Working capital that moves at your speed
Term loans, credit lines, and invoice financing from $25K to $2M — underwritten on your real revenue data, not a six-week paperwork marathon. Offers in 48 hours, funds in days.
Soft credit pull only · No origination fees · No prepayment penalties
Loan calculator
Know your payment before you apply
Pick an amount and term. Your rate, monthly payment, total interest, and full payoff curve update as you drag — the same math our offers use.
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | $21,793.37 | $1,750.00 | $20,043.37 | $229,956.63 |
| 2 | $21,793.37 | $1,609.70 | $20,183.67 | $209,772.95 |
| 3 | $21,793.37 | $1,468.41 | $20,324.96 | $189,447.99 |
| 4 | $21,793.37 | $1,326.14 | $20,467.24 | $168,980.76 |
| 5 | $21,793.37 | $1,182.87 | $20,610.51 | $148,370.25 |
| 6 | $21,793.37 | $1,038.59 | $20,754.78 | $127,615.47 |
First 6 of 12 payments shown. Standard amortization, no prepayment penalty — repay early and the remaining interest disappears.
Three products
Match the capital to the cash-flow problem
Fixed projects want term loans. Lumpy months want a line. Slow-paying customers want invoice financing. Mix all three under one limit.
Term loan
A fixed amount, funded up front, repaid monthly. Predictable payments make it the right tool for purchases you can put a number on — equipment, inventory buys, or a planned expansion.
- Equipment and fleet purchases — Atlas Freight financed 14 trailers this way
- Bulk inventory ahead of a seasonal peak
- Funding a known, one-time project
| Limits | $25K – $2M |
| Term | 3 – 36 months |
| Typical pricing | 7.9% – 9.4% APR, no origination fee |
| Funding speed | 1 – 2 business days after approval |
How it works
From application to funded in three steps
Apply in 10 minutes
Connect your accounting and banking data read-only. No deck, no projections spreadsheet, no notarized anything.
Offer within 48 hours
Underwriting runs on your live revenue, margins, and cash position. You get real terms — amount, rate, schedule — not a teaser range.
Funded in 1–2 days
Accept online and funds land in your Keelstone or external account. Lines and invoice advances draw same-day after setup.
Eligibility check
See where you stand in 10 seconds
Flip the toggles that describe your business. No forms, no credit pull — just an honest read on whether an application is worth your time.
Meeting at least four criteria puts you in the typical approval range. Close but not quite? Talk to us anyway — invoice financing has the lightest requirements of the three products.
Capital shouldn’t be the bottleneck
Get a real offer in 48 hours — amount, rate, and schedule — without touching your credit score or your week.