Financing
Private Credit
Directly negotiated capital for profitable, established businesses — sized and structured to the opportunity rather than a rate card. Secured by your assets or cash flow, with terms built around the move you're making. Approval can come in as fast as 24 hours, and funding can follow as soon as 7 days.
Key terms
The facts, up front.
- Approval range
- $250,000 – $10,000,000
- Term
- 1 – 5 years
- APR
- From 9.45% (custom, deal-based)
- Structure
- Custom — asset- or cash-flow-secured
- Funding speed
- As soon as 7 days (approval as fast as 24 hrs)
- Credit pull
- Soft to pre-qualify · hard at closing
- Typical fit
- 600+ FICO · 2+ years · $1M+ revenue
The true cost
Estimate your payment
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
Estimated monthly payment
$48,014
Total repaid
$1,728,517
Total interest
$228,517
APR
9.45%
Illustrative — not an offer. Rates as of September 2, 2026.
A strong fit when
- Time-sensitive moves — an acquisition, a buyout, a major build-out — that need capital structured fast
- Established, profitable businesses that have outgrown standard small-business products
- Deals where the right structure matters more than a rate card — secured by assets or cash flow
Probably not when
- Early-stage or pre-revenue businesses without an operating track record
- Smaller, standard needs where a term loan or line of credit is simpler and cheaper
- Owners who can't show consistent cash flow or pledgeable assets
How the process actually works
This is relationship-driven, not rate-card lending. We work with our private-credit partners to structure the facility around your assets, cash flow, and the deal in front of you.
Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.
Questions
Private Credit, answered.
- Pricing is custom and deal-dependent; 9.45% APR is the lowest available floor and your rate will reflect your profile, collateral, and structure.
- Larger, custom-structured facilities — not all applicants qualify. Facilities are arranged through our private-credit partners.
Private Credit
See if this is your best option.
One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.