Money for the move you've been putting off.
The second location, the walk-in freezer, the slow season bridge. We broker several funding sources and tell you plainly what each one costs, because funding is exactly where bad fine print lives.
Talk through my funding optionsHow we set this up
Funding offers find every business owner eventually, usually as a too-good email promising money by Friday. Some products are genuinely useful. Some cost far more than their marketing admits. The difference is in the structure, and structure is exactly what a broker reads for a living.
The honest hierarchy: fixed-term loans cost less but want credit history and steady payments. Revenue-based advances cost more but flex with your sales and fund fast. Equipment financing secures against the thing you're buying. Nonprofit microloans are the budget option when timelines allow.
We sit on your side of this table too: we'll run the real total cost of any offer, including ones you bring us from elsewhere, before you sign anything.
What we carry
ARF Financial
Fixed-term loansBank-backed business loans with fixed weekly payments, from $5K up to $1.5M, often funding within a week.
- Fixed payments you can budget around
- 12 to 36 month terms
- Revolving line options
- Accessible credit requirements
Best for: Established businesses that want predictable payments and a real loan structure.
Cash Buoy
Revenue-basedAdvances from $2.5K to $250K repaid as a slice of daily sales, so payments shrink when business is slow.
- Payments flex with your revenue
- No minimum credit score requirement
- Fast approval on 3+ months of history
- Funds in days, not weeks
Best for: Card-heavy businesses that need speed and flexibility more than the lowest rate.
SURV
Equipment & larger dealsEquipment financing and business lending from $10K to $5M through a network of direct lenders.
- Finance the oven, the truck, the buildout
- Larger facilities for expansion projects
- Multiple lenders bid your deal
- Consumer financing programs too
Best for: Equipment purchases and growth projects beyond typical advance sizes.
EPI Capital
Nonprofit microloansA nonprofit lending program: up to $50K at gentle terms with a grace period, for businesses that can wait for approval.
- Up to $50K with a 3-month grace period
- Nonprofit pricing, not market pricing
- Built for early-stage businesses
- Approval takes weeks, not days
Best for: Newer businesses with a little runway who want the lowest-cost capital available.
Fast money has a price tag. Our job is making sure you read it before you take it.
Revenue-based advances quote a factor rate instead of an interest rate, and the difference hides real cost. Sometimes the speed is worth it; a missed busy season costs more than financing. But that's a calculation, not a feeling, and we'll run it with you in plain numbers.
Fair questions
How fast can funding land?
Revenue-based advances can fund in days. Fixed-term loans typically take about a week. Nonprofit microloans take weeks. Speed and cost trade against each other almost perfectly.
What's a factor rate?
Advance pricing written as a multiplier, like 1.3x, meaning you repay $1.30 per dollar advanced. Translated to an annual rate it's usually higher than it sounds, which is exactly why we translate it for you first.
Will shopping for funding hurt my credit?
Initial reviews typically run on soft pulls. We'll flag exactly when a hard inquiry would happen before it does.
Do I need to process cards with you to get funding?
No. Funding stands alone, though card-volume history is often what qualifies you, and clients we process for have it documented automatically.
Can you review an offer I got somewhere else?
Yes, and you should take us up on it. Ten minutes of reading fine print has saved clients from genuinely bad paper.
What will I qualify for?
It depends on time in business, revenue and what the money is for. The conversation is free and you'll leave it with real numbers, not a sales pitch.