Term Loan
A lump sum and a fixed schedule, for the purchase you have already priced.
- Amount
- $25,000 – $500,000
- Term
- 6 months – 5 years
- Repayment
- Fixed monthly payments
- Rate
- Set in the lender's offer
A business finance broker in Addison, Texas
Strategic financingfor business growth.
Six programs from $5,000 to $1,000,000, each with the amount, the term and the bar a business has to clear printed on its own page. One application, one specialist, and nothing to pay for the quote.
- A soft inquiry to apply, not a hard pull
- About fifteen minutes to fill in
- Decisions in 24-72 hours, by program
The six programs
Pick by what the money has to do, then check the bar.
Each card carries the amount and the term this office publishes. The page behind it carries the rest: the minimums a lender will look for, and the papers they will ask to see.
Business Line of Credit
A limit to draw on when it is needed, and interest only on what is drawn.
- Limit
- $10,000 – $250,000
- Interest
- On the amount drawn only
- Draws
- Repay and draw again
- Rate
- Set in the lender's offer
Short-Term Business Loan
A smaller sum repaid within months, for a need that cannot wait for a bank.
- Amount
- $5,000 – $100,000
- Term
- 3 – 18 months
- Paperwork
- Three months of statements
- Rate
- Set in the lender's offer
Working Capital Loan
Money for the running of the business — wages, rent, suppliers — without pledging what it owns.
- Amount
- $15,000 – $300,000
- Term
- 6 months – 3 years
- Collateral
- None required
- Approval
- 24 – 48 hours
Equipment Financing
Buy or lease what the business runs on, and let the equipment secure it.
- Amount
- $20,000 – $1,000,000
- Term
- 2 – 7 years
- Down payment
- 0% – 20%
- Approval
- 24 – 72 hours
Merchant Cash Advance
Cash now against future card sales, repaid as a share of each day's takings.
- Advance
- $5,000 – $200,000
- Repayment
- A share of daily card sales
- Funding
- 24 – 48 hours after approval
- Card sales
- $5,000+ a month
Own it or lease it
The same machine, two ways to pay for it.
Equipment is the one program where the choice is not only how much and how long. A loan leaves the business owning the thing; a lease leaves it using the thing. Which is right depends on how long the equipment earns its keep.
Path 1
A purchase loan
Borrow the price, repay it over two to seven years, and the equipment is the business's once the last payment clears.
- The business owns it outright at the end
- It sits on the books as an asset
- Depreciation, and Section 179 where it applies
- No mileage or hours limit on how it is used
- It can be sold on when it is done
Best for Kit that works for many years: an oven, a lathe, a van, a chair in a dental surgery.
Path 2
An equipment lease
Pay for the use of it over an agreed period, and hand it back, renew or upgrade when the period runs out.
- Lower monthly payments than buying
- Move to the newer model when the term ends
- Up to 100% of the cost can be financed
- Payments may be deductible
- Maintenance can be written into the agreement
Best for Kit that dates quickly: computers, point-of-sale systems, anything with a newer version every few years.
Down payment0% to 20%
What a lender asks up front on equipment financing, depending on the machine, the business and whether it is bought or leased. Some leases are written with nothing down.
Tax treatment depends on the business and the year; an accountant, not this page, is the one to ask. Equipment financing, in full →
Said plainly
What this office is, and what it is not.
- A broker
- Titan Business Financing does not lend. It takes the application and places it, through its funding partner, with lenders who decide whether to make an offer.
- No published rate
- This site prints no rate, because there is no honest single number to print. A rate depends on the business, the program and the lender, and it arrives in the offer, in writing.
- A soft inquiry to apply
- Applying does not mark a credit file. A lender that goes on to make an offer may run a full credit check before it funds.
- Nothing to pay for a quote
- There is no fee for the application or the quote. Any cost of the finance itself is in the lender's offer, before anything is signed.
How it works
Four stops between the application and the money.
Nothing costs anything until an offer is accepted, and the offer is the point where the terms are finally on paper.
- 1. Apply
- One online application about the business: what it does, how long it has traded, what comes in each month, and what the money is for. It takes about fifteen minutes and asks for no documents yet.
- 2. Review
- A specialist reads the application against the six programs and against what the lenders on the other end will ask. Most reviews are done within hours; a decision comes in 24 to 72 hours depending on the program.
- 3. Offer
- What comes back is an offer with the amount, the term, the payment and what it costs, from the lender who will fund it. It is not binding until it is signed, and it can be read at leisure and asked about line by line.
- 4. Funding
- Once the offer is signed and the lender has verified what it needs to, the money goes to the business bank account. For a cash advance that is typically 24 to 48 hours after approval.
The application
Get a free quote
About fifteen minutes, a soft inquiry rather than a hard pull, and no obligation to take what comes back.
Rather talk to somebody first? (213) 204-5628.