| Best for | Larger or complex borrowers banks won’t lend to |
| Size | Typically $2M+ |
| Pricing | Roughly 12%–18% all-in, sometimes split between cash interest and PIK |
| Collateral | Often all business assets: real estate, equipment, inventory, receivables |
| Term | 2–5 years |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Good fit: non-bankable industries (for example cannabis), heavy existing debt, rapid growth, complex collateral.
Common questions
- What is PIK interest? "Payment in kind": part of the interest isn't paid monthly; it's added to the loan balance and paid at the end.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Recent transactions
Special situations
Industry gets declinedWhy some industries trip lender exclusions, how wording can cause a decline, and who still lends.How it gets solvedAppraisal split with equipmentHow an appraisal's split between real estate and FF&E can block USDA or SBA and change your capital stack.How it gets solved
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