Comprehensive Business Funding Solutions

From working capital to equipment financing, we offer a full range of lending products designed to fuel growth and operational success.

Our Funding Services

We provide flexible, transparent funding solutions tailored to your business needs. Each product is designed with your cash flow, industry dynamics, and growth objectives in mind.

Working Capital Loans

Working capital loans provide the liquidity you need to manage day-to-day operations, purchase inventory, cover payroll, or bridge seasonal cash flow gaps. Our flexible structures allow you to access capital quickly and repay on terms that align with your revenue cycle.

Ideal for: Inventory purchases, operational expenses, payroll coverage, seasonal cash flow management, and short-term growth initiatives.

  • Loan Amounts: $10,000 to $500,000
  • Terms: 3 to 18 months
  • Approval Time: 24-48 hours
  • Repayment: Daily or weekly ACH, aligned with cash flow

Revenue-Based Financing

Revenue-based financing offers a unique repayment structure tied directly to your revenue. Instead of fixed monthly payments, you remit a percentage of your daily or weekly sales. This means payments scale with your business—higher during busy periods, lower during slower times.

Ideal for: Seasonal businesses, retail operations, restaurants, e-commerce companies, and any business with variable revenue patterns.

  • Funding Amounts: $20,000 to $750,000
  • Repayment: Percentage of daily revenue (typically 5-15%)
  • Term: Flexible—often 6 to 12 months
  • Benefits: Automatic cash flow alignment, no fixed payment stress

Equipment Financing

Acquire the equipment your business needs without depleting working capital reserves. Our equipment financing solutions cover machinery, vehicles, technology, medical equipment, and more. The equipment itself serves as collateral, making approval straightforward even for newer businesses.

Ideal for: Manufacturing, healthcare, construction, transportation, restaurants, and professional services requiring specialized equipment.

  • Financing Amounts: $5,000 to $5,000,000
  • Terms: Up to 7 years, depending on equipment type and lifespan
  • Down Payment: Typically 10-20%
  • Benefits: Tax advantages, preserve cash flow, fast approval

Commercial Real Estate Loans

Finance the purchase, refinancing, or expansion of commercial property. Whether you're acquiring an office building, warehouse, retail space, or mixed-use property, we provide competitive rates and flexible structures tailored to commercial real estate transactions.

Ideal for: Property acquisition, refinancing existing mortgages, construction or renovation projects, and portfolio expansion.

  • Loan Amounts: $250,000 to $10,000,000+
  • Terms: 5 to 25 years
  • LTV: Up to 80% loan-to-value
  • Process: Full underwriting, appraisal, and closing support

Invoice Factoring

Convert outstanding invoices into immediate cash. Invoice factoring allows you to sell your unpaid B2B invoices to us at a discount, providing instant liquidity without taking on additional debt. Ideal for businesses with long payment terms from customers.

Ideal for: B2B companies, wholesale distributors, staffing agencies, logistics companies, and professional service firms with net-30, net-60, or net-90 invoices.

  • Advance Rate: 80-90% of invoice value upfront
  • Discount Fee: 1-5% depending on payment terms and customer creditworthiness
  • No Fixed Term: Factor as needed—no long-term commitment
  • Benefits: Improve cash flow, no debt added to balance sheet

SBA Loans

Small Business Administration (SBA) loans offer government-backed financing with favorable terms for qualified businesses. These loans provide longer repayment periods and lower interest rates than conventional loans, making them ideal for significant investments in growth, acquisition, or real estate.

Ideal for: Established businesses seeking long-term financing, business acquisitions, major equipment purchases, or real estate investments.

  • Loan Types: SBA 7(a), SBA 504, SBA Express
  • Loan Amounts: Up to $5,000,000
  • Terms: Up to 25 years (real estate), 10 years (equipment/working capital)
  • Qualifications: Established credit history, business plan, collateral

Why Businesses Choose S&J

Fast Decisions

Most applications receive preliminary approval within 24-48 hours. We understand timing matters in business.

Flexible Qualifications

We consider more than just credit scores. Cash flow, industry trends, and business potential all factor into our decisions.

Direct Lending

We are the lender—no brokers or middlemen. This means faster approvals and more flexible terms.

Dedicated Support

Each client has a dedicated account manager who understands your business and is available when you need guidance.

Transparent Terms

No hidden fees. No surprises. Every term, rate, and fee is clearly disclosed before you sign.

Repeat Funding

As you repay, you become eligible for additional funding at improved terms—building a lasting financial partnership.

Let's Find the Right Funding Solution for Your Business

Connect with our team to discuss your needs and receive a customized funding proposal within 24 hours.

Apply Today