Why We Offer Capital and Lines of Credit, and What Makes Ours Different

Equipment financing is the core of what we do, but equipment financing only solves one kind of problem. It doesn't help a business that needs cash flow to bridge a slow month, cover payroll during a growth push, or take on a short-term project before the next invoice clears.

That is why we reached out to an old contact of ours and started offering capital and lines of credit.

With other lenders buying lists and pushing daily or weekly payment products to anyone who will answer the phone, we realized we needed to provide an alternative. Now when a client or referral comes to us, we are able to offer a product we believe in.

Where We Sit in the Market

There's a wide range of capital products out there, and the best way to describe ours is mid prime. We fall behind traditional bank terms. Banks can offer lower rates, but they also come with longer approval timelines, more documentation, and tighter qualification standards that leave a lot of businesses without access when they actually need it.

Our products sit in the space between that and the higher rate daily or weekly payment products that dominate a lot of the fast-capital market. We're not the cheapest option available, but we're built for businesses that need real access to capital without heavy documentation or high frequency payments and high rates.

The Working Capital Product

Our term working capital product goes up to $150,000, and qualification only requires three months of business bank statements. Payments are semi-monthly, there's a commitment fee that is taken from the loan proceeds, and the term and rate are clearly stated on the approval and documents.

A few things make this different from a lot of what's out there. It's truly amortized, with a principal payoff built into the structure, rather than a flat daily or weekly deduction. No discounts off the total payback if you pay it within a certain timeframe, and no complicated structure to remember.

That said, the tradeoff is a narrower credit window. We look closely at cash flow as part of the credit decision, not just the numbers on a bank statement. That means we're watching for excessive negative days, insufficient funds fees, and whether a healthy average daily balance is being maintained. This isn't a product for every business. It's a product for businesses with real, demonstrable cash flow that just haven't found a lender willing to work with their timeline or documentation.

The Line of Credit Program

The line of credit program shares nearly identical qualification standards to the working capital product. The difference is in how the capital gets used.

Instead of a lump sum, a line of credit lets you draw against an available balance as needed. That's a meaningful difference for a business trying to bridge a short cash flow gap or fund a short-term project without taking on more debt than the situation actually requires.

The biggest conversation we have around a line of credit isn't qualification, it's responsible use. Access to a line of credit is only useful if it's used well, and overleveraging is a real risk if draws aren't planned out. We talk through intended uses upfront, and we stay available to help strategize draws so the line gets used as a tool, not a crutch.

The Bottom Line

We offer capital and lines of credit because equipment financing doesn't cover every situation a business runs into. Our products sit between bank terms and the highest rate short-term options, with real underwriting behind them and a genuine effort to keep customers from overextending themselves. If cash flow is the challenge, not equipment, this is where we can help.

FAQ

How is this different from a merchant cash advance? Our working capital product is truly amortized with a fixed principal payoff, rather than a flat daily or weekly deduction. Rates and structure are also more competitive than most cash advance products, though qualification is somewhat narrower.

What disqualifies a business from these products? Cash flow issues are the biggest factor. Excessive negative days, frequent insufficient funds fees, or a low average daily balance can all affect qualification, even if the business otherwise looks healthy on paper.

Can a business have both a working capital loan and a line of credit at the same time? Unfortunately, this is an "either or" approval. In the instances we get an approval with both a term approval and a line of credit approval we can discuss which makes more sense.

Jared Holmes is the founder of Brilliance Funding Partners, where he helps business owners navigate the commercial lending landscape with confidence. With 10 years of hands-on experience in SBA lending, equipment financing, and working capital solutions, Jared focuses on asking the right questions and delivering financing strategies that make sense for each business. Connect with Jared for a personalized conversation about your options.