Funding to start, grow, and scale your business
Working capital, expansion, equipment, real estate, invoice factoring, SBA and long-term loans, startup capital, and credit improvement, arranged nationwide. Cheri's background in lending means you get a straight answer about what you qualify for.
Find out which funding you pre-qualify for
Answer a few quick questions and see your funding options instantly. No credit impact. No obligation.
- No obligation consultation
- Compare multiple lender offers
- Flexible terms from 3 to 60 months
- Funding as fast as 24 hours
- No impact on credit score
- Dedicated funding specialist
What kind of funding can your business actually get?
It depends on three things: how long you have been operating, how much revenue is coming in, and what the money is for. A new business with no revenue and a five-year-old company buying its building do not qualify for the same programs.
Cheri helps business owners and professionals across the country secure funding to start, grow, and scale. The intake is a short conversation, not a stack of forms, and it tells you which of the funding goals below is realistic before anyone pulls credit.
- Pre-revenue and new businesses. Startup funding built on the owner's personal credit profile rather than business history.
- Operating businesses that need cash fast. Working capital and invoice factoring sized to your deposits and receivables, often funded in days.
- Owners buying property or equipment. Commercial real estate lending and equipment finance, including owner-occupied buildings.
- Established companies with strong paperwork. SBA and long-term loans with lower rates, in exchange for more documentation.
- Owners growing the business. Expansion capital for a second location, a bigger team, or a new line.
- Files that are not fundable yet. Credit improvement first, so an application is not run into a decline.
Eight funding goals, one application
Tell the application what you are trying to do and it matches you to the programs you realistically qualify for. Cheri is the named partner on the application you submit through, and she reviews every file personally.
Working capital
Cash to cover payroll, inventory, or a slow season. Sized to your monthly deposits and structured so repayment tracks the money actually coming in.
Business expansion
Capital for a second location, a bigger team, or a new line. Underwritten on your track record, so the stronger the last twelve months, the better the terms.
Equipment purchase
Financing tied to the equipment itself, which usually serves as the collateral. Often the cheapest money available to a business with a specific machine or vehicle in mind.
Real estate
Purchase, refinance, or cash-out on commercial property. Underwritten on the property and the business together, with appraisal and title work built into the timeline.
Invoice factoring
Advance against invoices you have already issued but not been paid on. Turns receivables into cash now, which fits businesses whose customers pay on 30, 60, or 90 day terms.
SBA and long-term loans
Government-guaranteed loans with terms up to 10 years for working capital and up to 25 for real estate. The best rates most small businesses can get, in exchange for the most paperwork.
Startup funding
Capital for businesses under two years old or with little revenue. Approval leans on the owner's personal credit, so a clean report matters more than a long track record.
Credit improvement
If the file is not fundable yet, the work is fixing what is holding it back. Cheri will tell you that plainly rather than run an application that ends in a decline.
Private wholesale lending
Access to private wholesale lending for qualified projects seeking larger, more flexible financing outside of traditional bank lending. Built for borrowers with substantial qualifying capital who need institutional-level funding for strong, well-structured projects. Every opportunity is reviewed individually.
Film and entertainment financing
Private financing for qualified film and entertainment projects. Designed for producers who have already raised qualifying capital and are seeking additional funding to move a project forward. Every opportunity is reviewed individually.
How do the main options compare?
General ranges for the market as a whole, not an offer. Your numbers come out of the review.
| Consideration | Startup funding | Revenue-based | Real estate | SBA loan |
|---|---|---|---|---|
| Speed to funding | 1 to 3 weeks | A few business days | 30 to 60 days or more | 30 to 90 days |
| Typical amount range | $10,000 to $150,000 | $10,000 to $500,000 | $250,000 to several million | $50,000 to $5 million |
| What you need | Good personal credit, an EIN, a business bank account | 6 months or more of deposits, recent bank statements | Property details, appraisal, 2 years of financials, down payment | 2 years in business, tax returns, financial statements, a business plan |
| Best for | Launching, first inventory, early equipment | Bridging cash flow, a fast opportunity, seasonal stock | Buying or refinancing the building you operate in | Expansion, acquisitions, refinancing expensive debt |
Startup funding
- Speed
- 1 to 3 weeks
- Typical range
- $10,000 to $150,000
- What you need
- Good personal credit, an EIN, a business bank account
- Best for
- Launching, first inventory, early equipment
Revenue-based financing
- Speed
- A few business days
- Typical range
- $10,000 to $500,000
- What you need
- 6 months or more of deposits, recent bank statements
- Best for
- Bridging cash flow, a fast opportunity, seasonal stock
Real estate lending
- Speed
- 30 to 60 days or more
- Typical range
- $250,000 to several million
- What you need
- Property details, appraisal, 2 years of financials, down payment
- Best for
- Buying or refinancing the building you operate in
SBA loan
- Speed
- 30 to 90 days
- Typical range
- $50,000 to $5 million
- What you need
- 2 years in business, tax returns, financial statements, a business plan
- Best for
- Expansion, acquisitions, refinancing expensive debt
Amounts, timelines, and requirements are general industry ranges and vary by lender and program. Revenue-based financing is highlighted for speed, not for cost. Nothing here is a commitment to lend.
What decides the rate and the amount?
Six factors, roughly in order of weight. Two of them you can improve before you apply, and one of them you can fix this week.
Two years opens most doors, including SBA. Under a year narrows the list to startup and revenue-based programs.
Lenders size the offer to monthly deposits and annual sales. Consistent revenue counts for more than one big month.
The owner's personal score sets the rate on most programs. Higher scores widen the options and lower the cost.
Equipment, property, or expansion with a clear return is easier to fund than an unspecified cushion.
Property, equipment, or receivables lower the lender's risk and the rate. Many revenue-based programs need none.
Tax returns, bank statements, and a profit and loss statement ready to send. This is the one you can fix this week.
Nationwide funding, arranged directly by Cheri
Business funding is not an insurance product, so Cheri can serve business owners nationwide. Through Ascend's business funding platform, she connects owners with several proprietary and private lending options.
Her experience matters. Before founding Ascend Financial Wellness Group, Cheri built her career in mortgage banking, working in management, loan origination, and underwriting. She understands the lending process from every angle and knows how lenders evaluate a file. That experience allows her to provide business owners with a realistic picture of their funding options, not a list of empty promises.
About your credit. The initial review may use a soft credit pull or no credit pull at all. A hard inquiry only occurs when you select a lender and move forward with a full application. Cheri will make sure you understand each step before proceeding.
From intake to money in the account
Intake call
Time in business, revenue, credit range, and what the money is for. About 20 minutes, no hard credit pull.
Program match
The programs you realistically qualify for, with speed, cost, and paperwork laid out side by side so you can choose.
Application and funding
Documents submitted through the partner platform, lender questions handled, and funds wired on the lender's timeline.
Business funding questions
Working capital, business expansion, equipment purchase, real estate, invoice factoring, SBA and long-term loans, startup funding, and credit improvement are the main categories.
The right option depends on time in business, revenue, credit, and what the money is for. A quick intake shows which programs you could realistically qualify for before anyone pulls credit.
The initial review does not. Prequalification uses a soft pull or none at all. A hard inquiry only happens when you choose a specific lender and submit a full application.
Cheri will tell you which stage you are at so there are no surprise inquiries on your report.
Revenue-based and working capital programs can fund in a few business days. SBA and real estate loans take weeks because of documentation and appraisals.
Having tax returns, bank statements, and a clear use of funds ready shortens every timeline.
Yes. Key person insurance pays the company if an owner or essential employee dies. Buy-sell agreements funded with life insurance let surviving partners buy out the deceased partner's share without draining the business.
Lenders also often require life insurance on the owner as a condition of an SBA loan, which is one reason funding and life insurance sit side by side in this practice.
Find out what your business qualifies for
A free funding review with Cheri. Bring last year's numbers and a clear use of funds, leave with a realistic list of programs.