Lending Solutions
Real Bank Financing,
Built for Growing Businesses
Four financing solutions backed by 75+ banking partners. Fixed monthly payments, transparent terms, and a dedicated consultant on every deal. No predatory MCAs. No daily withdrawals.
Four Paths to Real Bank Capital
Whether you need working capital, want to escape MCA debt, or are ready to expand, we have the right product from the right bank for your exact situation.
Compare vs MCA
Bank Term Loans
Our flagship product. Conventional working capital with fixed monthly payments and rates starting at 9%. The foundation of healthy business finance.
MCA Debt Restructuring
Buried in predatory daily payments? We refinance MCA stacks into structured monthly loans, saving clients an average of $23,000 per month.
SBA Loans
Government-backed financing with the longest terms and lowest rates available. Ideal for business expansion, acquisition, real estate, and equipment.
Lines of Credit
Revolving capital to manage cash flow, cover seasonal gaps, or seize opportunities. Interest-only payments on what you draw. Replenishes as you repay.
Bank Term Loans
Our Core Product: Conventional Bank Financing
This is what Integrity Cap was built on. Fixed monthly payments, transparent rates, no daily or weekly withdrawals. We match you with a bank from our network of 75+ partners that fits your exact profile, not a one-size-fits-all product.
Term loans give your business predictability. You know your payment the day you sign. Your cash flow stays protected and your business stays yours.
-
Fixed monthly paymentsSame payment every month. No surprises, no fluctuation based on revenue.
-
Rates starting at 9%True interest rates, not factor rates. You know exactly what financing costs.
-
Terms of 2 to 15 yearsLong repayment windows keep payments low and cash flow healthy.
-
75+ banking partnersWe find the right bank for you, not the bank that is easiest for us.
-
No prepayment penaltiesPay off early and save on interest with most of our bank partners.
to $10M+
MCA Debt Restructuring
Escape Predatory MCA Debt. For Good.
Merchant Cash Advances extract daily or weekly payments directly from your bank account regardless of your revenue. We've seen businesses lose $30,000 to $80,000 per month to MCA stacks. We stop the bleeding and replace it with structured monthly bank loans.
Our clients save an average of $23,000 per month after restructuring. That is $276,000 per year flowing back into your business instead of disappearing to MCA companies.
-
Stop daily withdrawals immediatelyWe move fast. Your cash flow is protected the moment you are approved.
-
Consolidate multiple MCAsOne clean monthly payment replaces a stack of daily withdrawals from multiple funders.
-
True interest rates vs factor ratesGo from a 1.49x factor rate to a real bank interest rate. The difference is substantial.
-
Factoring and AR financing includedWe also restructure accounts receivable funding and factoring arrangements.
-
Dedicated restructuring consultantAn expert who understands your specific MCA agreements, not a call center representative.
"My monthly expenses dropped $23,000 after Integrity Cap restructured my MCA debt. I was drowning in daily payments and they literally saved my company."
SBA Loans
Government-Backed Financing With the Longest Terms Available
SBA loans are the gold standard of small business financing. Government backing allows our bank partners to offer terms up to 25 years and lower rates than conventional products, dramatically reducing your monthly payment.
We specialize in SBA 7(a) and SBA 504 programs. Ideal for expansion, acquisition, real estate purchase, and major equipment buys where long-term financing creates the most leverage.
-
SBA 7(a) for working capital and acquisitionsMost flexible program. Up to $5M for general business purposes including buyouts and expansions.
-
SBA 504 for real estate and equipmentUp to $5M+ for major assets. Fixed rates for the life of the loan. Requires only 10% down.
-
Rates from 10.25% to 16%Substantially cheaper than most alternative financing products available to small businesses.
-
25-year terms on real estateNo commercial loan product offers lower monthly payments on property purchases.
-
We manage the entire SBA processSBA paperwork is complex. We prepare your complete package and liaise directly with SBA-preferred lenders.
and 504
Lines of Credit
Flexible Revolving Capital. Draw When You Need It.
Unlike a term loan, a line of credit is revolving. You draw what you need, pay interest only on what you use, and replenish the facility as you repay. It is the most flexible form of working capital available.
Ideal for managing seasonal cash flow gaps, taking advantage of time-sensitive opportunities, covering payroll, or maintaining a liquidity cushion without paying interest on unused funds.
-
Interest only on drawsYou are not paying for capital sitting unused in the facility. Maximum efficiency.
-
12 to 18 month terms, renewable annuallyLines are typically renewed each year, building a long-term banking relationship.
-
Prime-plus pricingCompetitive rates tied to the prime rate. Transparent and predictable from day one.
-
Replenishes as you repayRepay a draw and the capacity comes back, like a business credit card but at bank rates.
-
Often paired with term loansMany businesses use a LOC for flexibility and a term loan for long-term capital needs simultaneously.
to $1M+
From Application to Funding in Days
No guessing, no runaround. A clear five-step process from your first call to funded capital in your bank account.
Apply Online
5-minute online application. Basic business and revenue information only.
Document Collection
Your dedicated consultant helps you gather exactly what each lender needs, no more and no less.
Underwriting Package
We assemble a professional submission package that positions your business for the best possible outcome.
Lender Submission
We submit to the right lenders from our 75+ partner network. Precision over volume, every time.
Approval and Funding
Average 72-hour approval. Once closing docs are signed, funds hit your account within days.
Bank Financing vs. Merchant Cash Advances
The difference is significant. MCAs are designed to extract maximum capital from your business. Bank loans are designed to support it.
| Factor | Integrity Cap (Bank Loans) | Merchant Cash Advances |
|---|---|---|
| Payment Frequency | Monthly Fixed | Daily or Weekly |
| Cost of Capital | +2.75% to 9.5% APR | 60% to 350%+ APR |
| Loan Term | 2 to 25 years | 3 to 24 months |
| Predictable Cash Flow | ||
| Builds Business Credit | ||
| FDIC Regulated Lender | ||
| Transparent Total Cost | ||
| Prepayment Savings | ||
| Dedicated Human Consultant |
Eligibility Requirements
Most established businesses qualify. Here are the core benchmarks we look for across our bank lending programs.
Ready to Find Out What You Qualify For?
Our 5-minute application gives us everything we need to match you with the right lender and the right product. No hard credit pull until you move forward. No obligation.