Complete directory
All 92 Funding Programs
Every business, commercial real estate, residential investment and industry-specific program Keystone arranges — searchable, filterable, and all reachable through a single application.
92 funding programs available
Merchant Cash Advance (MCA)A lump sum advanced against future card and deposit revenue, repaid as a small fixed percentage of daily sales.Full details →Business Term LoansA fixed amount at a fixed rate with predictable monthly payments over a set term.Full details →Business Lines of Credit (incl. Revolving)Revolving credit you draw on as needed and repay as revenue lands — interest only on what you use, and the limit replenishes.Full details →SBA LoansGovernment-guaranteed financing with the longest terms and lowest rates available to small business.Full details →SBA 7(a)The SBA's flagship program — up to $5 million for working capital, acquisition, refinance or real estate.Full details →
SBA ExpressA streamlined SBA path to $500,000 with a 36-hour SBA response instead of the standard review.Business
SBA 504Long-term, fixed-rate financing for owner-occupied real estate and heavy equipment.Full details →Bridge Loans (Business & Commercial)Short-term capital that carries you from where you are now to a defined exit.Full details →Asset-Based Lending (ABL)A facility sized against your receivables, inventory and equipment rather than your profit history.Business
Accounts Receivable FinancingBorrow against your open invoices while keeping ownership of the receivable and the customer relationship.Business
Invoice FactoringSell unpaid invoices at a discount for cash today instead of waiting 30, 60 or 90 days.Full details →Invoice FinancingA loan secured by your invoices — you keep collections in-house and your customers never know.Full details →Purchase Order FinancingSupplier costs paid directly so you can fulfil a large order you could not otherwise afford to take.Full details →Payroll FundingDedicated capital to make payroll on time when client payments and pay periods do not line up.Business
Supply Chain FinancingExtend your own payment terms while your suppliers still get paid early.Business
Contract FinancingCapital advanced against signed government or commercial contracts before the work is billed.Business
Inventory FinancingFunding to buy stock ahead of a season, using the inventory itself as collateral.Business
Vendor FinancingPrograms that let you offer your own customers payment terms without carrying the risk.Business
Franchise FinancingPurpose-built capital for franchise fees, build-out, equipment and initial working capital.Business
Startup Business LoansFinancing structured for companies under two years old, where the plan and the principals carry the weight.Full details →Business Acquisition LoansCapital to buy an existing business, a competitor, or a partner's stake.Full details →Refinancing (Business Debt)Replace expensive or short-dated debt with a longer, cheaper facility.Business
Debt Consolidation (Business)Roll multiple advances and loans into one payment with one date and one rate.Business
Equipment FinancingBuy machinery, vehicles or technology with the equipment itself serving as the collateral.Full details →Equipment LeasingUse the asset without owning it, with lower payments and an option to buy at the end.Full details →Equipment RefinancingPull cash out of equipment you already own free and clear.Full details →Software FinancingSpread enterprise software, licensing and implementation costs over the life of the deployment.Business
Sale-Leaseback FinancingSell an asset you own for cash, then lease it back and keep operating without interruption.Business
Personal / Business Credit CardsStacked 0%-intro-APR card lines — often the cheapest capital available to a newer business.Business
Venture DebtNon-dilutive debt for venture-backed companies that extends runway between equity rounds.Business
Private Equity / Joint Venture FundingEquity partners and JV capital for projects too large or too early for conventional debt.Business
Mezzanine FinancingA hybrid layer that sits between senior debt and equity to complete a capital stack.Business
Project FinancingFunding underwritten against the economics of a specific project rather than the parent balance sheet.Business
Mobilization FinancingUp-front capital for contractors to staff, equip and start a newly awarded job.Business
Export FinancingWorking capital and receivable coverage for goods sold to overseas buyers.Business
Materials Financing (Contractors)Extended terms on job materials so you are not fronting a project out of pocket.Business
Energy & Commodity FinanceStructured capital for energy projects, commodity trades and offtake agreements.Business
Distressed Asset / Note FinancingCapital to acquire non-performing notes and distressed assets at a discount.Business
Transactional FundingSame-day capital for a simultaneous A-to-B / B-to-C double closing.Business
Gap FundingThe last slice of a capital stack when your primary lender leaves you short.Business
Express Business LoansA minimal-documentation product built purely for speed.Business
Bank Loans (Traditional)Conventional bank credit for established, well-documented, profitable companies.Business
Non-Recourse Business LendingFinancing where the collateral stands alone and no personal guarantee is required.Business
Commercial Real Estate LoansAcquisition and refinance debt for office, retail, industrial, mixed-use and special-purpose property.Full details →Commercial Construction LoansGround-up commercial development funded on an inspected draw schedule.Full details →New Construction LoansBuild-to-sell and build-to-rent financing covering land, hard costs and soft costs.Full details →Bridge Loans (Real Estate)Interest-only capital for 6–36 months while you stabilise, lease up or sell.Full details →DSCR Loans (Long-Term Rental)Qualification based on the property's rent-to-debt ratio — no tax returns, no income docs.Full details →Fix & Flip / Purchase & Rehab LoansPurchase plus renovation capital in one facility, with rehab released as draws.Full details →Rental Property LoansLong-term financing for single-family and small multifamily rentals held for cash flow.Full details →Portfolio LoansOne loan across multiple properties, underwritten as a single pool with a single payment.Commercial RE
Multifamily Loans5-unit-and-up apartment financing — agency, bridge, bank and private capital.Full details →Mixed-Use Property LoansFinancing for buildings that combine ground-floor commercial with residential above.Commercial RE
Commercial Land LoansAcquisition capital for raw, entitled or infill land ahead of development.Commercial RE
Permanent FinancingThe long-term, fully amortising debt that takes out your construction or bridge loan.Commercial RE
Hard Money LoansAsset-first private lending that closes in days when the opportunity will not wait.Full details →Private LendingDirect capital from private balance sheets, with terms negotiated deal by deal.Full details →Mezzanine Real Estate LoansSubordinate debt that raises total leverage without giving up ownership.Commercial RE
Acquisition & Development LoansCombined land purchase and horizontal-improvement financing for subdivisions and pads.Commercial RE
Refinance (Commercial & Investment)Replace maturing, expensive or misstructured debt with better terms.Commercial RE
Cash-Out RefinancePull trapped equity out of property you already own and redeploy it.Full details →Blanket MortgagesA single mortgage secured by several properties, with release clauses as you sell.Commercial RE
Second MortgagesSubordinate liens that access equity without disturbing a good first mortgage.Commercial RE
Stated Income LoansAsset- and cash-flow-driven underwriting for borrowers whose returns understate their income.Commercial RE
Full Documentation LoansConventionally underwritten loans that reward complete files with the best pricing.Commercial RE
Foreign National LoansUS property financing for borrowers without US credit history, SSN or tax returns.Commercial RE
International LoansCross-border financing for assets and sponsors outside the United States.Commercial RE
Cross-Collateralized LoansPledge equity in one property to raise proceeds on another.Commercial RE
1031 Exchange FinancingDebt structured and timed to satisfy like-kind exchange deadlines and replacement-debt rules.Commercial RE
Distressed Borrower / Foreclosure BailoutEmergency refinance capital that stops a foreclosure clock and buys time to reorganise.Commercial RE
Equity Financing (Real Estate)Joint-venture and preferred equity for sponsors who need more than debt allows.Commercial RE
Remodel / Renovation LoansCapital for value-add renovation on property you already own or are acquiring.Full details →Green Energy LoansFinancing for solar, HVAC, envelope and efficiency retrofits, including C-PACE structures.Commercial RE
CRA Debt FinancingCommunity Reinvestment Act-eligible debt for projects in qualifying census tracts.Commercial RE
Property Loans & MortgagesConventional mortgage products across investment and owner-occupied property.Commercial RE
Exposure Line of Credit (Real Estate)A pre-approved revolving line you draw on to close deals without re-underwriting each one.Commercial RE
Residential Investment LoansPurchase and refinance financing for 1–4 unit residential property held as an investment.Full details →Landlord LoansLong-term hold financing for landlords, qualified on rent rather than personal income.Full details →Primer LoansEntry-level investor financing for first- and second-time buyers building a track record.Residential
Auction LoansCertified, fast-close capital that meets courthouse and online auction settlement deadlines.Full details →Mobile Home Park FinancingAcquisition and improvement capital for MHP communities, pad-rent or park-owned.Residential
Self-Storage FinancingPurchase, construction and expansion debt for self-storage and flex facilities.Residential
Data Center FinancingCapital for colocation, edge and enterprise data centre development and acquisition.Residential
Church Real Estate FinancingPurchase, construction and refinance loans for congregations and faith-based organisations.Residential
Container Home FinancingConstruction and permanent financing for shipping-container and modular residential builds.Residential
A-Frame / Tiny Home FinancingLending for tiny homes, A-frames, cabins and short-term-rental alternative dwellings.Residential
Agriculture FinancingOperating lines, equipment and land capital timed to planting, harvest and sale cycles.Industry
Healthcare FinancingPractice acquisition, equipment, expansion and working capital secured by insurance receivables.Full details →Freight FactoringSame-day payment on delivered loads instead of waiting 30–60 days on broker settlement.Full details →E-Commerce FinancingInventory and ad-spend capital repaid from marketplace and processor deposits.Industry
Real Estate Secured Business LoansBusiness capital at real-estate pricing, secured by property you already own.Industry
Fixed Revenue FinancingCapital advanced against contracted, recurring revenue such as subscriptions or service agreements.Industry
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This list covers our standard programs, but structured and bespoke transactions happen constantly. Describe what you are trying to accomplish and an advisor will tell you whether there is a path.