OUR SERVICES

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Hard Money Lending

Ethical Capital for Real Estate Success

Our hard money loans provide fast funding with fair rates (8–12% APR) and terms up to 24 months. Ethical focus: Full disclosure of all costs, no prepayment penalties, borrower counseling on repayment risks. Typical use: Property flips, bridges. $50K–$5M.

Earned Wage Access

Responsible On-Demand Pay

Employees access up to 50% of earned wages instantly with flat fees ($2–$5), no interest. Ethical focus: Not a loan, reduces payday borrowing, complies with CFPB guidelines. Zero cost to employers.

Asset-Backed Loans

Secure Funding from Your Assets

Leverage equipment or inventory for loans (6–18 months, 8–15% APR). Ethical focus: No repossession unless default, clear collateral terms, responsible valuation. $25K–$1M.

Business Lines of Credit

Flexible Credit for Growth

Revolving lines up to $500K, pay interest only on used amounts. Ethical focus: No draw fees, transparent rates (Prime + 2–5%), over-borrowing warnings.

Invoice Factoring

Ethical Cash from Receivables

Advance 80–95% of invoice value in 24 hours, fees 1–3%. Ethical focus: Non-recourse options, no client harassment, fair collection practices.

Merchant Cash Advance

Revenue-Aligned Advances

$10K–$500K, factor rates 1.1–1.4, repay from sales. Ethical focus: Adjusts with business performance, no fixed payments, full disclosure of total cost.

Revenue-Based Financing

Grow Ethically with Revenue

$50K–$2M, 5–10% of revenue. Ethical focus: No equity dilution, repayment caps, borrower protection from over-extension.

OUR SERVICES

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