PRIME STANDINGFinancial Services
Capital Solutions

Business Funding Built Around Real Business Revenue

We structure custom capital programs for U.S. entrepreneurs. Whether you need an unsecured line of credit, revenue-based working capital, or equipment financing, we match your current profile to the right lending program.

Our Business Funding Programs

No single loan product fits every business. We review your bank statements and credit structure to deploy the capital tool that fits your timeline and cash flow.

Unsecured Business Lines of Credit

$25,000 - $250,000
Rates/Terms: Prime + 2% - 8%
Structure: Revolving (Re-use as paid)

Businesses that need ongoing liquidity, cash flow cushion, or immediate working capital for payroll and inventory.

Program Highlights:
  • Draw capital only when needed
  • Pay interest exclusively on drawn balances
  • No collateral required for qualified applicants

Term Loans & Expansion Capital

$50,000 - $1,000,000
Rates/Terms: Fixed Monthly Payments
Structure: 12 to 60 Months

Established companies funding heavy growth, acquiring competitor contracts, or making large capital investments.

Program Highlights:
  • Predictable fixed monthly amortized payments
  • Early payoff options with fee reductions
  • Higher limits based on 6+ months bank revenue

Revenue-Based Capital

$15,000 - $500,000
Rates/Terms: Factor Rate 1.12 - 1.35
Structure: 3 to 18 Months

Business owners with strong monthly bank deposits ($15k+/mo) whose personal credit profile is currently under repair.

Program Highlights:
  • Underwritten primarily on business bank cash flow
  • Flexible daily or weekly micro-remittances
  • Same-week approval and funding speed

Equipment & Vehicle Financing

Up to 100% Equipment Value
Rates/Terms: Competitive Lease/Loan Rates
Structure: 24 to 72 Months

Transportation, trucking, construction, medical, and manufacturing businesses needing specialized machinery or fleet vehicles.

Program Highlights:
  • The purchased equipment acts as collateral
  • Preserves cash flow and credit lines for operational use
  • Section 179 tax deduction eligible

Business Credit Card Stacking

$25,000 - $150,000
Rates/Terms: 0% Intro APR Available
Structure: Revolving (Re-use as paid)

Founders who want unsecured, revolving capital from multiple business credit cards issued simultaneously, with no impact to personal credit utilization.

Program Highlights:
  • Multiple cards approved in a single coordinated pull
  • 0% introductory APR periods up to 18 months
  • Reports to business credit, builds your EIN profile

What Lenders Look For vs. How Prime Standing Prepares You

When banks decline a small business loan, it is usually caused by one of three core profile flaws. Prime Standing fixes the flaw before submitting your application.

1

Personal Credit Utilization

High revolving personal credit balances drop your credit score and signal risk to commercial underwriters. We help lower utilization and remove reporting errors.

2

Banking Negative Records

ChexSystems and EWS red flags prevent opening business operating accounts. We dispute and resolve reporting items so you can maintain a clean business bank profile.

3

Thin Commercial Credit

Lenders hesitate when a business has no Dun & Bradstreet or Experian Commercial history. We build tier-1 vendor lines attached directly to your corporate EIN.

Ready to Structure Your Funding Strategy?

Schedule a zero-obligation capital assessment with Prime Standing Financial Services. We will analyze your revenue, credit standings, and timeline.