1. Home Equity Line of Credit

The smartest money you can get.

If you own your home, this is the best funding option on the table, period. Rates starting at 8%, up to $750,000, funded in a matter of days, with terms up to 30 years.

Compared to a merchant cash advance costing you 40–50% effective, it's not even close. Owners use it to wipe out expensive MCA debt entirely and free their cash flow overnight. This is where we start — because if you qualify, nothing else comes close. (Requires home ownership.)

2. Term Loans & Lines of Credit

Real financing, real terms.

For established businesses with steady revenue, we access actual bank and credit-union financing — term loans and lines of credit with structured monthly payments you can plan around, not daily hits draining your account.

This is the capital most brokers can't offer, because they only know one product: the advance. We work differently. If your time in business and revenue support it, this is real, affordable money.

3. The TLC Program

Your path out — and your path up.

Buried under multiple advances? Can't qualify for the above yet? This is how you get there. Our Transitional Liquidity & Consolidation (TLC) Program consolidates your existing advances into one structured payment — freeing up 30–40% of your weekly cash flow, often the same week. It stops the bleeding immediately.

But here's what makes it different from just another consolidation: it's built as a bridge to real financing. As you stabilize and rebuild, the TLC path is designed to convert into an actual term loan — the affordable, long-term money you couldn't qualify for while you were buried.

You're not just getting relief. You're getting on a path to the products above. Most business owners drowning in advances start here — and it's the smartest first move they make.

What You'll Need to Pre-Qualify

• 6 months of business bank statements
• Current payoff/balance for each active position
• Owner ID + voided check

Key Benefits

• Immediate cash-flow relief
• No interruption to your deposits
• A clear structure that builds toward real term financing
• No credit impact to pre-qualify