Financing Solutions
Capital for Every Stage of Growth
Whether you need a lump sum for a major investment, flexible credit for day-to-day operations, or financing for critical equipment — we have a solution built for your business.
Financing Solutions
Capital for Every Stage of Growth
Up to $5M Available
Business Term Loans
Predictable capital for your biggest moves.
A business term loan gives you a lump sum of capital upfront, repaid over a fixed schedule with predictable monthly payments. Ideal for expansion, hiring, acquisitions, or any investment where you know exactly what you need.
Key Features
- Fixed or variable rate options
- Terms from 12 months to 10 years
- Funding in as few as 3 business days
- No prepayment penalties on most programs
Best For
- Business expansion
- Hiring & staffing
- Real estate improvements
- Acquisitions
$50K–$2M Credit Lines
Lines of Credit
Flexible capital that moves with your business.
A revolving line of credit gives you on-demand access to funds up to your approved limit — draw what you need, repay it, and draw again. Perfect for managing cash flow, covering seasonal gaps, or jumping on time-sensitive opportunities.
Key Features
- Draw and repay on your schedule
- Only pay interest on what you use
- Revolving — reuse as you repay
- 24-hour approval decisions
Best For
- Cash flow management
- Seasonal businesses
- Inventory purchases
- Unexpected expenses
100% Equipment Cost
Equipment Financing
Own the tools that drive your business forward.
Finance the equipment your business depends on — from heavy machinery and vehicles to technology and medical devices — with terms structured around the life of the asset. Keep your working capital intact while putting the right tools to work.
Key Features
- Finance up to 100% of equipment cost
- Equipment serves as collateral
- Terms matched to asset lifespan
- Available for new and used equipment
Best For
- Manufacturing equipment
- Commercial vehicles
- Technology & software
- Medical & dental equipment
Up to 90% Purchase & Rehab
Fix & Flip Loans
Move quickly from property purchase to profitable resale.
Fix & flip financing gives real estate investors short-term capital to purchase and renovate residential investment properties. With funding structured around your project timeline, you can preserve liquidity while preparing the property for sale or refinance.
Key Features
- Financing for purchase and renovation costs
- Short-term terms aligned to your exit strategy
- Designed for experienced and first-time investors
- Fast decisions for time-sensitive opportunities
Best For
- Residential property investors
- Renovation projects
- Auction and off-market acquisitions
- Properties planned for resale or refinance
90-Day Action Plan
Personal Credit Building
Stronger credit opens bigger doors.
Your personal credit score directly impacts the rates and terms available to your business — especially in the early years. Our credit building program pairs you with a dedicated advisor who analyzes your current profile, identifies quick wins, and builds a 90-day action plan to improve your score and position you for better financing.
Key Features
- Personalized credit profile analysis
- Dispute support for inaccurate items
- Tradeline strategy and utilization coaching
- Progress tracking with monthly check-ins
Best For
- First-time business borrowers
- Owners rebuilding after hardship
- Pre-loan preparation
- Improving future financing terms
New Business Funding
Starting a New Business & Need Funding?
Securing the right funding from day one is one of the most critical decisions you'll make as a new business owner. The partner you choose shapes not just your capital — but your entire trajectory.
Capital When It Counts
New businesses need funding at the right moment. Delayed or insufficient capital can stall momentum before you ever open your doors. We move fast so you don't miss your window.
The Right Partner Matters
Not all lenders understand the unique challenges of a new business. Trifecta Capital specializes in new business funding — we know what it takes and structure solutions that actually work for you.
Built for Your Stage
Whether you're pre-revenue or just getting started, our funding programs are designed specifically for new businesses — not retrofitted products built for established companies.
Why Your Funding Partner Matters
The wrong funding partner can saddle a new business with terms it can't sustain — high rates, short repayment windows, or structures that don't match your cash flow. That's not a loan, that's a liability.
Trifecta Capital takes the time to understand your business model, your revenue timeline, and your growth goals before recommending a funding structure. We're not just approving applications — we're building long-term relationships.
- Funding structures matched to your cash flow
- Advisors who specialize in new business financing
- Transparent terms with no hidden fees
- Ongoing support as your business grows
- Access to multiple funding programs in one place
No application fee · No impact to credit score · 24-hour decisions
Better Credit. More Possibilities.
Better Credit. More Possibilities.
Your credit score can affect more than just your ability to get approved. Stronger credit may help you qualify for better financing opportunities, more favorable interest rates, higher credit limits, housing, vehicles, business funding, and more.
At Trifecta Capital, we help you understand what may be holding your credit back and create a personalized path toward stronger credit. Whether your goal is to purchase a home, finance a vehicle, grow a business, or simply build a stronger financial future, we're here to help you take the next step.
Improve Your Credit. Expand Your Options.
Stronger credit opens doors. Here's what better credit can do for you:
- Qualify for better financing rates
- Access higher credit limits
- Improve home & auto approval odds
- Strengthen your business funding profile
The Process
From Application to Funding
Apply in Minutes
Complete our short inquiry form. No lengthy paperwork, no commitment.
Advisor Review
A dedicated Trifecta advisor reviews your application within 24 hours.
Tailored Proposal
We present financing options structured around your business goals.
Funding Delivered
Once approved, funds are typically delivered within 3 business days.
FAQ
Common Questions
Don't see your question here? Reach out — we're happy to walk you through your options.
What credit score do I need to qualify?
We work with businesses across a range of credit profiles. While stronger credit typically unlocks better rates, we evaluate the full picture — revenue, time in business, and growth trajectory — not just a score.
How long does the approval process take?
Most decisions are made within 24 hours of receiving a complete application. Funding typically follows within 3 business days of approval.
Is there a minimum time in business requirement?
Most of our programs require at least 1 year in business, though some products are available to businesses as young as 6 months with strong revenue.
Will applying affect my credit score?
Our initial inquiry uses a soft pull that does not impact your credit score. A hard pull is only performed after you choose to move forward with a specific offer.
Can I apply for multiple products at once?
Yes. Many of our clients use a combination of products — for example, a term loan for a capital project alongside a line of credit for ongoing cash flow needs.
How does the Personal Credit Building program work?
We start with a full analysis of your personal credit profile, then build a 90-day action plan targeting the factors with the biggest impact on your score. Your advisor works with you monthly to track progress, address disputes, and coach you on utilization and tradeline strategy.
How much can the credit building program improve my score?
Results vary based on your starting profile, but clients who follow their 90-day plan consistently see meaningful improvement. Many use the program specifically to qualify for better loan terms within 3–6 months.
Document Review
Submit Your Documents for Review
Lenders evaluate your application based on a core set of documents. Submitting complete, accurate records upfront speeds up the approval process and gives you the best chance at favorable terms.
Government-Issued ID
Driver's license, passport, or state ID (front & back accepted)
Credit Report
Personal or business credit report from any bureau
Bank Statements
Most recent 4 months of business or personal bank statements
Tax Returns
Last 3 years of personal and/or business tax returns
Business License
Current business license or articles of incorporation
Universal Merchant Credit Application
Ready to apply for funding? Complete our one-page merchant credit application online and sign electronically. Takes about 5 minutes.
Ready to find the right fit?
Apply in minutes. A Trifecta advisor will follow up within one business day.