Business Term Loan
A fixed amount with fixed payments and a defined end date — the straightforward option for a planned investment.
$10,000 – $15 million · 1 – 25 years
Financing products
Each product below has its own page and its own application. If your situation sits between two of them, say so on the inquiry — most do.
Working Capital Loan
Covers payroll, inventory and seasonal gaps — money for operating the business rather than expanding it.
$10,000 – $1 million · 3 – 24 months
Business Line of Credit
A revolving facility you can draw against repeatedly. Interest accrues only on the balance you actually carry.
$10,000 – $5 million · Revolving, typically renewed annually
Merchant Cash Advance
Not a loan — a purchase of future receivables. Repayment moves with your daily card volume rather than a fixed date.
$5,000 – $500,000 · Typically 3 – 18 months, variable with sales
Equipment Financing
Purchase or refinance the equipment your operation runs on, with the equipment itself as collateral.
$10,000 – $5 million · 2 – 10 years, matched to the asset
Invoice Factoring
Sell outstanding receivables at a discount instead of waiting 30, 60 or 90 days for payment.
Advances of roughly 80–90% of invoice value · Per invoice, on 30/60/90 day cycles
Receivables & Inventory Line
An asset-based revolving facility secured by accounts receivable, inventory, or both.
$50,000 – $5 million · Revolving, renewable annually
Commercial Real Estate Loan
Purchase, refinance or improve owner-occupied commercial property on a term that does not end in a balloon.
$250,000 – $15 million · 10 – 25 years, fully amortising
How it works
Four steps, and a person reads every inquiry that comes in.
Inquiry
Tell us the amount, what the funds are for and when you need them. A few minutes, no credit pull.
Review
A person reads every inquiry and comes back to you directly, either with questions or with next steps.
Structure
We work through collateral, structure and terms against what the deal will actually support.
Close
Documentation and funding, coordinated with your counsel and any participating lender.
What it generally takes to qualify
Guidelines rather than hard cut-offs. Products vary, and commercial real estate and larger term loans are underwritten more closely than short-term working capital.
- At least one year in business
- Around $15,000 or more in monthly revenue
- A credit score of roughly 500 or better
What speeds things up
- Recent business bank statements, financials or tax returns
- A summary of any collateral, property or equipment involved
- Your intended use of funds and the timeline you are working to
- Existing debt, liens and any payoff figures
Not sure which product fits?
Start a general inquiry and describe the situation. We will point you at the right structure rather than the fastest one to close.
Prefer email? info@cradlecapital.com
Tell us about your financing need
No cost, no obligation, and no credit pull to make an inquiry.
Contact us