NEWCAP PRO structures funding from $50K to $5M for U.S. businesses. Below is a plain-English breakdown of each product we place, what it costs you in flexibility, and when it actually makes sense.
A lump sum of capital repaid on a fixed schedule. Fastest path to cash when revenue is strong but timing is off. Funding is typically available within 24–72 hours of approval.
Draw only what you need and pay interest only on the balance you use. The line replenishes as you repay, which makes it useful for businesses with recurring cash-flow swings.
The equipment itself acts as collateral, which usually means lower rates and longer terms than unsecured options. Financing can cover new or used equipment plus soft costs like delivery and installation.
An advance against future receivables, repaid as a percentage of daily or weekly sales. Repayment flexes with revenue, but the effective cost is higher than a term loan — we only recommend it when speed matters more than price.
Longer amortization and lower monthly payments for established businesses with documented financials. Best suited to projects with a clear multi-year return.
Property-secured funding for owner-occupied or investment commercial property, including bridge scenarios where timing is tight.
Guidelines only — final terms depend on the funding product and your business profile.
| Time in business | 6+ months |
|---|---|
| Annual revenue | $120K+ |
| Business bank account | Required |
| Documents | 3–6 months of bank statements |
| Credit | Reviewed, not the only factor |