DSCR Loan
Investment property financing that qualifies on the property's rental income.
Best forInvestors buying or refinancing rental property on the property's own income.
Business funding
Capital, matched to how your business actually works.
We help business owners get positioned for the funding products that fit their business, and guide the process from application to close. Explore each product below, or reach out and we’ll walk through the options with you directly.
Funding strategy & positioning
The product is half the answer. Positioning is the other half.
Before anything is submitted, we work out where a file stands and where it belongs. That is a service in its own right, and it is included with every funding engagement.
- —Which product fits the need, the profile, and the timeline
- —How to position the file so the strongest facts lead
- —What to fix or document before submitting, so the first answer is the right one
- —Which of our 1,100+ institutional, regional, and private lending relationships the file belongs with
Funding products
16 core ways to fund what’s next
The right fit depends on your business, your timeline, and what the capital is for. Every product below is subject to lender underwriting and approval.
Real Estate
Investment, commercial, land, and property-backed financing.Bridge Loan
Short-term financing that covers the gap between now and a defined exit: a sale, a refinance, or permanent financing.
Best forA defined short-term gap with a clear exit: a sale, a refinance, or permanent financing.
Commercial Real Estate Loan
Purchase, refinance, or cash-out on commercial property, owner-occupied or investment.
Best forBuying, refinancing, or pulling equity out of office, retail, industrial, or mixed-use property.
Land Purchase
Financing to acquire raw, entitled, or infill land, with or without a build planned.
Best forBuying land ahead of a build, an entitlement play, or a hold.
Refinance / Cash-Out
Refinance an existing property, with or without taking equity out at closing.
Best forAn owner replacing existing financing, or pulling equity out of a property they already hold.
DSCR Cash-Out
Cash-out refinance on an investment property, qualified on the property’s rental income rather than the owner’s.
Best forInvestors pulling equity out of a rental they own, on the property’s own income.
Rehab Loan
Financing that covers acquisition and renovation, drawn against the work as it is completed.
Best forBuying and renovating a property, where the budget and the after-repair value are part of the deal.
Startups
For newer businesses without much revenue history yet.SBA Financing
Government-backed loans for established businesses. Document-heavy, longer timelines.
Best forEstablished businesses that want larger amounts and longer terms and can support a full file.
0% APR Business Credit Cards
Introductory 0% APR business credit cards, qualified on the credit profile rather than documents.
Best forNewer businesses whose owners have a strong personal credit profile.
Personal Loan
Unsecured loans underwritten on the individual's credit profile and income.
Best forIndividuals funding a need without a business entity, revenue history, or collateral.
Cash Advances
Fast working capital repaid from future sales.Merchant Cash Advance
An advance on future receivables, repaid from daily or weekly sales. Fast, and priced for speed.
Best forBusinesses with steady sales that need capital in days and can plan to graduate to lower-cost funding.
SBA
Government-backed, larger amounts and longer terms.SBA Financing
Government-backed loans for established businesses. Document-heavy, longer timelines.
Best forEstablished businesses that want larger amounts and longer terms and can support a full file.
Loans
A lump sum repaid on a set schedule.Business Term Loan
A lump sum repaid on a fixed schedule for planned growth or larger purchases.
Best forA planned purchase, expansion, or one-time project with a known number.
Equipment Financing
Finance equipment with the equipment itself serving as collateral.
Best forVehicles, machinery, and technology, with the equipment itself as collateral.
Equity Acquisition
Capital to buy an ownership stake in a business or property, including partner buyouts.
Best forBuying into a business, buying out a partner, or funding an equity stake in a deal.
Lines of Credit
Revolving capital you draw on as needed.Business Line of Credit
Revolving credit you draw on as needed and pay interest only on what you use.
Best forWorking capital, recurring expenses, inventory, and businesses that want reusable capital.
HELOC
A home equity line of credit used to fund a business, with minimal documentation.
Best forHomeowners with equity who want faster, lighter-documentation funding for a business.
Start here
Not sure which product fits?
You don't need to know. Tell us what you're trying to accomplish and we'll identify the appropriate funding path.
Specialty financing
Don’t see what you need?
Our core solutions are the transactions we place most often, not the limit of our network. Send us the scenario and we’ll review it.
General qualifications
What lenders generally look at
Typical credit guideline
Approximately 650+
A general personal-credit guideline for business lines of credit, term loans, equipment financing, and SBA financing. Our HELOC option carries a lighter general guideline of approximately 600+.
General guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program.
Credit score alone does not determine approval
Depending on the lender and product, underwriting can also review:
- —Business revenue
- —Profitability
- —Cash flow
- —Existing debt
- —Time in business
- —Business bank statements
- —Tax returns
- —Financial statements
- —Personal credit
- —Other supporting documentation
Negative credit
If your credit history isn’t perfect
For most document-based products, we generally prefer negative items — late payments, collections, charge-offs, defaults, and other derogatory credit — to be approximately two or more years old. More recent negative items can make underwriting more difficult, depending on the lender and program.
These are general guidelines, not guaranteed requirements. If recent items are holding your profile back, our credit repair service may be a place to start — and either way, it’s worth a conversation.
At a glance
Compare the products
| Product | Typical credit guideline | Documentation level | Best for |
|---|---|---|---|
| Business Line of Credit | 650+ general guideline | Moderate documentation | Working capital / revolving capital |
| Term Loan | 650+ general guideline | Moderate to higher documentation | Larger business investments |
| Equipment Financing | 650+ general guideline | Moderate documentation | Equipment purchases |
| SBA Financing | 650+ general guideline | Higher documentation | Acquisitions / expansion / longer-term funding |
| HELOC | 600+ general guideline | Very light documentation | Property owners seeking access to available equity |
| 0% APR Business Credit Cards | Profile dependent | Primarily credit / profile driven | Businesses seeking promotional 0% APR revolving credit |
| Personal Loan | 640+ situational; 680+ solid; 740+ strongest | ID, proof of income, credit review | Individuals funding a need without a business entity or collateral |
| DSCR Loan | Profile reviewed; property income drives the decision | Property, rent, entity documents, ID | Purchasing or refinancing rental / investment property |
| Merchant Cash Advance | Flexible; sales volume matters more than score | Recent bank / processing statements, ID | Short-term needs where speed matters more than cost |
| Bridge Loan | Asset and exit driven; profile reviewed | Property or asset details, exit plan, proof of funds, entity documents | Covering a defined gap until a sale, refinance, or permanent financing |
Credit guidelines and documentation levels are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. Subject to lender underwriting and approval.
Don’t see what you need?
Our core solutions are where we start, not where we stop.
The 16 products above are the transactions we place most often. Our lending network of 1,100+ institutional, regional, and private relationships extends beyond them. If you have a niche, specialized, or unusual financing request, send us the scenario. We’ll review it and tell you whether we have a relationship that fits.
- —Industry-specific financing
- —Specialty real estate transactions
- —Unusual collateral
- —Acquisitions and partner buyouts
- —Structured or layered capital
- —Situations that don't fit a single product
Discuss a funding scenario
Share the amount, the purpose, the timeline, and anything unusual. We review every scenario before we say yes or no.
Review is free and carries no obligation. Placement and approval are always subject to lender underwriting.
Common questions
Business funding, answered plainly
What credit score do I need?
For most of our document-based products — business lines of credit, term loans, equipment financing, and SBA financing — approximately 650+ personal credit is a typical guideline, and approximately 600+ is a general guideline for our HELOC option. These are general guidelines, not cutoffs. Credit score alone does not determine approval: depending on the lender and product, underwriting can also review business revenue, cash flow, time in business, and other factors. Requirements vary by lender and program.
What documents will I need?
It depends on the product and the lender. Commonly requested documents may include business bank statements, business formation information, identification, and — for some products — tax returns and financial statements. Each product page on this site lists the documents commonly requested for that product. Requirements vary by lender and program.
Does one late payment disqualify me?
Generally, no. A single negative item is weighed as part of your overall profile, not in isolation. For most document-based products, we generally prefer negative items — late payments, collections, charge-offs, defaults — to be approximately two or more years old; more recent items can make underwriting more difficult. Subject to lender underwriting and approval.
How long does business funding take?
It varies by product and lender. Some options involve lighter documentation and generally move more quickly, while others — such as SBA financing — typically involve more underwriting and take longer. We don't promise timelines. Once we understand your situation, we can walk you through what to generally expect for the products that fit.
Can TK Capital Solutions help me determine which product fits me?
Yes — that's the core of what we do. We review your business, your credit profile, and your goals, then position you toward the products and lenders that make sense for your situation. TK Capital Solutions is not a lender; all funding is subject to lender underwriting and approval.
Find out what fits your business
Tell us what you’re working on. We’ll tell you honestly what your options look like.
TK Capital Solutions is not a lender and is not a government agency. The guidelines on this page are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. All funding is subject to lender underwriting and approval.