We help businesses secure the capital they need to operate, cover expenses, and scale — from an unsecured business line of credit and working-capital loans to startup & small-business funding.
Whether you have strong credit, steady revenue, or assets to leverage, there's likely a funding path for you. We help you find it and apply with confidence.
There may be options you've never heard of. We match you to the funding that fits what your business has today — strong credit, cash flow, or collateral.
If you have strong personal credit
Flexible, revolving capital with no collateral required — draw what you need, repay, and reuse. A "credit-line hybrid" built on your personal credit strength.
If you have provable revenue & cash flow
Funding based on your monthly revenue — fast, with minimal paperwork. Great when you need capital quickly to operate or grow.
Turn unpaid invoices into working capital instead of waiting 30–90 days for customers to pay.
An advance against future card sales — ideal for businesses with steady credit-card processing volume.
If you can pledge collateral
Finance the equipment your business runs on, using the equipment itself as collateral.
Purchase, refinance, or cash-out on commercial property — including conventional, bridge, and hard-money options.
Borrow against the value of your existing inventory to free up cash for growth.
Use eligible retirement funds to capitalize your business — without the standard early-withdrawal penalties. [[ Confirm structure & tax/legal review (ROBS). ]]
If you have credit, cash flow & collateral
Government-backed financing with long terms and competitive rates — for working capital, real estate, and acquisitions (7(a), 504, CAPLines).
A lump sum up front repaid over a set term — for established businesses with solid financials ready to invest in growth.
New or growing? We help you pursue startup funding and working capital to launch, stock up, hire, and scale.
Amounts, rates, and timelines shown are typical industry ranges for illustration only — not offers or guarantees. Actual products, terms, and approval are determined by third-party lenders. Focus Financially is not a lender.
Lenders look for the ability and willingness to repay. Most approvals come down to three things — and you only need to be strong in one to have options.
Strong personal or business credit unlocks unsecured options like a business line of credit. Newer or lower credit? We can help you build business credit first, then revisit funding.
Consistent revenue can qualify you for revenue-based financing, invoice financing, or a merchant cash advance — often with lighter credit requirements.
Equipment, real estate, inventory, receivables, or retirement funds can secure larger amounts and better terms — even when credit isn't perfect.
A quick look at common options. Figures are typical ranges for illustration — not offers. [[ confirm ]]
| Financing type | Best for | Typical amount | Credit needed | Speed |
|---|---|---|---|---|
| Unsecured Line of Credit | Strong personal credit | Up to $150K | Good | Days |
| Revenue Financing | Steady monthly revenue | Up to $500K | Lower OK | ~72 hrs |
| Invoice / A-R Financing | B2B with receivables | $10K–$10M+ | Lower OK | Days |
| Merchant Cash Advance | Card-sales businesses | Based on volume | Lower OK | Days |
| Equipment Financing | Buying equipment | Up to $10M | ~640+ | 24–48 hrs |
| Commercial Real Estate | Property purchase/refi | $100K–$20M | Good | Weeks |
| SBA Loan | Best rates & long terms | Up to $5M | Strong | Weeks |
| Term Loan | Established businesses | Varies | Good–Strong | Days–weeks |
Whether you're launching your first venture or running an established small business, the right funding can be the difference between standing still and growing. We help everyday entrepreneurs access capital they might not know they qualify for.
We learn about your business, your goals, and how much capital you're looking for.
We help you understand the funding and line-of-credit options you may qualify for.
We guide you through preparing and submitting a strong application.
Once approved, you put your funding to work and grow your business.
Tell us about your business and we'll help you explore the funding and lines of credit you may qualify for. No obligation, no impact to start.
We've received your funding request and will reach out shortly. For anything urgent, call (347) 404-5753.
Your information is kept private and used only to evaluate and discuss funding options. Submitting this form does not guarantee approval.
Lenders look closely at credit. That's our advantage: we can help you strengthen your personal and business credit first, then put it to work to pursue better funding and terms — all under one roof.
Explore Business Credit RepairBook a free funding consultation and find out what your business may qualify for — with no obligation.
Funding disclaimer: Focus Financially is not a lender and does not issue loans or lines of credit. We assist businesses in understanding and applying for funding options. All funding and lines of credit are provided by third-party lenders and are subject to their approval, terms, and eligibility criteria. Approval, amounts, and rates are not guaranteed and vary by applicant. [[ Confirm final funding/lending disclaimer and any licensing requirements with legal counsel. ]]
Credit repair results vary by individual and are not guaranteed. You have the right to dispute inaccurate information on your own credit reports for free, and to cancel a credit repair service agreement in accordance with the federal Credit Repair Organizations Act (CROA) and applicable state law.