WORKING CAPITAL
High Balance Cards
Two card programs underwritten on your personal credit.
- Personal Card — no business history required; best for startups, first-time buyers, and search funders.
- Business Card — requires 12+ months operating history; builds business credit and keeps expenses separate.
Qualification: 700+ middle FICO, under 40% utilization, $50k+ annual income, fewer than 5 hard inquiries in the last 6 months.
WORKING CAPITAL
Personal & Business Term Loans
Lump sum capital with a fixed repayment schedule.
- Personal Loan — funded to your personal account; useful for acquisition deposits or cash at closing.
- Business Loan — funded to your business account; for equipment, expansion, or specific capital needs.
Qualification: 700+ middle FICO, under 40% utilization, $50k+ annual income, sufficient capacity to support debt service.
WORKING CAPITAL
ABL Revolving Line of Credit
Asset-based working capital for established operating companies.
How it works
- Revolving credit secured by accounts receivable and inventory
- Borrowing base calculated from eligible collateral
- Flexible draws tied to your operating cycle
- Field exams and periodic collateral monitoring
Fit criteria
- $10M+ annual revenue
- AR and inventory totaling $5M+
- Audited or reviewed financial statements
- Demonstrated business cash flow