Other BFS Capital Funding Options
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Equipment Financing
Current business owners and startups can get approved for equipment leasing or financing to grow their business or replace broken equipment. Get financed in as little as 24 hours for non-titled equipment and 5 days for titled items. With simple credit qualifications and 12 to 60-month payback terms, you can buy the equipment at the end of the lease or purchase a new one. Startups can receive up to $50k, while non-startups can finance up to $150k per application. Industries that often require equipment financing include Construction, Trucking, Manufacturing, and Medical.
Real Estate-Based Lending
Our real estate-based lending options provide business owners with the capital they need by leveraging property assets. This funding is ideal for businesses looking to expand, renovate, invest, or build in new real estate opportunities. With competitive rates and flexible terms, real estate lending can be a powerful tool for growth.
Personal Term Loans
BFS Capital offers personal term loans that allow business owners to borrow a fixed amount of money and repay it over a set period with predictable monthly payments. These loans are perfect for business owners who need to cover unexpected expenses, consolidate debt, or make large purchases without the fluctuations that come with variable interest rates. With quick approval times and flexible terms, personal term loans provide a reliable funding solution tailored to your needs.
SBA Loans
Small Business Administration (SBA) loans are a great option for businesses looking for long-term, low-interest financing backed by the government. Whether you’re looking to expand your business, purchase real estate, or acquire equipment, SBA loans offer competitive rates and extended repayment terms that make them a preferred choice for small businesses. Our team at BFS Capital will guide you through the SBA loan process, ensuring you meet the necessary requirements and secure the best possible terms.
Invoice Factoring
Invoice factoring is a financing solution that allows businesses to convert their outstanding invoices into immediate cash. This option is ideal for businesses that need to maintain cash flow while waiting for clients to pay their invoices. By selling your invoices, you can receive a significant percentage of the invoice value upfront, with the balance paid once your client settles the invoice. This service helps businesses avoid cash flow gaps and manage day-to-day operations more effectively.
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I have questions but I’m not ready to move forward — what should I do?No problem! Just email us at info@trybfs.com and we’ll help you figure out your next steps.
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Will this show on my personal credit report?No. Your personal credit is used to qualify, but the business lines do not show up on your personal credit report. This protects your debt-to-income ratio.
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Can I use the credit as cash?Yes! You can use the cards just like regular credit cards — for business purchases — and you can also convert them into cash if needed.
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Is this a loan or a line of credit?These are revolving lines of credit, not loans. Loans give you a lump sum and require immediate repayment, even if you don't use the funds. Lines of credit are flexible — like credit cards. You only pay back what you use, and you have access to the funds when you need them.
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How long does it take to get approved and receive funds?Approvals happen within 4–5 hours of submission, and you’ll receive access to your funding in less than 30 days.
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How are the lines issued?The credit is issued through stackable business credit cards from multiple lenders. Each card is part of your total line and can be used separately.
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Do I need business revenue?No. You can be pre-revenue and still qualify. These lines are based on your personal credit profile.