Business Solutions

Business Solutions Built Around You

Every business operates differently, and financing should reflect that. We provide access to a broad range of funding and financial support solutions designed to strengthen operations, improve cash flow, and create long-term stability.

Business Funding

Merchant Cash Advance (MCA)

Quick and flexible funding for businesses that need fast access to working capital. Provides upfront capital in exchange for a portion of future receivables — ideal for managing cash flow, inventory, marketing, or unexpected expenses.

SBA 7(a) Loans

One of the most versatile SBA-backed programs available. Offers long-term funding for business expansion, working capital, equipment purchases, refinancing, and acquisitions with competitive rates and flexible terms.

SBA 504 Loans

Affordable, long-term financing for owner-occupied commercial real estate and major equipment purchases — helping businesses expand while preserving cash flow with lower down payments.

Term Loans

Structured financing that provides a lump sum of capital repaid over a fixed schedule. Ideal for expansion projects, renovations, operational growth, or large business investments with predictable payments.

Revenue-Based Funding

Flexible funding tied directly to your revenue performance. Payments scale with your business, giving you breathing room during slower periods while accelerating repayment when revenue is strong.

Working Capital Solutions

Short-term funding designed to keep operations running smoothly — covering payroll, inventory, overhead, and other operational needs during growth or transitional periods.

Real Estate & Property

DSCR Loans

Debt Service Coverage Ratio loans designed for real estate investors. Properties qualify based on cash flow rather than personal income — a streamlined solution for rental property financing without the hassle.

HELOCs

Flexible revolving credit lines allowing homeowners to leverage home equity for renovations, investments, debt consolidation, or major expenses — borrowing only what you need, when you need it.

Mortgages

Residential and commercial mortgage solutions tailored to help clients purchase, refinance, or invest in real estate with competitive rates and customized financing structures that work for your goals.

Cash Flow & Operations

Invoice Factoring

Convert unpaid invoices into immediate working capital. Stop waiting 30, 60, or 90 days for customer payments — get the cash you need now to maintain smooth operations and fuel growth.

Purchase Order Financing

Funding designed to help businesses fulfill large customer orders by covering supplier and production costs upfront — allowing you to scale without cash flow limitations holding you back.

Equipment Financing

Acquire essential equipment, machinery, vehicles, and technology without tying up valuable working capital. Preserve liquidity while getting the tools your business needs to operate at full capacity.

Business Services

Credit Card Processing

Reliable, modern payment processing with competitive rates, online and wireless capabilities, and ongoing support. By working directly with issuing banks, we reduce middleman costs and keep more revenue in your pocket.

Payroll & Banking Solutions

Streamlined payroll management and business banking tools designed to simplify the financial operations side of running a business — so you can focus on what you do best.

Business Consulting

Strategic consulting focused on improving operational efficiency, increasing profitability, optimizing financial performance, and supporting long-term business growth. Our team brings real-world insight to your challenges.

Eterna Financial