Business lines of credit
Reusable liquidity for inventory, payroll, timing gaps and recurring operating needs.
Cash flow · banking · creditAXIS LENDING NETWORK
One strong funding file. More ways to finance the business.
AXIS combines score-driven file intelligence with a selected funding-source network. We identify the capital categories the evidence supports, strengthen the file and approach relevant relationships only after you choose to move forward.
The advantage is not a longer lender list.It is knowing which relationships fit the amount, purpose, timeline and current strength of the file.
FREE SCORE · NO LENDER SUBMISSION · SOURCE-CONTROLLED ELIGIBILITY
Selected funding-source relationshipsWorking capitalEquipment financingSBACommercial real estateAcquisition financing
50+Relationships matched to the verified file
2BCapital structures evaluated
10,000Eligibility, pricing and final decisions
INTERACTIVE PAYMENT ESTIMATOR
Move the bars. See how amount and time change the payment.
Explore illustrative amortizing-loan math before testing which funding structures the business may support.
Illustrative annual-rate band8% 18%Actual pricing depends on the verified file, structure and funding source.
Illustrative amortizing-loan payments use an 8% to 18% annual interest-rate range. Many business-financing products use different pricing, fees and repayment structures. This is educational math, not a quote, offer, approval or commitment to lend.
LOAN AND CAPITAL SPECTRUM
See which structures your file may be positioned to pursue.
The AXIS Score connects the request to realistic categories before a funding source reviews or prices the transaction.
Term and SBA financing
Longer-term capital for expansion, refinancing, acquisitions and durable business investment.
History · cash flow · full fileEquipment and vehicle financing
Purpose-built structures that align the payment and term with a productive asset.
Asset · useful life · cash flowCommercial real estate and construction
Owner-occupied property, investment real estate, ground-up construction and project capital.
Property · equity · debt serviceAcquisition and expansion capital
Capital for business purchases, partner buyouts, new locations and larger growth plans.
Transaction · sponsor · repaymentAsset-based and receivables financing
Structures built around receivables, inventory, equipment or other eligible business assets.
Collateral · controls · liquidityAdditional relationships can supportRevenue-based working capitalInvoice and factoring programsInventory and purchase-order capitalFranchise financingBridge and refinance structures
DATA-BACKED PRODUCT CATALOG
One source for structure, fit and evidence.
Typical market references only - not lender credit boxes, quotes or offers. Eligibility comes only from current verified source criteria.
Revenue Based
Revenue-Based Financing
- Repayment
- Daily Or Weekly
- Typical amount
- $10,000 - $500,000
- Typical term
- 3 - 18 months
- Market reference
- FactorLow 1.15 · FactorHigh 1.49
Best forshort-term working capital · inventory · payroll gap
Avoid whenlong-term assets · large-scale debt consolidation · thin-margin businesses
Required document types · 4
- Application
- Bank Statements 4mo
- Voided Check
- Drivers License
Term
Term Loan
- Repayment
- Monthly
- Typical amount
- $25,000 - $500,000
- Typical term
- 12 - 60 months
- Market reference
- AprLow 9% · AprHigh 30%
Best forlonger-term growth · planned working capital · refinancing with demonstrated coverage
Avoid whenemergency cash with no repayment capacity · unprofitable businesses without a credible turn-around
Required document types · 6
- Application
- Bank Statements 6mo
- Business Tax Returns 2yr
- Ytd Pnl
- Balance Sheet
- Debt Schedule
Revolving Credit
Business Line of Credit
- Repayment
- Monthly Or Weekly
- Typical amount
- $10,000 - $250,000
Best forrecurring working-capital swings · seasonal inventory · short receivables gaps
Avoid whenone-time long-lived asset purchases · permanent operating losses
Required document types · 4
- Application
- Bank Statements
- Business Tax Returns
- Ytd Pnl
Government Guaranteed
SBA 7(a)
- Repayment
- Monthly
- Typical amount
- Varies - $5,000,000
- Typical term
- varies by use months
Best forbusiness acquisition · long-term growth capital · owner-occupied real estate
Avoid whenurgent funding · open revenue-advance stacking · ineligible industries
Required document types · 9
- Business Tax Returns 3yr
- Personal Tax Returns 3yr
- Personal Financial Statement
- Debt Schedule
- Business Plan
- Projections
- Use Of Proceeds
- Entity Documents
- Sba Forms
Government Guaranteed Fixed Asset
SBA 504
- Repayment
- Monthly
- Typical term
- 120 - 300 months
Best forowner-occupied commercial real estate · heavy equipment · long-lived fixed assets
Avoid whenworking capital · passive investment real estate · non-owner-occupied property
Required document types · 7
- Application
- Business Tax Returns
- Personal Financial Statement
- Project Costs
- Purchase Agreement
- Appraisal
- Environmental Review
Equipment
Equipment Financing
- Repayment
- Monthly
- Typical amount
- $5,000 - $5,000,000
- Typical term
- 24 - 84 months
- Market reference
- AprLow 6% · AprHigh 30%
Best fortitled equipment · production equipment · assets with useful life matching the term
Avoid whengeneral working capital · obsolete equipment · transactions without an invoice
Required document types · 5
- Application
- Equipment Invoice
- Bank Statements
- Equipment Details
- Drivers License
Equipment
Equipment Lease
- Repayment
- Monthly
Best forequipment with regular upgrade cycles · cash-flow preservation · assets whose use matters more than ownership
Avoid whenborrowers expecting ownership without understanding the buyout · equipment with weak resale value
Required document types · 4
- Application
- Equipment Invoice
- Bank Statements
- Equipment Details
Receivables
Invoice Factoring
- Repayment
- Invoice Collection
Best forslow-paying B2B invoices · B2G receivables · young businesses with creditworthy customers
Avoid whenconsumer invoices · disputed invoices · highly concentrated unverified receivables
Required document types · 5
- Ar Aging
- Sample Invoices
- Customer List
- Articles
- Ucc Search
Receivables
Accounts Receivable Line
- Repayment
- Revolving On Collections
Best forrecurring B2B receivables · working-capital tied to an asset base · growing invoice volume
Avoid whenconsumer receivables · stale or disputed AR · businesses without reporting controls
Required document types · 6
- Ar Aging
- Borrowing Base Certificate
- Sample Invoices
- Customer List
- Financial Statements
- Ucc Search
Commercial Real Estate
Commercial Real Estate - Permanent
- Repayment
- Monthly
- Typical amount
- $250,000 - $50,000,000
- Typical term
- 60, 84, 120 months
Best forstabilized income-producing property · long-term holds · refinancing with durable NOI
Avoid whenheavy lease-up · unresolved construction risk · short-term transitional business plans
Required document types · 7
- Rent Roll
- Trailing 12
- Historical Operating Statements
- Personal Financial Statement
- Schedule Of Real Estate Owned
- Appraisal
- Environmental Review
Commercial Real Estate
Bridge / Transitional
- Repayment
- Monthly Interest Only
- Typical term
- 12 - 36 months
Best forvalue-add acquisitions · lease-up · time-sensitive acquisitions with a credible exit
Avoid whendeals without a tested refinance or sale exit · stabilized assets suited to permanent debt
Required document types · 7
- Sources And Uses
- Business Plan
- Renovation Budget
- Rent Roll
- Trailing 12
- Sponsor Financial Statement
- Exit Analysis
Business Acquisition
Acquisition Financing
- Repayment
- Monthly
Best forbuying an operating business · succession transactions · acquisitions with documented historical cash flow
Avoid whentransactions without an LOI · unsupported valuation · buyers without required equity or relevant experience
Required document types · 7
- Loi Or Purchase Agreement
- Target Financials 3yr
- Target Tax Returns
- Buyer Resume
- Personal Financial Statement
- Valuation
- Sources And Uses
Merchant Services
Credit-Card Processing
- Repayment
- Transaction Fees
Best forbusinesses accepting card payments · operators seeking transparent processing economics · merchant-services review
Avoid whenbusinesses without card volume · prohibited activity · using processing as a disguised credit promise
Required document types · 4
- Processing Statements
- Application
- Entity Documents
- Voided Check
THREE UNDERWRITING DOORS
The same business can qualify differently depending on what supports the request.
Cash-flow led
Working capital, lines of credit, flexible term and revenue-based structures.
Best evidence: bank statements, deposit pattern, balances and current obligations.Asset led
Equipment, vehicles, receivables, inventory and asset-backed capital.
Best evidence: asset value, useful life, ownership, invoices and borrowing base.Committee led
SBA, commercial real estate, acquisitions, construction and larger term requests.
Best evidence: complete financial file, transaction story, equity and repayment capacity.HOW AXIS USES THE NETWORK
Analyze first. Match second. Submit deliberately.
AXIS does not spray the same request across the market. The score, verified evidence and transaction structure narrow the field before a funding-source conversation begins.
- 01Score the fileRead cash flow, credit, stability, documentation and the capital objective.
- 02Verify the evidenceConfirm the facts that determine structure, amount and timing.
- 03Map relevant relationshipsCompare the file against the requirements of appropriate capital categories.
- 04Move with permissionNo source is approached until the engagement and submission controls are complete.
What network access does and does not mean
It expands the set of relevant structures AXIS can evaluate. It does not guarantee approval, the highest amount or the lowest price. Each funding source controls eligibility, underwriting, pricing and the final credit decision. Funding-source identities are not published before the engagement process is complete.
Find the doors your file is ready to open.
Start with the free AXIS Score. See the likely funding paths before deciding whether to move forward.
The intelligence layer behind every AXIS path
The score is not the finish line. It shows what to do next.
AXIS turns business, banking, credit and document signals into one five-pillar read. A stronger, verified file can expand the structures, amounts and pricing worth testing, but every final decision and term remains with the funding source.
01AnalyzeSee the profile lenders may test.
02StrengthenWork the gap with the most leverage.
03Fund or monitorTest the path now, or keep building.
AXIS ENGINE · ILLUSTRATIVE PROFILELIVE READ
72AXIS SCORE
Current read
A fundable path, with room to strengthen.
Verify the file and improve the leading gap before comparing terms.
SCORE · PATH · GAPNO CREDIT DECISION