Each product is built around a different financial profile, time horizon, and use case. The application is the same for all of them — submit once, we route you to whichever fits.
Revenue-based capital. The cash hits before the next morning's deposit settles, and remits come out automatically as a fixed daily or weekly draw.
Apply for Daybreak →| Funding range | $5,000 — $500,000 |
| Term | 3 — 18 months |
| Buy rate | 1.18 — 1.49 |
| Time in business | 6+ months |
| Monthly revenue floor | $15,000 |
| FICO floor | 500 |
| Origination fee | 2.49 — 4.99% |
| Time to wire | as fast as 4 hours |
Fixed-rate amortizing capital for businesses that have crossed the line from "starting up" to "scaling up." Monthly ACH, no prepayment penalty after month six.
Apply for Cornerstone →| Funding range | $25,000 — $2,000,000 |
| Term | 12 — 60 months |
| APR range | 8.9% — 24.9% |
| Time in business | 2+ years |
| Annual revenue floor | $240,000 |
| FICO floor | 660 |
| DSCR target | ≥ 1.20x |
| Decision time | 2 — 3 business days |
A real revolving line of credit — not a "draw and refinance" product. Pay interest only on the outstanding balance. Replenishes as you repay.
Apply for Open Vault →| Line size | $10,000 — $1,000,000 |
| Draw fee | 1.5% — 2.5% |
| Interest (on drawn) | Prime + 4.5% to +12% |
| Time in business | 1+ year |
| Annual revenue floor | $120,000 |
| FICO floor | 625 |
| Repayment | 6 or 12 mo, weekly |
| First draw available | 48 hours after approval |
Asset-collateralized capital for the moment between "we just closed the deal" and "the permanent loan funded." Ideal for acquisitions, partner buyouts, and real estate take-out.
Apply for Bridge →| Funding range | $50,000 — $5,000,000 |
| Term | 1 — 24 months |
| Rate | 10.99% — 18.99% |
| Max LTV | 75% (RE), 60% (other) |
| Origination | 2 — 4 points |
| Repayment | interest-only, balloon |
| Collateral | CRE, equipment, AR |
| Close timeline | 5 — 10 business days |
The Small Business Administration's flagship 7(a) program, processed in-house by our PLP team. Use proceeds for working capital, debt refi, equipment, real estate, or acquisitions.
Apply for SBA 7(a) →| Funding range | $100,000 — $5,000,000 |
| Term | 10 yr (WC) · 25 yr (RE) |
| Rate | Prime + 2.25% to +2.75% |
| Down payment | 10 — 15% |
| SBA guaranty fee | 0% — 3.75% (size-based) |
| FICO floor | 680 |
| Time in business | 2+ years (or strong projections) |
| Avg time to close | 38 days (industry: 75) |
SBA's 504 program for owner-occupied commercial real estate. 25-year fully-amortizing fixed rate on the CDC portion. The cheapest long-term capital your business will ever touch.
Apply for 504 →| Project size | $250,000 — $5,500,000 |
| Bank / CDC / Equity split | 50 / 40 / 10 |
| CDC term | 25 yr fixed |
| CDC effective rate | ~6.4% (Mar 2026) |
| Owner occupancy | ≥ 51% required |
| Use of proceeds | purchase, build, refi |
| FICO floor | 680 |
| Avg time to close | 52 days |
100% LTV financing on the truck, kitchen line, CNC machine, dental chair, or rooftop HVAC unit. Soft costs (delivery, install, training) wrapped in. Section 179 + bonus depreciation eligible.
Apply for Equipment →| Funding range | $10,000 — $1,500,000 |
| Term | 24 — 84 months |
| Rate | 7.4% — 19.9% |
| LTV | up to 100% |
| Soft cost rollin | up to 25% |
| First payment | deferred 30/60/90 avail. |
| FICO floor | 600 |
| Time to fund | vendor paid in 24h |
Invoice factoring for B2B and government contractors with creditworthy customers. We advance up to 95% of approved invoices, same day. Both recourse and non-recourse facilities available.
Apply for Factoring →| Facility size | $25,000 — $10,000,000 |
| Advance rate | 80% — 95% |
| Discount fee | 0.5% — 3.5% / 30 days |
| Industries | trucking, staffing, gov |
| Recourse | recourse · non-recourse |
| Setup time | 5 — 7 days |
| FICO check | soft (your customers' credit drives approval) |
| Daily funding cutoff | 3:00 PM ET |
A revolving credit facility against a borrowing base of AR, inventory, and machinery. For middle-market businesses with high working-capital intensity or seasonal swings.
Apply for ABL →| Facility size | $250,000 — $10,000,000 |
| Borrowing base advance | 85% AR · 50% Inv · 75% M&E |
| Rate | SOFR + 3.5% to +6.5% |
| Term | 2 — 3 yr revolving |
| Reporting | monthly BBC |
| Annual revenue floor | $3,000,000 |
| FICO floor | 650 |
| Time to close | 21 — 35 days |
Same business, same dollar amount, three different products. The point isn't which is cheapest — it's which fits your cash cycle. Your underwriter walks you through the trade-offs on a 15-minute call.
All figures are illustrative as of March 2026 and assume a representative borrower. Actual rates and structures depend on credit profile, time in business, debt service coverage, collateral, and capital partner availability. Past pricing not indicative of future offers.