Funding Solutions
Direct lending across a full range of business funding products — structured around your specific needs, not ours.
Our Products
Every product we offer is designed around the reality of how businesses actually operate — with variable cash flow, growth opportunities, and the need for a lender who moves fast.
Inject liquidity into your daily operations. Whether you need to manage payroll, cover supplier invoices, bridge a seasonal gap, or seize a time-sensitive opportunity, our working capital loans deliver funds fast with terms built around your cash flow. Common use cases include: purchasing inventory ahead of a busy season, covering a temporary cash flow shortfall between client payments, funding a marketing push, or handling unexpected operational expenses.
We evaluate working capital applications based on your business revenue history and overall financial profile — not exclusively on personal credit. Businesses across virtually every industry qualify, including retail, restaurants, healthcare practices, contractors, service businesses, and e-commerce operators. Minimum 6 months in business and $10,000 average monthly revenue required.
Acquire the tools, machinery, vehicles, or technology your business depends on — without draining your working capital. Our equipment financing covers up to 100% of the purchase price, with the equipment itself serving as collateral. Typical use cases include: purchasing a commercial kitchen hood or oven for a restaurant, acquiring a new excavator or dump truck for a construction company, financing diagnostic imaging equipment for a medical practice, or adding delivery vehicles to a logistics fleet.
From heavy construction machinery and commercial vehicles to medical devices, restaurant equipment, manufacturing tools, and office technology — we finance across a wide range of industries and asset types. The equipment is yours at the end of the term. New and used equipment both eligible. Most assets valued at $25,000 or more qualify.
Access capital aligned with your business performance. Revenue-based financing provides an upfront lump sum in exchange for a percentage of your future revenue — meaning repayments flex with your income rather than being a fixed monthly burden. When business is slow, your remittance slows with it. When revenue is strong, you pay down faster. This structure is designed for businesses that experience seasonal variation or irregular cash flow cycles.
This product is ideal for businesses with strong and consistent revenue streams, including retail stores, restaurants, e-commerce businesses, service businesses, healthcare practices, and hospitality operators. Ideal for businesses generating $15,000+ in monthly revenue with at least 6 months of operating history. No personal guarantee required in most cases.
Maintain a revolving credit facility that you draw from when needed and repay on your schedule. A business line of credit keeps you ready for opportunities and protects against unexpected expenses — without the cost of keeping unused capital on the books. Draw funds for a supplier payment, repay as receivables come in, and draw again for the next need. You only pay interest on what you actually use.
Perfect for businesses that need ongoing, flexible access to capital rather than a single lump-sum advance — including professional service firms managing client billing cycles, retail businesses managing inventory reorders, contractors bridging project milestones, and any business that benefits from a financial safety net. Lines renew annually and can be increased as your business grows.
Stop waiting 30, 60, or 90 days for clients to pay their invoices. Our invoice factoring program converts your outstanding accounts receivable into immediate working capital — typically advancing 80–90% of invoice value within 24–48 hours. This is particularly valuable for B2B businesses in staffing, construction, manufacturing, trucking, and professional services where clients routinely pay on net-30 to net-90 terms.
Here’s how it works: you submit your outstanding invoices, we advance the majority of the face value immediately, the factoring company collects payment from your client, and you receive the remaining balance (minus a small factoring fee) when payment clears. No new debt is added to your balance sheet. This is a sale of receivables, not a loan. Businesses with $25,000 or more in monthly invoices qualify.
When you’re ready to open a new location, enter a new market, hire aggressively, or invest in a major growth initiative, Bootset structures funding packages designed for scale — not for maintaining the status quo. Common expansion scenarios we fund include: a restaurant operator opening a second or third location, a contractor scaling into a new service territory, a healthcare practice adding a satellite office, a retailer launching an e-commerce channel alongside their physical store, or a logistics company expanding its fleet and geographic footprint.
We work with established businesses (typically 12+ months operating history and $50,000+ monthly revenue) across all industries to build financing structures that support their next chapter. Funding packages can be custom-structured combining working capital, equipment financing, and credit lines into a single coordinated solution — with terms that make strategic sense rather than just checking a box for qualification metrics.
Who Qualifies
We look at the whole picture of your business. Our qualification criteria are designed to be realistic — not designed to exclude.
Minimum 6 months in operation for most products. Some expansion products require 12+ months of business history.
Minimum $10,000 average monthly revenue for working capital products. Equipment financing assessed separately based on asset value.
An active business checking account is required. We review 3–6 months of bank statements as part of our underwriting process.
Government-issued identification for the principal owner and your business EIN. All business structures welcome: LLC, S-Corp, C-Corp, sole proprietor.
Must be a U.S.-registered business with operations within the United States. Most industries welcome; some exclusions may apply.
Applicants must not have an active or pending bankruptcy filing. Past bankruptcies may be reviewed on a case-by-case basis depending on the product.
Not sure which product is right for you? Reach out and we'll walk you through the options based on your specific situation.
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