Capital Solutions for Every Business Need
We offer an entire range of financing that varies in cost, length, and ease of use. We will always seek the lowest-cost program — but we know not everyone qualifies for that. Whether you lack collateral, cash flow, or strong credit, we can most often find a suitable capital program.
Commercial Mortgages & Hard Money Popular
We have relationships with banks, private lenders, hedge funds, and Private Credit Funds that want to lend money on good deals. We've done deals with tax liens, bankruptcies, divorce issues — both personal and business partners — and various other challenges. Most of the time our rates are near bank rates and we will do deals that banks will not.
Apply nowAccounts Receivable Loans Fast Funding
Need immediate cash? Can't wait until your client pays? We work with almost all industries to advance you the cash from your invoices now. Advance only some of your invoices or all of them — we'll find the most cost-effective solution for your needs.
Apply nowAsset Based & Equipment Finance
Finance the purchase of new equipment or arrange a loan based on the value of equipment you already own. Loans are generally 2–5 years with competitive interest rates. We can also combine these with loans against your inventory and accounts receivable as a flexible line of credit.
Apply nowSBA Loans
We have relationships with several entities that make SBA loans — some requiring hard collateral and some not. Competitive rates, generally 7+ year terms, and all our SBA lenders do their own approvals without requiring SBA input. Most deals funded in a very reasonable time frame.
Apply nowWorking Capital Loans No Mortgage Required
Unlike cash advance deals, we have strong lender relationships that provide Working Capital loans for up to 3–5 year terms. Competitive interest rates, only security required is a standard UCC filing. No mortgages or equipment liens. Most deals funded in under 3 weeks.
Apply nowUnsecured Business Credit Lines 700+ Credit Score
Have good to excellent credit (700+ score)? We can often get you $25,000 to $100,000+ in as little as 2 weeks. Loans are only made to the business and do NOT appear on personal credit reports — critical for preserving your personal borrowing capacity. No upfront fees.
Apply nowPurchase Order Financing
Need financing to pay your manufacturer or importer for a sold order? We can arrange financing to advance the funds necessary to complete the order. Works with domestic and foreign manufacturers, importers, and wholesalers — even for new businesses or owners with weak personal financials.
Apply nowMerchant Cash Advance
Based on your current cash flow, our lenders review your bank and credit card statements. Terms are generally 6–18 months. Interest rates are higher than other products, but almost all deals are approved — if you have the need and the cash flow, we can get you the cash.
Apply nowPrivate Credit & Equity
Equity
We provide project equity for both Commercial Real Estate and Operating businesses. Our capital sources generally prefer mature developers with track records and significant personal equity in the deal. All equity transactions are conducted through Umergence LLC in accordance with SEC rules.
Preferred Equity
Our Capital Partners often seek hybrid-style returns, preferring to invest in a more secure manner than straight Limited Partner Equity. These investors target strong projects that can afford a regular dividend for the Preferred Equity portion of their Capital Stack.
Private Credit
Our Private Equity/Private Credit investors are generally searching for firms that are growing and capital-constrained but can afford to pay for growth capital. There is a tremendous amount of Private Credit capital looking to participate with strong growing companies.
Securities Disclosure: All securities transactions, including equity and private credit placements, are conducted through Umergence LLC, an affiliate of Umergence Holdings and a registered broker-dealer, member FINRA/SIPC.
