Business Capital, Structured Capital and Ongoing Advisory.
Most clients start in one. We bring in Structured or Ongoing Advisory when the deal or the stage calls for it.
Business Capital Advisory
For working capital, equipment, business credit and term financing, the funding needs most businesses run into first. We review what you qualify for today, prepare the file a lender wants to see, and coordinate the application end to end.
Working capital
Funds for payroll, inventory and operating costs while revenue catches up.
Business lines of credit
Draw what you need and pay only on what you use, including intro-rate credit lines for owners whose credit qualifies.
SBA loans
7(a), 504 and CAPLines programs for longer terms and lower rates, including seasonal and contract-based lines.
Equipment financing
Machinery, vehicles and technology financed against the equipment itself, plus sale-leasebacks on equipment you already own.
Commercial real estate
Purchase, refinance or renovate owner-occupied and investment property.
Revenue-based financing
Repayment tied to revenue for subscription, SaaS and e-commerce businesses that don't want a fixed payment.
Structured Capital Advisory
For acquisitions, receivables and inventory financing, layered debt and portfolio deals, anywhere the structure matters as much as the amount. We normalize the financials, size what the business can actually carry, and build the sources and uses before you're in front of a lender.
Acquisition financing
The full capital stack for buying a business: senior debt, SBA, seller notes and your injection, arranged together.
Invoice factoring and A/R lines
Turn unpaid invoices from commercial or government customers into operating cash, underwritten largely on who owes you.
Purchase-order and trade finance
Pay your supplier on a confirmed order before your customer pays you.
Contract and government-contract financing
Capital against awarded contracts for contractors, staffing firms and government suppliers.
Inventory financing
For importers, wholesalers and retailers with cash tied up in stock.
Franchise and practice financing
Lenders who know franchise brands and medical, dental and professional practices, and underwrite them accordingly.
Foreign national and foreign investor real estate financing
Financing for international buyers of U.S. investment property. See the program details below.
Financing for International Real Estate Investors
Buy U.S. investment property from anywhere. Through our lender partners, international buyers can finance 1–4 unit residential, multifamily, mixed-use and commercial property.
Foreign national
Lives in the U.S. part-time with U.S. credit.
Includes permanent and non-permanent resident aliens.
Up to 75% loan-to-value.
Foreign investor
Lives outside the U.S. — no U.S. credit required.
Funds held in a U.S. bank account.
EIN required; closes in an entity name.
Up to 65% loan-to-value.
Ongoing Capital Advisory
For clients already working with us who want a standing team: credit restoration, CFO and accountant partners, and capital planning that runs in the background. Scoped individually as part of an existing engagement.
CFO partners
Fractional CFOs who build the projections, cash-flow models and reporting lenders and investors ask for.
Accountant and tax partners
Accountants who clean up the books and returns before underwriting reads them, and plan taxes around the capital you raise.
Debt capital raising
Larger and layered facilities: bank and credit union relationships, SBA, asset-based and private credit, sequenced so one approval helps the next.
Equity capital raising
Partners and investors for expansions, acquisitions and real estate projects that debt alone won't carry.
Entity restructuring and optimization
We review how your companies are set up and reorganize them to borrow well: formation and name changes, foreign entity registration, industry codes, banking, business credit profiles, and which entity applies first.
Seasonal capital planning
A year-ahead plan that lines up capital before your slow months and peak seasons, instead of scrambling for it during them.
Powered by VygorIQ
Every recommendation above runs through VygorIQ, our underwriting-intelligence platform, before it reaches you.
How we're paid
Lender Broker Service
Free to you. The lender pays us when your loan is approved and funded.
Private Client Services
A setup fee and a success fee, quoted before you commit.
Business owner wealth protection
Raising capital is half the job. These structures keep a lawsuit, an illness, a death or a partner's exit from undoing what the capital built, and they pass it on the way you intend.
Owner income protection
Your household keeps its income if you can't work, so the business doesn't have to be sold to cover it.
Buy-sell agreement funding
Money in place to buy out a partner's share at death or departure, at a price agreed in advance.
Key person protection
Capital for the business if it loses someone it can't run without, and time to replace them.
Cash-value reserves
Custom policy designs that build reserves the business and owner can borrow against later, alongside the bank relationships we build.
Legacy and succession structures
A plan for who owns and runs the company next, funded before it's needed.
The Funding Desk
A funding department installed inside your practice, for professionals whose clients regularly need capital.
Who it's for
Financial advisors, accountants, tax advisors, business coaches, real estate agents and brokers, life insurance agents and consultants.
What you do
Introduce clients who agree to it. That's the whole job.
What we do
Intake, credit and structure work, lender matching and closing, with status updates back to you along the way.
What you keep
The client relationship, and a share of what we earn on deals that fund, set with you directly.
What happens on the call
Three things get decided before you hang up.
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Step 1
The Capital Quadrant
We sort your credit and revenue into the lane you're likely to qualify for.
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Step 2
The VygorIQ Read
We run your numbers against underwriting data to find the structures that actually fit, not just the first one offered.
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Step 3
The Capital Deployment Plan
Every dollar gets a job and a payback date before it's spent.