Questions we hear most.

Most initial consultations are completed within a single 20–30 minute call. If your situation is a fit, we typically present facility recommendations within 2–5 business days of receiving your documentation. The entire process from first conversation to funded facility averages 2–4 weeks depending on complexity.

A senior advisor — not a sales rep — will reach out within one business day to schedule a call. During that call we'll discuss your revenue, industry, and capital needs to determine whether we can add value. If there's a fit, we'll outline next steps and the documentation we need to move forward.

Timeline depends on the facility type. Revenue-based facilities and lines of credit can fund in as few as 3–5 business days. Asset-based lending and equipment financing typically close within 1–3 weeks. SBA loans and more complex structures may take 30–90 days. We'll give you a realistic timeline during our initial call.

No. There is no formal application to start a conversation. Submit the consultation form or call us directly — we'll have an advisory call first to understand your situation. If we move forward, we'll handle the documentation process together step-by-step.

We start with your operating context — revenue model, cash conversion cycle, industry, and what you need the capital for. From there we match against our network of capital partners to find the facility type, term, and structure that aligns with how your business actually generates and uses cash. There's no default product we push.

In most cases, yes. Working capital facilities, lines of credit, and revenue-based financing can be used for payroll, inventory, marketing, hiring, or general operations. Some facilities — like equipment financing or purchase order financing — are tied to specific use cases by design. We'll clarify any restrictions upfront.

Bank loans typically require extensive documentation, perfect credit, and 60–90+ day timelines. Our capital partners focus on business performance, revenue trajectory, and asset quality — not just credit scores and collateral. Facilities are structured around how your business actually operates, with faster approvals and more flexible repayment terms.

Yes. Several of our facility types — including lines of credit, factoring, and asset-based lending — are revolving by nature. As you pay down or as receivables are collected, capital becomes available again without re-applying. This is one of the key advantages over term-based products for businesses with ongoing capital needs.

No. We are a private credit advisory firm. We work with a curated network of capital partners — including specialty lenders, private credit funds, and institutional sources — to match your business with the right facility. This gives you access to a broader range of options and more competitive terms than going to a single lender directly.

Our headquarters are at 268 Broadway, Suite 201, Saratoga Springs, NY 12866. We work with businesses across the United States and conduct most consultations by phone or video. If you're local to the Capital Region, in-person meetings are available by appointment.

We work across a wide range of sectors including construction, manufacturing, transportation, healthcare, retail, restaurants, and professional services. Our advisory approach is industry-aware — we understand the cash flow dynamics, seasonal patterns, and margin profiles specific to each vertical.

Online lenders offer a single product with automated underwriting and limited flexibility. We take the opposite approach: a senior advisor reviews your situation, recommends the best-fit facility from multiple capital sources, and negotiates terms on your behalf. You get human guidance, broader options, and a partner who stays involved after funding.