14 Business Funding Products — All Through Investor1st Funding
From same-day working capital to government-backed SBA loans, bridge financing, fix & flip, cannabis, and more — we have a funding program for nearly every business need. Up to $5 million. Decisions as fast as the same day.
Powered in partnership with ROK Financial — a leading business funding marketplace.
14
Funding Products
$5M
Max Funding Amount
Same Day
Funding Available
No Min
Credit Score on Select Products
Not Sure Which Product Fits Your Business?
Tell us what you are looking for and a member of our team can discuss possible fit. You can start with contact details and share specifics later.
Business Funding Built for Active Operators
Real estate investors need more than a mortgage. Between down payments, closing costs, renovation overruns, and the capital required to run multiple deals at once — flexible business funding is often what separates investors who scale from those who stall.
Our 14 business funding programs cover everything from same-day working capital to government-backed SBA loans, fix & flip financing, residential investment property loans, bridge capital, and more — without the red tape of traditional bank lending.
Start with a short contact form. A team member can discuss the available options and next steps with you.
Typical Borrower Profile
Industries We Help Access Capital
Our 14 Business Funding Products
Explore the product types below. Start an on-site conversation with our team to discuss which options may fit your situation.
Working Capital Loans
Short-term financing to maintain cash flow and cover everyday operational expenses — payroll, rent, inventory, and growth opportunities.
Minimum Qualifications
- 4+ Months in Business
- $10,000+ Monthly Gross Sales
- No Minimum Credit Score
Fast Facts
- Same Day Funding
- Up to 10-Year Terms
- Up to $5 Million
- No Use of Funds Restrictions
- No Collateral Required
Business Line of Credit
A revolving credit line you draw from as needed. Interest is paid only on the amount borrowed — ideal for managing cash flow or covering unexpected expenses.
Minimum Qualifications
- 6+ Months in Business
- $10,000+ Monthly Gross Sales
- 600+ Credit Score
Fast Facts
- Same Day Funding
- Up to $5 Million
- Flexible Repayment Terms
- Interest Only on Amount Used
- Revolving — Reusable After Repayment
Small Business Loans
General-purpose small business financing for a wide range of needs — operations, growth, hiring, marketing, or any other business expense.
Minimum Qualifications
- 4+ Months in Business
- $10,000+ Monthly Gross Sales
- No Minimum Credit Score
Fast Facts
- Same Day Funding Available
- Up to $5 Million
- Flexible Terms
- No Use of Funds Restrictions
- No Collateral Required
Bridge Loans
Short-term bridge financing to cover the gap between immediate capital needs and long-term financing — perfect for time-sensitive deals and transitions.
Minimum Qualifications
- 4+ Months in Business
- $10,000+ Monthly Gross Sales
- No Minimum Credit Score
Fast Facts
- Funding in as Little as 1–3 Days
- Up to $5 Million
- Short-Term (3–24 Months)
- Flexible Use of Funds
- Stacks with Other Financing
Term Loans
Lump-sum funding repaid in fixed installments. Fixed or variable rate. Ideal for major expenses, equipment, or portfolio expansion.
Minimum Qualifications
- 2+ Years in Business
- $10,000+ Monthly Gross Sales
- 660+ Credit Score
Fast Facts
- Funding in 1–3 Days
- Monthly Payments Available
- Traditional APR
- No Prepayment Penalties
SBA Loans
Government-backed loans for starting or expanding a business. Lower rates, longer terms, and the ability to refinance existing business debt.
Minimum Qualifications
- 2+ Years in Business
- $120,000+ Annual Gross Sales
- 675+ Credit Score
Fast Facts
- Capital-Partner Approval Required
- Up to 25-Year Terms
- Up to $5 Million
- Government-Backed
- Eligible Business Debt Refinancing
Residential Investment Property
Financing inquiries for investment properties to renovate or hold for rental income. We package your scenario for capital-partner underwriting and approval.
Minimum Qualifications
- Prior Investment History
- Minimum Property Value $250,000
- 650+ Credit Score
Fast Facts
- Individual Scenario Review
- Closing Timeline Depends on Underwriting
- Partner-Specific Terms
Fix & Flip Financing
Short-term loans for real estate investors to purchase, renovate, and sell properties. Funding based on the property's after-repair value (ARV).
Minimum Qualifications
- 680+ Credit Score
- 3 Successful Flips in Last 36 Months
Fast Facts
- Partner-Specific Terms
- Purchase and Rehab Eligibility Reviewed Individually
- Payment Terms Subject to Approval
- 1–4 Unit Investment Properties
Equipment Financing
Finance almost any tangible business asset — medical equipment, office furniture, production equipment, or technology — via loan or lease.
Minimum Qualifications
- No Minimum Time in Business
- No Minimum Gross Sales
- 580+ Credit Score
Fast Facts
- Funding in as Little as 2 Days
- Low or No Down Payment
- 1–5 Year Terms
- Up to $5 Million
- Monthly Payments Available
Commercial Real Estate
Financing for office buildings, retail locations, warehouses, and industrial facilities. Potential for income generation, tax advantages, and long-term appreciation.
Minimum Qualifications
- 650+ Credit Score
- Property Documentation Required
- Down Payment Required
Fast Facts
- Income Generation Potential
- Tax Advantages
- Hedge Against Inflation
- Long-Term Appreciation
Accounts Receivable Financing
Sell or finance outstanding invoices for immediate working capital. Lower rates and no collateral beyond the receivables themselves.
Minimum Qualifications
- $500,000+ Annual Gross Sales
- Aging Report Required
- No Minimum Credit Score
Fast Facts
- Funding in as Little as 2 Days
- Up to 10-Year Terms
- Up to $5 Million
- Lower Interest Rates
- No Other Collateral Required
Purchase Order Financing
Finance confirmed customer purchase orders so you can fulfill large contracts without tying up your working capital or missing out on growth opportunities.
Minimum Qualifications
- Confirmed PO from Creditworthy Buyer
- No Minimum Time in Business
- No Minimum Credit Score
Fast Facts
- Funding in as Little as 2 Days
- Up to 100% of PO Value
- Up to $5 Million
- No Collateral Beyond PO
- Flexible Terms
Franchise Financing
Funding to purchase and operate a franchise business. Covers franchise fees, equipment, inventory, working capital, and down payments.
Minimum Qualifications
- 6+ Months in Business
- $10,000+ Monthly Gross Sales
- No Minimum Credit Score
Fast Facts
- Funding in as Little as 2 Days
- Up to 10-Year Terms
- Up to $5 Million
- Flexible Use of Funds
Cannabis Financing
Specialized financing for licensed cannabis businesses — dispensaries, cultivators, processors, and distributors operating under a valid state license.
Minimum Qualifications
- Active State License Required
- 6+ Months in Business
- No Minimum Credit Score
Fast Facts
- Funding in as Little as 2–5 Days
- Up to $5 Million
- Specialized for Licensed Operators
- No Use of Funds Restrictions
- Multiple Product Types Available
Start with contact details; no property or business documents are needed at this stage.
What may help with a review
You can start without documents. Details that may be useful in a later conversation vary by funding type.
Business overview
A short explanation of your business and how you plan to use funds can help guide the conversation.
Business Bank Statements
4–6 months of business bank statements showing monthly deposit activity and cash flow.
Additional Docs (by product)
SBA loans require tax returns, P&L, and balance sheet. Equipment financing requires an invoice. Real estate products require property details.
Fast Turnaround
Availability and timing depend on the capital partner's underwriting, documentation, and closing conditions. We cannot guarantee approval or funding dates.
Start with a funding conversation
Share your contact details first. Our team can explain what may be needed for a specific program.
Common Questions
What types of businesses do you fund?
We package business financing inquiries for capital-partner review, including real estate investors, healthcare providers, contractors, restaurants, trucking companies, retail stores, auto repair shops, manufacturers, wholesale/distribution companies, professional services firms, and franchise operators. Availability depends on the partner's industry, location, and underwriting requirements; submitting an inquiry is not approval.
How do I get started?
Share your name, phone, and email through our on-site inquiry form. Property, business, and financing details are optional at first; a representative can discuss what is relevant for your situation.
Can I use business funding as a down payment on a real estate loan?
Business capital can be used as a source of funds for down payments and closing costs, provided it is properly documented. Full disclosure to your lender is key — let them know all capital sources upfront and there's typically no issue.
What credit score is required?
Requirements vary by product. Working Capital Loans, Small Business Loans, Accounts Receivable Financing, Purchase Order Financing, Franchise Financing, and Cannabis Financing have no minimum credit score. Business Lines of Credit start at 600, Equipment at 580, Commercial RE and Residential Investment at 650, Term Loans at 660, Fix & Flip at 680, and SBA Loans at 675.
How quickly can funding be approved and disbursed?
Timing varies by program and capital partner. Complete documentation may help review, but no approval, funding date, or closing timeline is guaranteed. Investor1st packages the inquiry; the capital partner makes the lending decision.
Is there a cost to apply?
Submitting an inquiry starts a conversation and is not an application or credit decision. Any later process and costs depend on the program and capital partner.
Ready to Access Business Funding?
Start with your contact details. A person will discuss relevant business funding options with you.
All funding subject to lender approval. Products, rates, and terms subject to change.