Business Funding Solutions

Capital Structured to Move Your Business Forward

Direct lending products designed around how real businesses operate — with speed, flexibility, and total transparency.

Working Capital Loans

Every business has operational rhythms — peak seasons, inventory cycles, payroll obligations that don't pause. Our working capital loans provide the liquidity to keep your business running at full capacity regardless of timing gaps in your cash flow.

Unlike traditional bank loans that require extensive documentation and weeks of processing, our working capital financing is designed for speed. We evaluate your business's health holistically — not just a credit score — and deliver capital that fits your actual operations.

Typical Parameters

Funding Amount$5,000 – $2,000,000
Term Length3 – 24 months
Decision Time24 – 72 hours
Use of FundsOperations, inventory, payroll, growth
Working capital for business operations

Equipment Financing

Modern equipment is the backbone of competitive business operations — and the cost of acquiring or upgrading it shouldn't drain your working capital reserves. Our equipment financing lets you bring critical assets into service immediately while preserving liquidity for operations and growth.

Repayment terms are structured around the productive lifespan of the equipment and your expected revenue from its deployment — creating an alignment between what you pay and what you earn.

Typical Parameters

Funding Amount$10,000 – $5,000,000
Term Length12 – 60 months
Decision Time24 – 72 hours
Eligible EquipmentNew & used; most industries
Business equipment financing

Revenue-Based Financing

For businesses with strong recurring revenue but variable monthly performance, revenue-based financing offers a natural solution: repayments flex in proportion to what you earn. In strong months, you pay more. In slower periods, you pay less. No fixed obligations that ignore your business's reality.

This product is especially well-suited for seasonal businesses, subscription-based models, and e-commerce companies whose revenue patterns don't fit a rigid repayment schedule.

Typical Parameters

Funding Amount$25,000 – $2,000,000
Repayment% of monthly revenue
Decision Time48 – 72 hours
Best ForSeasonal & recurring-revenue businesses
Revenue-based business financing

Invoice Financing

Outstanding invoices represent earned revenue sitting idle — capital your business needs but cannot yet access. Invoice financing converts those receivables into immediate cash, letting you reinvest in operations, personnel, or growth without waiting on customers' payment timelines.

Unlike factoring, our invoice financing keeps your customer relationships intact. You maintain full control of collections while gaining immediate access to the capital your work has already earned.

Typical Parameters

Advance RateUp to 90% of invoice value
Eligible InvoicesB2B invoices, net 30–120 days
Decision Time24 – 48 hours
Best ForB2B services, construction, manufacturing
Invoice financing for business

Business Term Loans

For planned, substantial investments — facility expansion, major acquisitions, new market entry — a business term loan provides the predictability of fixed payments and a defined payoff timeline. Know your obligation from day one and plan accordingly.

Our business term loans are underwritten with consideration for your entire financial picture, not just credit scores. Strong business performance and cash flow are recognized and rewarded in the structure of your offer.

Typical Parameters

Funding Amount$50,000 – $5,000,000
Term Length12 – 60 months
RepaymentFixed monthly payments
Best ForExpansion, acquisitions, capital projects
Business term loan funding

Business Lines of Credit

A revolving business line of credit gives you permanent financial flexibility — draw capital when you need it, repay it when you're able, and draw again. You're only charged on what you use, making it the most cost-efficient solution for ongoing capital needs.

Ideal for businesses managing consistent but unpredictable capital requirements — bridging payment gaps, seizing short-notice opportunities, or simply maintaining a reliable liquidity backstop behind your operations.

Typical Parameters

Credit Limit$25,000 – $500,000
Draw CycleRevolving; draw as needed
Approval Time48 – 72 hours
Best ForOngoing operational flexibility
Business line of credit

Industries We Finance

Cross Atlantic Financial works with businesses across a broad range of industries throughout the United States.

Restaurants & Hospitality
Transportation & Logistics
Construction & Contractors
Manufacturing
Retail & E-Commerce
Healthcare & Medical
Auto & Mechanical Services
Agriculture & Farming
Technology & Software
Professional Services
Wholesale & Distribution
Education & Childcare

General Qualification Guidelines

We evaluate each application holistically. These are general parameters — not rigid disqualifiers.

6+
Months in Business
We work with established businesses that have demonstrated operating history.
$10K+
Monthly Revenue
Demonstrated revenue is the primary indicator of repayment capacity — not just credit scores.
500+
Owner Credit Score
We consider the full financial picture, not just your score — strong revenue can offset credit challenges.
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Find the Right Funding for Your Business

Our team will help identify the best product for your situation. Speak directly with a funding specialist — no scripts, no pressure.

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