potential uses include

• Working capital
• Inventory purchases
• Payroll support
• Marketing campaigns
• Equipment repairs
• Short-term cash flow needs
• Expansion costs
• Supplier payments
• Emergency business expenses
• Seasonal business needs

Potential qualification factors may include

• Monthly business revenue
• Time in business
• Bank statement activity
• Number of monthly deposits
• NSF activity
• Existing funding positions
• Industry type
• Business ownership verification
• Credit profile
• Cash flow consistency

This option may move faster than traditional financing, but costs and repayment structures can vary based on risk, revenue, credit profile, cash flow, and underwriting.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Revenue-Based Business Funding” in your request.

A merchant cash advance is generally structured as an advance against future business receivables or future sales. Instead of a traditional fixed monthly loan payment, repayment may be made through daily, weekly, or periodic payments based on the structure offered by the funding provider.

Potential uses include

• Working capital
• Inventory purchases
• Payroll support
• Emergency expenses
• Marketing campaigns
• Supplier payments
• Equipment repairs
• Seasonal business needs
• Short-term cash flow gaps
• Expansion opportunities
• Paying down urgent business obligations

Potential qualification factors may include

• Monthly revenue
• Business bank statements
• Time in business
• Number of monthly deposits
• NSF activity
• Existing funding positions
• Industry type
• Business ownership verification
• Credit profile
• Cash flow consistency
• Average daily or monthly balances

This option may move faster than traditional financing, but the cost of capital can be higher. Applicants should carefully review the total repayment amount, factor rate, payment frequency, holdback structure, renewal terms, fees, and any impact on daily cash flow before accepting an offer.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Merchant Cash Advance” in your request.

This option may be suitable for new or existing businesses, transportation companies, freight brokers, staffing companies, service businesses, suppliers, manufacturers, wholesalers, and other companies that generate invoices from completed work, delivered products, or completed services.

Potential uses include

• Improving cash flow
• Getting paid faster on completed invoices
• Paying carriers, vendors, fuel, payroll, or suppliers
• Reducing collection workload
• Reducing bad debt risk
• Supporting growth without waiting for customer payments
• Taking on larger jobs or contracts
• Managing seasonal cash flow
• Replacing slow receivable cycles with faster working capital
• Supporting transportation, freight, logistics, and service-based businesses

Potential qualification factors may include

• Current accounts receivable
• Monthly factoring volume
• Number of active customers
• Customer credit strength
• Invoice quality
• Whether products or services have been fully delivered
• Whether invoices are already pledged elsewhere
• Terms of sale
• Business formation documents
• Photo identification
• Current AR aging report
• Customer payment history
• Industry type
• Tax, lien, and banking status
• Prior factoring history, if applicable

How invoice factoring generally works

The business completes the work, delivers the product, or completes the service.

The business issues an invoice to its customer.

The invoice is submitted for review and verification.

If approved, an advance may be provided against the invoice, allowing the business to receive cash faster.

The customer pays the factoring company.

After the customer pays, the remaining reserve balance is released back to the business, less applicable fees.

This option may help businesses improve cash flow without taking on a traditional term loan. It may also reduce administrative workload because some factoring programs include accounts receivable management, customer credit checks, invoice mailing, collections support, online systems, and dedicated account executives.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Invoice Factoring and Accounts Receivable Funding” in your request.

Transportation businesses often face a cash-flow gap because fuel, payroll, insurance, maintenance, carrier payments, and operating costs may need to be paid before customers pay invoices. Factoring can help bridge that timing gap.

Potential uses include

• Paying carriers on time
• Covering fuel and operating costs
• Supporting dispatch and load growth
• Reducing collection time
• Improving carrier relationships
• Avoiding long waits for customer payment
• Supporting new freight broker operations
• Helping growing transportation companies manage cash flow
• Reducing bad debt exposure through customer credit checks or credit-guaranteed programs where available

Potential qualification factors may include

• Invoices from completed transportation services
• Customer creditworthiness
• Number of active customers
• Monthly factoring volume
• Current AR aging
• Motor carrier information, if applicable
• Business formation documents
• Owner identification
• Insurance and business support information
• Existing liens, pledged receivables, or prior factoring relationships
• Banking and tax information

This option may be a practical fit for businesses that are growing but cannot afford to wait for customers to pay on standard invoice terms.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Transportation and Freight Factoring” in your request.

This option may be suitable for wholesalers, distributors, importers, suppliers, manufacturers, resellers, and businesses that receive large customer orders but do not have enough cash available to purchase inventory, produce goods, or complete fulfillment.

Potential uses include

• Funding inventory needed to fulfill a purchase order
• Paying suppliers or manufacturers
• Supporting large customer orders
• Importing goods
• Managing supplier deposits
• Completing wholesale or distribution orders
• Supporting growth without giving up equity
• Taking on larger contracts
• Bridging the gap between order placement and customer payment

Potential qualification factors may include

• Valid purchase order from a creditworthy customer
• Customer credit strength
• Supplier or manufacturer reliability
• Gross profit margin
• Cost of goods
• Delivery timeline
• Fulfillment risk
• Product type
• Whether goods are pre-sold
• Whether the transaction is business-to-business
• Whether inspection, shipping, or logistics are required
• Prior business experience
• Accounts receivable or factoring availability after delivery

How purchase order funding generally works

The business receives a purchase order from a customer.

The purchase order, supplier quote, customer information, and transaction details are reviewed.

If approved, the funding provider may pay the supplier directly or provide funding toward the cost of goods.

The supplier produces or ships the goods.

The customer receives the product and is invoiced.

The customer payment is collected, and the purchase order funding provider is repaid according to the agreed structure.

Purchase order funding may be useful for businesses with strong sales opportunities but limited cash to fulfill orders. It is generally best suited for transactions with clear margins, reliable suppliers, creditworthy customers, and confirmed purchase orders.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Purchase Order Funding” in your request.

This option is commonly used by dealerships, equipment sellers, vehicle dealers, powersports dealers, furniture sellers, appliance sellers, machinery dealers, and inventory-heavy businesses that need to keep stock available for customers.

Potential uses include

• Purchasing inventory for resale
• Stocking vehicles, equipment, or machinery
• Expanding inventory availability
• Supporting dealership growth
• Managing cash flow while inventory is held
• Increasing product selection
• Taking advantage of supplier purchasing opportunities
• Bridging the gap between inventory purchase and customer sale

Potential qualification factors may include

• Type of inventory
• Inventory value
• Resale market
• Dealer or business experience
• Business credit profile
• Personal credit profile
• Sales history
• Inventory turnover
• Supplier relationships
• Collateral quality
• Insurance coverage
• Storage location
• Existing liens or financing
• Business financials
• Repayment history

Floor plan financing generally allows a business to finance inventory until the inventory is sold. When an item is sold, the related advance is repaid according to the financing structure. Applicants should review interest costs, curtailment requirements, audit rights, collateral controls, repayment timing, inventory reporting, and what happens if inventory does not sell as expected.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Floor Plan Financing / Inventory Floor Financing” in your request.

This may be suitable for business owners who need larger funding amounts, lower monthly payments, debt consolidation, working capital, or growth capital and have sufficient real estate equity.

Potential uses include

• Business working capital
• Debt consolidation
• Expansion capital
• Paying off higher-cost business debt
• Marketing and growth
• Equipment or inventory
• Real estate investment capital
• Business acquisition support
• Lower monthly payment strategy

Potential qualification factors may include

• Property type
• Available equity
• Credit score
• Debt-to-income ratio
• Lien position
• Occupancy type
• State eligibility
• Underwriting requirements
• Business purpose of funds

Because this type of funding may depend on both real estate equity and personal credit, applicants may be asked to complete a credit review and provide property-related information before available options can be confirmed.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Business Purpose Home Equity Funding” in your request.

This option may be suitable for experienced investors, newer investors with support, contractors, real estate operators, and investment groups seeking short-term financing for residential rehab projects.

Potential uses include

• Property acquisition
• Renovation funding
• Rehab budget financing
• Short-term investor financing
• Distressed property purchase
• Value-add real estate projects
• Light, standard, or heavy rehab projects
• 1-4 unit residential investment properties

Potential qualification factors may include

• Borrower credit profile
• Investor experience
• Completed exits or prior projects
• Property value
• Purchase price
• After-repair value
• Rehab budget
• Project profitability
• Liquidity
• Scope of work
• Contractor details
• Exit strategy

This type of financing is generally short-term and may include interest-only payment structures, construction draw processes, renovation budgets, and underwriting based on both borrower strength and project economics.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Fix & Flip Financing” in your request.

This strategy may be useful for investors who intend to stabilize a property as a rental rather than immediately sell it after renovation.

Potential uses include

• Buy-renovate-rent-refinance strategies
• Distressed property acquisition
• Renovation and stabilization
• Transitioning a rehab project into a long-term rental
• Building a rental portfolio
• Creating cash-flowing assets
• Refinancing from short-term rehab debt into longer-term rental debt

Potential qualification factors may include

• Credit profile
• Real estate experience
• Property type
• Purchase price
• Renovation budget
• After-repair value
• Expected rental income
• Exit plan
• Liquidity
• Appraisal or valuation
• Lease readiness
• Debt service coverage

This option may be suitable for investors who want to use short-term financing to improve a property and then move into longer-term rental financing once the property is stabilized.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Fix2Rent / BRRRR Financing” in your request.

This option may be suitable for shovel-ready projects, infill construction, spec home builds, teardown-and-rebuild projects, and small residential developments.

Potential uses include

• New construction
• Spec home builds
• Infill development
• Small residential developments
• Teardown and rebuild projects
• Construction-to-sale strategies
• Construction-to-rental strategies
• Build-to-rent projects

Potential qualification factors may include

• Borrower credit profile
• Construction experience
• Completed builds or exits
• Land ownership or purchase terms
• Lot readiness
• Entitlements
• Permits
• Construction budget
• Plans and specifications
• Builder or contractor qualifications
• Appraised value
• Project timeline
• Exit strategy
• Liquidity

This type of funding may involve construction draws, inspection requirements, budget review, plans review, builder validation, and underwriting based on project feasibility and borrower experience.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Ground-Up Construction Financing” in your request.

This option may be suitable for builders, investors, and operators who want to construct properties and then transition into longer-term rental financing.

Potential uses include

• Building rental homes
• Small rental developments
• New construction rental strategy
• Portfolio growth
• Construction-to-DSCR rental loan strategy
• Long-term hold investments
• Investor-owned residential development

Potential qualification factors may include

• Construction experience
• Credit profile
• Lot readiness
• Construction budget
• Property type
• Expected rental income
• Exit to rental financing
• Liquidity
• Appraisal or valuation
• Market rental demand
• Lease-up plan

This option may work well for investors who are focused on building long-term rental assets rather than selling immediately after construction.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Build2Rent Financing” in your request.

This option may be suitable for investors acquiring properties quickly, refinancing existing short-term debt, holding a property temporarily, or creating time to execute a longer-term strategy.

Potential uses include

• Fast acquisition financing
• Short-term hold financing
• Investment property purchases
• Bridge-to-permanent financing
• Bridge-to-rental financing
• Portfolio transition financing
• Refinance of existing bridge debt
• Acquiring properties with minimal rehab needs

Potential qualification factors may include

• Credit profile
• Investor experience
• Property value
• Property condition
• Liquidity
• Loan-to-value ratio
• Exit strategy
• Property type
• Ownership structure
• Appraisal or valuation

This option may be appropriate when an investor needs speed, flexibility, or interim capital before selling, refinancing, stabilizing, or moving into longer-term financing.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Bridge Financing” in your request.

DSCR generally refers to debt service coverage, meaning the property’s rental income is compared against the monthly debt obligations and related property expenses. This option may be suitable for investors who want to purchase, refinance, cash out, or hold rental properties without relying solely on traditional personal income underwriting.

Potential uses include

• Rental property acquisition
• Rate-and-term refinancing
• Cash-out refinancing
• Long-term rental financing
• Portfolio growth
• Replacing short-term debt
• Stabilizing rental investments
• Improving cash flow
• Pulling equity for future investments

Potential qualification factors may include

• Credit score
• Property rental income
• Debt service coverage
• Property value
• Property type
• Lease status
• Market rent
• Borrower liquidity
• Purchase or refinance structure
• Cash-out request
• Property condition
• Appraisal
• Insurance
• Entity documents

This option may include fixed-rate, adjustable-rate, and interest-only structures depending on the provider, borrower qualifications, and program availability.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “DSCR Rental Loan Program” in your request.

This option may be useful for investors seeking to simplify financing, refinance multiple properties, acquire a group of properties, or access equity across several rental assets.

Potential uses include

• Financing multiple rental properties
• Portfolio refinance
• Cash-out across a rental portfolio
• Scaling rental holdings
• Consolidating debt
• Acquiring a group of investment properties
• Improving portfolio-level cash flow

Potential qualification factors may include

• Number of properties
• Aggregate property value
• Rental income
• DSCR
• Borrower credit profile
• Liquidity
• Property locations
• Lease status
• Property condition
• Ownership structure
• Appraisals or valuations
• Insurance and tax information

Portfolio financing may help investors manage multiple properties more efficiently, but underwriting may consider both individual property performance and the overall portfolio.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Rental Portfolio Financing” in your request.

This option may be suitable for investors focused on vacation rentals, furnished rentals, Airbnb-style properties, and higher-yield rental strategies.

Potential uses include

• Short-term rental acquisition
• Vacation rental refinance
• Cash-out refinance
• Furnishing and setup capital
• Portfolio expansion
• Replacing short-term debt
• Rental investment growth

Potential qualification factors may include

• Property location
• Rental income potential
• Market rent or short-term rental income analysis
• Credit profile
• Property type
• Liquidity
• Appraisal
• Occupancy history
• Local regulations
• Insurance requirements
• Management structure
• DSCR or rental performance

Short-term rental financing can be attractive for investors, but underwriting may be more detailed because income can vary by season, location, regulation, and property management quality.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Short-Term Vacation Rental Financing” in your request.

This option may be suitable for investors moving from bridge, rehab, or construction debt into longer-term financing, or for rental owners seeking cash out or improved terms.

Potential uses include

• Rate-and-term refinance
• Cash-out refinance
• Bridge-to-permanent financing
• Rehab-to-rental refinance
• Construction-to-rental refinance
• DSCR refinance
• Portfolio refinance
• Lowering payment obligations
• Pulling capital for the next investment
• Replacing expensive or short-term debt

Potential qualification factors may include

• Current loan balance
• Property value
• Rental income
• DSCR
• Credit profile
• Cash-out amount requested
• Property condition
• Seasoning requirements
• Appraisal
• Lease status
• Ownership structure
• Liquidity

Refinancing may help investors improve cash flow, access equity, extend terms, or move from a short-term investment loan into a longer-term structure.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Real Estate Investor Refinance Options” in your request.

This may be suitable for operating businesses that need capital for practical business needs rather than real estate investment.

Potential uses include

• Equipment purchases
• Vehicles or machinery
• Technology upgrades
• Software systems
• Inventory
• Hiring
• Marketing
• Expansion
• Vendor payments
• Business improvements
• Working capital reserves

Potential qualification factors may include

• Business revenue
• Time in business
• Credit profile
• Equipment type
• Collateral value
• Bank statements
• Industry
• Existing debt
• Use of funds
• Business ownership verification

The right product may depend on whether the business has strong revenue, strong credit, collateral, real estate, purchase orders, receivables, or other assets.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Equipment, Expansion, and Operational Funding” in your request.

Leasing may help businesses preserve working capital, upgrade equipment, manage monthly payments, and match the cost of equipment to the revenue it helps generate.

Potential uses include

• Commercial equipment
• Machinery
• Vehicles
• Trucks or trailers
• Medical equipment
• Restaurant equipment
• Construction equipment
• Manufacturing equipment
• Office technology
• Computers and servers
• Software-related equipment
• Material handling equipment
• Business upgrades

Potential qualification factors may include

• Equipment type
• Equipment cost
• Vendor or seller information
• Business revenue
• Time in business
• Credit profile
• Industry type
• Down payment or deposit
• Equipment useful life
• Resale value
• Business bank statements
• Ownership verification
• Existing debt obligations

Leasing may be useful when a business wants to conserve cash, avoid a large upfront purchase, acquire needed equipment quickly, or upgrade assets over time. Depending on the structure, there may be options to purchase the equipment, return it, renew the lease, or upgrade at the end of the term.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Equipment Leasing and Business Asset Leasing” in your request.

In a typical sale-leaseback structure, the business sells an asset to a financing provider and then leases it back for continued business use. This may provide liquidity without interrupting operations.

Potential uses include

• Unlocking cash from owned equipment
• Working capital
• Business expansion
• Debt consolidation
• Payroll support
• Inventory purchases
• Vendor payments
• Emergency cash flow
• Restructuring business obligations
• Preserving operations while accessing liquidity

Potential qualification factors may include

• Type of asset
• Asset value
• Proof of ownership
• Equipment condition
• Appraisal or valuation
• Existing liens
• Business revenue
• Credit profile
• Industry type
• Equipment age
• Insurance coverage
• Continued business use
• Repayment ability

This option may be useful for businesses that have value trapped in owned assets but do not want to stop using those assets. Applicants should carefully review lease payments, repurchase options, ownership transfer terms, insurance requirements, default provisions, and total cost before accepting a sale-leaseback or reverse leasing structure.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Sale-Leaseback / Reverse Leasing” in your request.

This option may be suitable for business owners purchasing a business, expanding operations, buying equipment, acquiring owner-occupied commercial real estate, or seeking structured working capital through programs offered by approved lenders and funding partners.

Potential uses include

• Business acquisition
• Franchise acquisition
• Expansion capital
• Owner-occupied commercial real estate
• Equipment purchases
• Working capital
• Refinancing eligible business debt
• Partner buyouts
• Opening additional locations
• Business improvement projects

Potential qualification factors may include

• Business cash flow
• Personal and business credit profile
• Time in business
• Collateral availability
• Equity injection or down payment
• Business plan
• Tax returns and financial statements
• Debt service coverage
• Industry eligibility
• Use of funds
• Owner experience
• Lender and program requirements

These programs can be attractive because terms may be longer than many alternative financing options, but they are typically more documentation-heavy and may require stronger financials, borrower support, collateral review, and longer processing timelines.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “SBA and Government-Backed Business Loans” in your request.

This option may be suitable for individuals pursuing entrepreneurship through acquisition, companies seeking roll-up acquisitions, or operators wanting to expand by buying another business instead of building from scratch.

Potential uses include

• Buying an existing business
• Acquiring a competitor
• Franchise purchase
• Partner buyout
• Management buyout
• Roll-up acquisition strategy
• Seller-financed deal support
• Working capital after closing
• Equipment or inventory included in acquisition
• Professional services acquisition

Potential qualification factors may include

• Buyer credit profile
• Buyer experience
• Target business cash flow
• Seller financial statements
• Purchase agreement or letter of intent
• Valuation or purchase price support
• Down payment/equity injection
• Collateral
• Transition plan
• Industry risk
• Seller financing terms
• Debt service coverage

Acquisition financing is often more complex than ordinary working capital because underwriting may review both the buyer and the business being purchased. Seller financing, standby notes, collateral, and post-closing working capital may all affect the structure.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Business Acquisition Financing” in your request.

This option may be suitable for first-time franchise buyers, existing franchise operators, multi-unit operators, and business owners expanding into a proven franchise model.

Potential uses include

• Franchise purchase
• Initial franchise fee
• Location buildout
• Equipment and fixtures
• Inventory
• Working capital
• Marketing launch costs
• Multi-unit expansion
• Refinancing franchise-related debt
• Acquiring an existing franchise location

Potential qualification factors may include

• Franchise brand and system strength
• Borrower credit profile
• Borrower liquidity
• Business plan
• Projected cash flow
• Franchise disclosure documents
• Lease or site information
• Buildout budget
• Equipment list
• Down payment
• Operator experience
• Lender eligibility

Franchise financing may be available through several paths, including SBA-style programs, equipment finance, working capital, real estate financing, or private credit depending on the borrower and franchise system.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Franchise Financing” in your request.

This option may be suitable for owner-occupied business properties, investor-owned commercial properties, warehouses, retail plazas, offices, medical offices, industrial buildings, self-storage, mixed-use properties, and other commercial real estate opportunities.

Potential uses include

• Property purchase
• Commercial refinance
• Cash-out refinance
• Owner-occupied real estate
• Investor commercial property
• Warehouse or industrial acquisition
• Retail or office property
• Medical office purchase
• Mixed-use property
• Self-storage or specialty property

Potential qualification factors may include

• Property type
• Property value
• Net operating income
• Debt service coverage
• Tenant quality
• Lease terms
• Borrower credit
• Borrower liquidity
• Down payment/equity
• Environmental review
• Appraisal
• Use of proceeds
• Market conditions

Commercial real estate financing can vary widely by property type, occupancy, location, lease quality, borrower strength, and lender appetite. Investor and owner-occupied structures may be reviewed differently.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Commercial Real Estate Financing” in your request.

This option may be suitable for companies with accounts receivable, inventory, equipment, machinery, vehicles, real estate, or other collateral that may support a borrowing base.

Potential uses include

• Working capital
• Growth capital
• Inventory purchases
• Receivables support
• Equipment-backed funding
• Collateral-based refinancing
• Seasonal needs
• Acquisition support
• Debt consolidation
• Liquidity against business assets

Potential qualification factors may include

• Asset type and value
• Eligible receivables
• Inventory quality and turnover
• Equipment value
• Collateral location
• Existing liens
• Business financials
• Borrowing base
• Customer concentration
• Credit profile
• Appraisals or valuations
• Insurance
• Reporting capacity

Asset-based lending may provide more capacity than unsecured lending when a company has strong collateral, but it can require ongoing reporting, audits, collateral controls, borrowing-base certificates, and lender monitoring.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Asset-Based Lending” in your request.

This option may be suitable for retailers, wholesalers, distributors, manufacturers, importers, seasonal businesses, e-commerce brands, and companies purchasing inventory ahead of sales cycles.

Potential uses include

• Inventory purchases
• Seasonal inventory build
• Wholesale orders
• Importing goods
• E-commerce inventory
• Retail stock expansion
• Supplier deposits
• Bulk purchasing opportunities
• Launching new product lines
• Managing cash tied up in inventory

Potential qualification factors may include

• Inventory type
• Inventory value
• Turnover rate
• Gross margins
• Sales history
• Supplier reliability
• Purchase orders or demand indicators
• Storage and insurance
• Existing liens
• Business revenue
• Credit profile
• Financial statements
• Collateral controls

Inventory financing is different from ordinary working capital because the lender may look closely at inventory quality, resale value, obsolescence risk, margin, and the ability to convert inventory into cash.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Inventory Financing” in your request.

This option may be suitable for Amazon sellers, Shopify stores, marketplace sellers, direct-to-consumer brands, subscription businesses, online retailers, and digital product companies with measurable sales activity.

Potential uses include

• Inventory purchases
• Advertising and customer acquisition
• Supplier payments
• Fulfillment and logistics
• Marketplace growth
• Website or technology improvements
• Seasonal campaigns
• Product launches
• Cash-flow gaps
• Expansion into new channels

Potential qualification factors may include

• Monthly online sales
• Marketplace history
• Store data
• Bank statements
• Payment processor history
• Inventory needs
• Gross margins
• Refund/chargeback activity
• Customer acquisition cost
• Credit profile
• Time in business
• Supplier relationships

E-commerce funding may be reviewed using revenue data, marketplace performance, inventory needs, and advertising economics. Businesses should consider repayment pressure carefully because online sales can fluctuate.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “E-Commerce Funding” in your request.

This option may be suitable for physicians, dentists, chiropractors, medical spas, veterinary practices, physiotherapy clinics, optometrists, specialty clinics, and healthcare operators.

Potential uses include

• Practice acquisition
• Equipment purchases
• Clinic buildout
• Working capital
• Marketing and patient growth
• Technology systems
• Partner buyout
• Expansion to new locations
• Debt consolidation
• Renovations

Potential qualification factors may include

• Professional license
• Practice revenue
• Credit profile
• Time in practice
• Production or collections history
• Equipment value
• Lease or property details
• Patient volume
• Insurance/reimbursement profile
• Financial statements
• Tax returns
• Business plan

Medical and professional practices can be attractive to lenders due to recurring revenue and specialized demand, but licensing, reimbursement, lease, equipment, and practice performance must be reviewed carefully.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Medical Practice Financing” in your request.

This option may be suitable for law firms, accounting firms, engineering firms, consulting firms, insurance agencies, real estate brokerages, design firms, and other professional practices.

Potential uses include

• Hiring and payroll support
• Case costs or project costs
• Technology upgrades
• Office expansion
• Practice acquisition
• Partner buyout
• Marketing and client acquisition
• Working capital
• Debt consolidation
• Equipment and software

Potential qualification factors may include

• Practice revenue
• Receivables or work-in-process
• Credit profile
• Time in business
• Client concentration
• Professional licensing
• Financial statements
• Bank statements
• Existing debt
• Use of funds
• Partner/ownership structure

Professional practice financing may involve ordinary working capital, lines of credit, equipment leasing, acquisition financing, or receivables-based options depending on the firm and its cash-flow pattern.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Professional Practice Financing” in your request.

This option may be suitable for startups, pre-revenue companies, early-stage founders, new businesses with strong personal credit, companies with purchase orders, businesses with equipment needs, or founders seeking grants, investors, or strategic partners.

Potential uses include

• Credit-based startup funding
• Founder credit lines
• Equipment leasing
• Purchase order funding
• Grant and incentive review
• Investor readiness
• Strategic partner funding
• Prototype or product development
• Initial marketing
• Working capital planning

Potential qualification factors may include

• Founder credit profile
• Founder liquidity
• Business plan
• Revenue status
• Purchase orders or contracts
• Collateral or equipment needs
• Industry type
• Grant eligibility
• Investor readiness
• Use of funds
• Personal guarantee capacity
• Realistic repayment source

Many startups are not immediately fundable through traditional loans. The goal is to screen quickly, identify realistic paths, and avoid wasting time where the file does not meet current funding requirements.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Startup Funding Pathways” in your request.

This option may be suitable for companies involved in research and development, innovation, exporting, hiring, training, manufacturing, technology, energy efficiency, workforce development, or regional expansion.

Potential uses include

• Grant identification
• Program matching
• R&D tax credit support
• Export grants
• Hiring or training incentives
• Manufacturing incentives
• Innovation programs
• Energy-efficiency programs
• Government funding navigation
• Application readiness

Potential qualification factors may include

• Business location
• Industry
• Project type
• Eligibility criteria
• Timing/deadlines
• Eligible expenses
• Payroll or R&D activity
• Export activity
• Hiring/training plans
• Financial records
• Program documentation
• Compliance requirements

Grant and incentive support is not a guarantee of funding. Programs change frequently, deadlines apply, and eligibility depends on program rules, geography, timing, and documentation.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Grant and Incentive Support” in your request.

This option may be suitable for technology companies, manufacturers, product developers, AI companies, medical device businesses, software companies, and companies commercializing research.

Potential uses include

• Prototype development
• Product testing
• Commercialization
• Software development
• Regulatory work
• Patent development
• R&D payroll
• Manufacturing trials
• Pilot projects
• Innovation grants or tax credits

Potential qualification factors may include

• R&D activity
• Technical plan
• Commercialization pathway
• IP ownership
• Revenue or customer traction
• Grant/tax credit eligibility
• Founder/team experience
• Development milestones
• Budget
• Credit profile
• Collateral or contracts
• Investor readiness

Innovation financing may combine multiple paths, including grants, tax incentives, working capital, investor capital, equipment financing, receivables, or private credit.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “R&D and Innovation Financing” in your request.

This option may be suitable for patent holders, technology businesses, licensing companies, product businesses, software companies, and firms with commercializable intellectual property.

Potential uses include

• Commercializing IP
• Patent development
• Licensing strategy
• Growth capital
• Product launch
• Bridge capital
• Strategic partner introductions
• Investor readiness
• R&D support
• Acquisition or monetization planning

Potential qualification factors may include

• Patent or IP ownership
• IP valuation
• Licensing revenue
• Commercial traction
• Market size
• Legal status of IP
• Defensibility
• Revenue or contracts
• Credit profile
• Collateral
• Investor interest
• Exit or monetization plan

This is a niche category and may not be available for every company. Many IP-backed opportunities require specialized underwriting, valuation, legal review, and strong commercialization logic.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “IP-Backed / Patent-Backed Financing” in your request.

This option may be suitable for contractors, staffing companies, government vendors, service providers, installation companies, maintenance companies, and businesses with project-based revenue.

Potential uses include

• Mobilization costs
• Materials
• Payroll
• Supplier payments
• Project delivery
• Government contract support
• Large service contracts
• Installation projects
• Maintenance contracts
• Bridging to invoicing or payment

Potential qualification factors may include

• Signed contract
• Customer creditworthiness
• Scope of work
• Gross margin
• Delivery timeline
• Performance risk
• Business experience
• Financial capacity
• Insurance and bonding
• Purchase orders or invoices
• Payment terms
• Existing liens or assignments

Contract financing can be useful before receivables exist, but providers will typically evaluate contract quality, customer payment ability, margin, delivery risk, and whether the business can complete the work.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Contract Financing” in your request.

This option may be suitable for general contractors, HVAC companies, electricians, plumbers, roofers, renovation companies, civil contractors, and specialty trade businesses.

Potential uses include

• Materials and supplies
• Payroll between progress payments
• Mobilization costs
• Equipment and tools
• Vehicles
• Bonding or insurance support
• Project cash-flow gaps
• Supplier payments
• Growth into larger jobs
• Receivables or contract support

Potential qualification factors may include

• Contracts or purchase orders
• Customer quality
• Project pipeline
• Bank statements
• Revenue history
• Credit profile
• Licenses and insurance
• Equipment needs
• Receivables
• Margins
• Payment schedule
• Existing debt

Contractor financing may be structured through working capital, MCA, factoring, contract financing, equipment leasing, lines of credit, or asset-based lending depending on the contractor profile.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Construction Contractor Financing” in your request.

This option may be suitable for equipment sellers, software providers, contractors, consultants, manufacturers, service companies, agencies, commercial suppliers, and other vendors selling higher-ticket products or services.

Potential uses include

• Helping customers finance purchases
• Increasing close rates
• Larger transaction sizes
• Recurring referral relationships
• Equipment sales
• Software or service packages
• Commercial installations
• Consulting or implementation projects
• Manufacturing orders
• B2B growth partnerships

Potential qualification factors may include

• Vendor product or service
• Average transaction size
• Customer profile
• Financing need
• Sales process
• Documentation available
• Delivery timeline
• Refund/cancellation risk
• Customer credit/revenue
• Compliance language
• Referral workflow
• Partner agreement requirements

Vendor financing can be a strong revenue-generation model because one vendor relationship can create repeated financing opportunities rather than one-off borrower leads.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Vendor Financing Programs” in your request.

This option may be suitable when a buyer wants to purchase equipment, services, technology, installations, consulting, or other B2B offerings but prefers a financing structure instead of paying the full cost upfront.

Potential uses include

• Financing customer purchases
• Commercial installations
• Equipment packages
• Technology projects
• Service contracts
• Consulting engagements
• Software implementations
• Renovation or improvement projects
• Vendor-led sales
• Higher-ticket B2B transactions

Potential qualification factors may include

• Buyer credit profile
• Buyer revenue
• Invoice or proposal amount
• Vendor relationship
• Product/service details
• Delivery timeline
• Down payment
• Use of funds
• Business bank statements
• Ownership verification
• Contract or proposal
• Repayment ability

This option helps vendors close sales and helps customers access needed solutions. Structures may vary depending on whether the transaction is equipment-based, service-based, invoice-based, or working-capital-based.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Customer Financing / Point-of-Sale Business Financing” in your request.

The 37D Debt Financing, Restructuring and Consolidation Funding option is designed for businesses seeking to reduce cash-flow pressure, consolidate expensive obligations, or replace short-term debt with a more manageable structure where possible.

This option may be suitable for businesses with multiple cash advances, credit cards, vendor obligations, high-interest debt, tax obligations, or short-term loans that are creating pressure on daily or weekly cash flow.

Potential uses include

• MCA consolidation
• Credit card consolidation
• High-interest business debt refinance
• Vendor debt support
• Reducing payment pressure
• Replacing short-term debt
• Improving cash flow
• Stabilizing operations
• Creating a repayment plan
• Preparing for better financing later

Potential qualification factors may include

• Current debt schedule
• Payoff statements
• Business revenue
• Bank statements
• Credit profile
• Collateral availability
• Payment history
• Existing liens
• Cash-flow pressure
• Use of funds
• Tax or legal issues
• Realistic refinance capacity

Not every business will qualify for consolidation. The file must have enough revenue, credit, collateral, or provider support to justify a better structure. Businesses should carefully compare total cost, term, and cash-flow impact.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Debt Financing, Restructuring and Consolidation Funding” in your request.

This option may be suitable for businesses with CRA, IRS, payroll tax, sales tax, or other tax-related payment pressure, but it is not a substitute for legal, accounting, or tax advice.

Potential uses include

• Paying tax obligations
• Supporting payment plans
• Avoiding operational disruption
• Reducing urgent cash pressure
• Working capital during tax repayment
• Consolidating obligations where eligible
• Stabilizing cash flow
• Preparing for accountant or advisor review
• Managing deadlines
• Avoiding missed business obligations

Potential qualification factors may include

• Amount owed
• Tax authority correspondence
• Payment plan status
• Business revenue
• Bank statements
• Credit profile
• Collateral
• Existing liens
• Priority of obligations
• Accountant involvement
• Cash-flow forecast
• Use of funds

37D Capital does not provide tax advice. Applicants should consult qualified tax, accounting, or legal advisors regarding tax obligations, penalties, liens, and payment plans. Funding availability depends on underwriting and provider requirements.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Tax Obligation Support Funding” in your request.

This option may be suitable for larger projects, acquisitions, real estate opportunities, expansion plans, special situations, roll-ups, private lending scenarios, or companies seeking strategic capital.

Potential uses include

• Private credit
• Investor introductions
• Strategic partner introductions
• Larger real estate projects
• Acquisition capital
• Special situation financing
• Bridge capital
• Growth capital
• Roll-up strategies
• Project-level funding

Potential qualification factors may include

• Sponsor or management team
• Business or project plan
• Collateral
• Cash flow
• Return profile
• Risk profile
• Use of funds
• Exit strategy
• Financial statements
• Investor materials
• Valuation support
• Legal structure
• Compliance requirements

Private capital opportunities are selective. Introductions are not guaranteed, and any investor or private lender will conduct independent diligence, underwriting, legal review, and approval.

Availability depends on location, provider eligibility and underwriting. This information is a starting point, not an offer.

Mention “Private Credit / Investor Capital Introductions” in your request.