The capital your business needs, from the one program that actually fits it.
Ninety-two funding programs under one roof — merchant advances that fund today, SBA loans that stretch twenty-five years, and every kind of real estate debt in between. One application. A soft credit pull. An advisor who tells you the truth about which option is right.
Answer three questions. We will tell you which program fits.
Most people arrive knowing they need money and not much else. That is completely normal — the shape of the problem determines the product, and the shape is what this tool is for.
- It takes about fifteen seconds and asks for no personal information at all.
- The recommendation is real — it maps to an actual program with actual terms you can read before you talk to anyone.
- You are not committing to anything. Nothing here starts an application.
Whatever you are funding, there is a program built for it
From a single truck to a ninety-unit apartment complex, from next Friday's payroll to a twenty-five-year mortgage on the building you operate from.
43 programs
Business Financing
Capital for payroll, inventory, equipment, expansion, acquisition and everything in between — from same-day advances to 25-year SBA money.
- Merchant Cash Advance (MCA)
- Business Term Loans
- Business Lines of Credit (incl. Revolving)
- SBA Loans
- SBA 7(a)
33 programs
Commercial & Investment Real Estate
Acquisition, construction, bridge, rehab, refinance and permanent debt for income-producing property in every asset class.
- Commercial Real Estate Loans
- Commercial Construction Loans
- New Construction Loans
- Bridge Loans (Real Estate)
- DSCR Loans (Long-Term Rental)
10 programs
Residential & Specialty Real Estate
Investor residential, plus the niche asset classes most lenders will not touch — storage, mobile home parks, data centres, churches and alternative dwellings.
- Residential Investment Loans
- Landlord Loans
- Primer Loans
- Auction Loans
- Mobile Home Park Financing
6 programs
Specialty & Industry-Specific
Capital built around how a particular industry actually earns — farm cycles, insurance reimbursement, freight settlement, marketplace payouts.
- Agriculture Financing
- Healthcare Financing
- Freight Factoring
- E-Commerce Financing
- Real Estate Secured Business Loans
Four steps, and only one of them is yours
You fill in a short form. We do the rest — the shopping, the packaging, the back-and-forth with underwriters, the part nobody enjoys.
Tell us what you need
One short application — about four minutes. No documents required to start, and the credit check is a soft pull that leaves your score untouched.
We match you to real programs
Your file goes to the lenders whose credit box actually fits your profile, not to a mass blast. Most clients see options within 24 hours.
Compare offers side by side
Amount, rate, term, payment, fees and total cost — laid out plainly, with an advisor who will tell you which one they would take and why.
Fund and get back to work
Sign electronically. Depending on the program, money lands the same day or after a standard closing process.
A broker's job is to know which door to knock on
We are not a bank. We are the people who know which of the ninety-two doors is the right one for your specific situation — and who will tell you when the answer is "none of them, not yet."
92 programs, not one product
A direct lender can only offer you what they sell. Because we place files across a network of banks, funds and private capital, the recommendation you get is the one that fits — including the recommendation to wait, or to take a cheaper product than you asked for.
Speed when speed is the whole problem
Merchant advances and express facilities can fund the same day. Hard money closes in as little as 72 hours. When a deal or a payroll has a deadline, the product that arrives on time is the only product that matters.
A soft pull, and nothing you did not agree to
Reviewing your options costs nothing and does not touch your credit score. A hard inquiry only happens after you have seen real terms in writing and told us to proceed.
Straight answers, including the unwelcome ones
If a merchant cash advance would hurt you, we will say so. If your file needs ninety days of work before it is worth submitting, we will tell you that instead of taking a shot at expensive money.
One application instead of fifteen
Applying to lenders individually means fifteen forms, fifteen hard inquiries and fifteen sales calls. One file with us reaches all of them and protects your credit while it does.
Advisors who work one desk
The person who handles your SBA file works on SBA files. The person structuring your construction draw schedule has done it hundreds of times. Nobody here is reading from a script they learned last week.
Most funding problems are timing problems wearing a costume
Businesses rarely fail because they were unprofitable. They fail because money went out before money came in, and nobody bridged the gap.
A staffing company pays its people every Friday and gets paid by its clients every sixty days. A contractor buys materials in March and gets paid in September. An importer wires a factory in August for goods that sell in December. None of these are broken businesses. They are businesses with a shape, and the job of financing is to match that shape rather than fight it.
That is why we ask what you are trying to do before we tell you what we have. A merchant cash advance and an SBA loan are both correct answers — to entirely different questions.
What it looks like when the structure is right
We had a signed contract with a hospital system and 74 days of payroll before the first invoice would be paid. Keystone had a factoring line open in four days. That contract is now 40% of our revenue.
Denise R.Medical staffing · OhioThree advances stacked on top of each other and $1,900 a day going out the door. They consolidated everything into one SBA loan at a monthly payment. First time in a year the business could breathe.
Marcus T.Commercial HVAC · GeorgiaI needed to close a foreclosure auction in nine days. Everyone told me it was impossible. Funded in six, and I refinanced into a DSCR loan ninety days later exactly like they mapped out at the start.
Priya S.Real estate investor · ArizonaClient experiences shown are illustrative composites based on typical Keystone engagements. Individual results vary and depend on lender underwriting, creditworthiness and program availability.
The things everybody asks first
It depends entirely on the product. A merchant cash advance or express business loan can fund the same day or next business day once we have bank statements. Hard money and bridge real estate loans typically close in 7 to 14 days. Conventional term loans run 1 to 3 weeks, and SBA loans take 30 to 75 days because of the government review layer. When you apply, tell us your deadline — it is one of the biggest factors in which product we recommend.
No. Our initial review uses a soft credit pull, which is invisible to other lenders and has no effect on your score. A hard inquiry only happens later, after you have seen real terms in writing and told us you want to move forward with a specific offer.
There is no single cutoff, because we are not a single lender. Revenue-based products such as merchant cash advances and invoice factoring have funded borrowers in the 500s, since they lean on receivables and deposits rather than FICO. Conventional term loans and lines of credit generally want 620+. SBA and the best-priced bank paper want 680+. If your score is the obstacle, we will tell you plainly and show you which programs still work.
Most small business financing requires a personal guarantee from owners holding 20% or more. There are real exceptions — non-recourse business lending, most equipment leases, and many asset-based and real estate facilities where the collateral stands on its own. If avoiding a personal guarantee matters to you, say so up front and we will steer toward those programs.
Nothing to apply, nothing to review offers, and nothing to walk away. Where a fee applies to a specific transaction, it is disclosed in writing in your term sheet before you sign anything. You will never find a charge on your funding that you did not see and agree to first.
That is common and it is not disqualifying. Depending on the balance and position, we can look at a second-position facility, a consolidation that rolls everything into one payment, or a refinance into a longer, cheaper product. Bring your existing agreements to the call — the payoff structure changes what makes sense.
Tell us what you need. We will tell you what is possible.
This short form is enough for an advisor to give you a real, specific answer — not a brochure.
- Soft credit pull only. Your score is not affected by applying or by reviewing offers.
- No cost, ever, to see your options. Any fee tied to a transaction is disclosed in writing before you sign.
- A real advisor calls you. Usually within one business day, often within the hour.
Talk to a funding advisor
Prefer a conversation? Call and speak with someone who works on this program every day — not a call centre.
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