Pricing
Interest Rate Structure
Our revolving line of credit uses a clear, fixed APR structure based on the overall strength and reliability of the business — not just a credit score.
How we price
Real performance, not just a score.
We evaluate the factors that actually predict whether a facility performs, then price capital to the real risk profile of the business — while keeping terms transparent.
- Years in business
- Monthly revenue and consistency
- Business type and industry stability
- Ability to comfortably support payments
- Overall operational reliability
Three tiers
Every tier is a fixed APR.
Your rate is set at underwriting, stated in your agreement, and does not float. Where you land depends on the strength of the business — and stronger performance at renewal can move you up.
Tier 1
Lowest risk profile9% – 10%
APR · Fixed
Reserved for well-established businesses with strong, consistent performance.
These clients typically demonstrate solid monthly revenue, a proven track record, and the clear ability to manage repayments comfortably. Credit score is considered, but secondary to real business fundamentals. This tier reflects the lowest risk profile within our portfolio.
Tier 2
Established & growing11% – 20%
APR · Fixed
Designed for established businesses that are solid and reliable, but may not yet meet the highest performance benchmarks of Tier 1.
These are still carefully selected clients with meaningful operating history and sufficient cash flow. They often represent growing companies that benefit from flexible capital to strengthen and expand their operations.
Tier 3
Selectively approved20% – 30%
APR · Fixed
Available to businesses that meet our selective underwriting standards but present a higher relative risk profile within our portfolio.
Even at this level, we only work with established operators who show the capacity to support the facility. This tier allows us to support a broader range of qualified businesses while maintaining disciplined pricing.
Our commitment
We prioritize real business performance and repayment capacity over traditional credit metrics. Every facility is structured so the client can manage payments comfortably, with a strong emphasis on minimizing default risk.
Find out where you land.
Apply in minutes — a specialist walks you through your exact rate before you sign anything.