Revenue Based Working Capital Qualification
Business Loans That Respect Your Cash Flow
Professional funding solutions including term loans, equipment financing, lines of credit, and SBA options. Transparent process, competitive rates, and decisions built for business operators.
Why Choose Liberty Capital
We understand you're running a business, not managing paperwork. Our comprehensive underwriting process evaluates your complete financial picture—cash flow, collateral, business history, and trade relationships—not just credit scores.
- Preserve Working Capital: Finance equipment and growth initiatives while maintaining operational cash flow
- Maintain Ownership: Debt-based solutions with no equity dilution requirements
- Transparent Process: Clear communication about what works, what doesn't, and exactly why
- Expert Guidance: Direct access to experienced underwriters and funding advisors
Our Commitment
We're committed to providing honest, professional advice that serves your long-term business interests. If a loan product isn't right for your situation, we'll tell you directly and suggest better alternatives.
Our goal is to help you build sustainable growth while maintaining strong relationships with traditional banking partners for future needs.
Professional Funding Solutions
Term Loans
Fixed payment structure for expansions, marketing campaigns, debt consolidation, or major business investments with predictable repayment terms.
- $25,000 - $2,000,000+
- 6-60 month terms
- Fixed and variable rates available
- Multiple use-of-funds options
Equipment Financing
Finance new or used equipment from dealers or private parties. Preserve working capital while acquiring essential business assets.
- Up to 120% financing including soft costs
- $1 Buyout and Fair Market Value options
- 3-60 month flexible terms
- Fast approval for qualified applicants
Business Lines of Credit
Revolving credit facility for managing cash flow gaps, inventory purchases, and seasonal business variations with interest-only payments on used amounts.
- $25,000 - $500,000+
- Revolving credit structure
- Bank and alternative programs
- Flexible draw and repayment
SBA 7(a) & 504 Loans
Government-backed financing offering competitive rates and extended terms, ideal for acquisitions, real estate purchases, and major capital expenditures.
- $250,000 - $5,000,000+
- Extended amortization periods
- Comprehensive documentation required
- Best available pricing structure
Working Capital Solutions
Short-term funding for immediate business needs when traditional options aren't available. Designed for strategic use with clear exit planning.
- $15,000 - $500,000 per location
- Daily or weekly remittance options
- Early payoff discount programs
- Strategic use recommendations
Debt Consolidation
Selective consolidation services focused on improving cash flow and future banking relationships. We only recommend consolidation that benefits your business.
- Case-by-case evaluation
- Debt service coverage analysis
- Bank-friendly exit strategies
- Long-term financial planning
Qualification Requirements
- Revenue & Banking: Consistent business deposits and revenue streams (3-6 months minimum)
- Business History: Programs available for both established businesses and qualified startups
- Credit Profile: Comprehensive credit evaluation beyond just credit scores
- Trade References: Paydex/PayNet scores, supplier relationships, and payment history
- Financial Leverage: Responsible debt-to-income ratios protecting future banking relationships
Simple Documentation Process
Required documents: One-page application, recent bank statements, equipment invoices/quotes. Additional financial statements may be required for larger structured approvals.
What Sets Us Apart
Our underwriting team evaluates your complete business story, not just financial metrics. We consider industry experience, business model sustainability, and growth potential.
Comprehensive Review Includes:
- Cash flow analysis and projections
- Industry-specific considerations
- Collateral evaluation and positioning
- Management experience assessment
- Market conditions and opportunities
Our Professional Process
1. Discovery & Analysis
We begin with a comprehensive consultation to understand your funding needs, timeline, and business capacity. If the numbers don't support approval, we'll provide honest feedback immediately.
2. Underwriting Review
Complete financial review including bank statement analysis and credit evaluation. For equipment financing, we assess condition, comparable values, and resale potential.
3. Approval & Funding
We present clear terms with detailed pricing information. Upon acceptance, electronic documentation and funding occur as quickly as document verification allows.
Professional Advisory on Short-Term Financing
Revenue-based advances and daily remittance products should be used strategically, not as long-term financing solutions. These products are appropriate when you have:
- Clear return on investment or documented emergency need
- Defined exit strategy (refinancing to term loan, line of credit, or SBA)
- Discipline to avoid multiple short-term debt obligations
- Understanding of total cost and impact on cash flow
We maintain the right to decline transactions that could harm your business or future financing opportunities. This approach helps preserve your banking relationships and creditworthiness.
Strategic Financing Guidance
Our team provides honest assessment of financing options, even when it means recommending against certain products or suggesting delayed timing for optimal results.
We Help You Avoid:
- Excessive leverage that limits future options
- Multiple high-cost debt obligations
- Financing that doesn't match cash flow patterns
- Decisions that harm banking relationships
Frequently Asked Questions
How quickly can I receive approval?
Application-only programs typically provide decisions within 24-72 hours for qualified applicants. Structured loans and SBA programs require additional time but offer superior rates and terms.
Will multiple loans affect my credit or future approvals?
Excessive short-term debt can severely impact cash flow and future financing opportunities. We develop sequenced financing strategies that preserve your banking relationships and creditworthiness.
Can you finance used or private-party equipment?
Yes, subject to equipment condition assessment, lien search verification, and current market valuation. We can often include delivery, installation, and tax costs in the financing amount.
What interest rates should I expect?
Rates vary based on loan product, risk assessment, term length, and collateral quality. We provide transparent rate information and benchmark comparisons without misleading promotional rates.
Do you work with startups or new businesses?
We have specific programs for qualified startups and new businesses, typically requiring strong personal credit, industry experience, and adequate initial capital investment.
What's the difference between bank and alternative lending?
Bank financing offers lower rates and longer terms but requires extensive documentation and longer approval times. Alternative lending provides faster decisions with more flexible criteria but higher costs.
Ready to Explore Professional Funding Options?
Contact our experienced team for a comprehensive consultation. We'll review your financial position and provide clear, honest guidance on the best financing path forward.
Application Process for Revenue Based Loan:
- Online Application: Complete a simple online application through Liberty Capital’s website.
- Approval: The approval process is swift, often within 24 hours.
- Funding: Once approved, funds can be deposited into your business account quickly.
- Low Doc Funding: Documents required prior to funding can be as little as Driver’s license and voided check.
