Sab Tera arranges working-capital and growth financing for operating businesses across 20 markets — separate from our real estate hard-money lending. Choose from Bridge Financing, Term Loans, a Revolving Line of Credit, Merchant Cash Advance, Accounts Receivable Financing, Equipment Financing, SBA Loans, or a Business HELOC (LLC). Underwriting is built around your bank deposits, revenue, invoices, or collateral — not a rigid bank scorecard — with decisions issued the same business day.
Most business owners who go looking for financing quickly discover a fragmented market. A bank will consider a term loan but wants two years of tax returns, a personal guarantee, and six weeks to decide. An online marketplace will collect an application and then hand it off to whichever partner lender happens to bid on the file that week, with no guarantee of consistency in underwriting or communication. A merchant cash advance broker will fund in hours but bury the true cost inside a factor rate that is difficult to compare to anything else. Each of these paths solves one problem while creating another — speed at the expense of transparency, or transparency at the expense of speed.
Sab Tera built its business financing line to remove that trade-off. Rather than picking a single product and forcing every business through it, we arrange eight distinct programs so the underwriting approach matches the actual shape of the business's cash flow. A restaurant with strong, consistent card swipes looks different on paper than a staffing agency waiting 45 days on invoices, and both look different from a contractor that simply needs to finance a truck. Bridge Financing, Term Loans, a Revolving Line of Credit, Merchant Cash Advance, Accounts Receivable Financing, Equipment Financing, SBA Loans, and a Business HELOC each solve a specific version of the working-capital problem, and a single application routes a business owner to the program — or combination of programs — that actually fits.
This approach also means a business doesn't have to re-explain itself to a new lender every time its needs change. A company that used Bridge Financing to cover a seasonal gap last year can come back for Equipment Financing this year, or graduate into a Term Loan as its deposit history lengthens, without starting the relationship from zero. That continuity is one of the biggest practical differences between working with a single financing partner across eight programs and shopping each need out to a different online lender or marketplace every time.
Every operating business has a different capital need — bridging a receivables gap, financing a growth phase, buying equipment, or covering payroll during a slow month. Sab Tera arranges eight distinct financing products so a business owner can match the tool to the problem instead of forcing every need through a single generic loan. Below is a short summary of each; a full "how it works" explainer for every program follows in the sections beneath.
Short-term working capital sized to your monthly deposit volume, no personal guarantee, no collateral. Details →
Longer-duration growth capital for acquisitions, expansion, or equipment, sized to deposit volume and cash flow. Details →
Draw, repay, and redraw as needed. Interest accrues only on the amount outstanding. Details →
An advance against future revenue for businesses that need cash immediately and can repay from daily receipts. Details →
Advance capital against open invoices without giving up equity or waiting on customer payment terms. Details →
Finance the purchase of business equipment using the equipment itself as collateral. Details →
Lower, rate-capped financing partially guaranteed by the Small Business Administration for qualified borrowers. Details →
A revolving line secured by real estate, closing in the name of an LLC, corporation, or trust. Details →
Sab Tera Bridge Financing is built for businesses that are generating steady revenue but need capital faster than a bank timeline allows — covering a gap between receivables and payables, seizing a time-sensitive opportunity, or bridging to a longer-term facility. Approval is based on monthly bank deposits rather than collateral, and most facilities carry no personal guarantee requirement.
Underwriting starts with a review of the business's last three to six months of bank statements, looking specifically at deposit frequency and deposit volume rather than net income after expenses. A business needs a minimum of 6 separate deposits per month and an average monthly deposit volume of at least $150,000 (the exact threshold varies by industry — see the deposit-tier table below) to qualify. Outstanding judgments and tax liens are capped at 10% of annual revenue, and the business must be at least 3 years old. Because the facility is revenue-based rather than collateral-based, there is no lien filed against real estate or equipment, and no personal guarantee is required — the business's own deposit history carries the underwriting.
Bridge Financing is most often used to cover the timing mismatch between when a business incurs an expense and when it collects the corresponding revenue: payroll due before a large invoice clears, inventory that needs to be purchased ahead of a seasonal sales spike, or a deposit required to lock in a supplier discount. It is also commonly used as a true bridge — short-term capital held only until a longer-term facility, such as a Term Loan or an SBA loan, can be arranged and funded. Because the maximum term is 12 months, it is not designed as permanent working capital; it is designed to solve a specific, time-boxed cash flow problem.
Facilities funded up to $10 million carry a non-dilutive structure, meaning the business gives up no equity in exchange for capital. Remittance can be structured weekly, semi-monthly, or monthly depending on the business's cash flow pattern, and Sab Tera offers a significant prepayment discount on up to the first 50% of the term (capped at roughly 9 months) — businesses that repay ahead of schedule are rewarded rather than penalized, which is a meaningful difference from products that charge the same total fee regardless of how quickly the balance is repaid. Check Bridge Financing eligibility →
For businesses funding a longer growth phase — an acquisition, an expansion, or a major equipment purchase — Sab Tera Term Loans extend the repayment horizon beyond Bridge Financing while keeping the same deposit-based underwriting approach. Because the term is longer, requirements step up slightly and a personal guarantee is required.
Term Loan eligibility calls for at least 7 bank deposits per month, an average monthly deposit volume of $250,000 or more (again scaled by industry — see the deposit-tier table), 3 or more years in business, a minimum current ratio of 0.7x, and a minimum EBITDA margin of 3%. The same 10% cap on judgments and tax liens relative to annual revenue applies as with Bridge Financing. The key structural difference is the personal guarantee: because the facility extends up to 24 months — double the maximum term of Bridge Financing — a personal guarantee from the business owner is required as part of underwriting.
Where Bridge Financing solves a short, specific cash flow gap, a Term Loan is built for a business that is scaling and needs capital deployed over a longer horizon: opening a second location, financing a fleet purchase, buying out a partner, or funding a larger renovation than a single Bridge Financing term could comfortably cover. The current ratio and EBITDA margin requirements exist because a 24-month commitment requires more confidence in sustained cash flow than a 12-month one — Sab Tera is underwriting the business's trajectory, not just its most recent bank statement.
Like Bridge Financing, Term Loans are funded up to $10 million, remain non-dilutive, and offer weekly, semi-monthly, or monthly remittance structures depending on what fits the business's cash flow. Sab Tera's underwriting team has flexibility to structure a facility around a specific client need — for example, structuring a slightly longer interest-only period at the start of a facility for a business that expects revenue to ramp over the first few months. Check Term Loan eligibility →
A Sab Tera Revolving Line of Credit works like a reusable reserve of working capital — draw what you need for payroll, inventory, or a seasonal gap, repay it, and draw again without reapplying. Interest accrues only on the amount you have drawn, not on the full approved limit.
Once a line is approved, the credit limit — typically between $5,000 and $100,000 — sits available for the business to draw against at any time, similar in structure to a credit card but generally at a lower cost and with more flexibility on draw size. Each draw begins accruing interest only from the date it is taken, and as the business repays principal, that portion of the limit becomes available to draw again. This "revolving" mechanic is what separates a line of credit from a term loan or bridge facility, where the full amount is disbursed once and repaid on a fixed schedule regardless of whether the business still needs all of it. Sab Tera's Revolving Line of Credit is structured over terms up to 12 months, with rates starting at 15%, and same-day funding is available once approved.
A revolving line is best suited to a business with recurring or unpredictable short-term capital needs rather than a single, one-time expense. A landscaping company that needs to buy materials before each new contract, a wholesaler that needs to stock inventory ahead of a seasonal order cycle, or any business that wants a standing safety net for unexpected expenses are all typical fits. Because the business only pays for what it actually draws, a line of credit is often a lower-cost way to maintain financial flexibility than taking out a lump-sum loan "just in case."
Most qualifying lines are unsecured, meaning no specific collateral is pledged, though larger lines may carry a general lien on business assets. Eligibility generally calls for a minimum 650 credit score, monthly revenue of $20,000 or more, and at least 2 years in business; existing loans do not disqualify an applicant. Required documents typically include a business loan application, 4 months of business bank statements, a driver's license, a voided check, and a brief analyst consultation. Check Revolving Line of Credit eligibility →
A Merchant Cash Advance (MCA) is not a loan — it is an advance against a fixed percentage of a business's future revenue, repaid automatically as sales come in. Because approval hinges on revenue volume rather than a credit score, it is one of the fastest and most accessible programs Sab Tera arranges, with minimal paperwork.
An MCA provider advances a lump sum upfront — typically 50% to 150% of the business's average monthly sales, from $20,000 up to $5,000,000 — in exchange for the right to collect a fixed percentage — the "holdback rate" — of the business's daily or weekly card and/or bank deposits until the advance, plus a factor-rate fee, is fully repaid. For example, a business collecting $5,000 per day in sales with a 15% holdback rate would have roughly $750 collected each day. Because repayment scales with actual sales volume, a slower sales day means a smaller repayment that day — which is the core appeal for businesses with variable revenue. Approval decisions are typically issued within 24 hours, because underwriting reviews recent bank or processing statements rather than tax returns or a lengthy credit file.
Businesses turn to an MCA when speed matters more than cost — an urgent equipment repair, an unexpected payroll shortfall, or a time-sensitive inventory opportunity where waiting even a week for a traditional loan would mean missing the opportunity entirely. It is also frequently used by businesses whose credit profile would not qualify for lower-cost programs but whose revenue is strong and consistent enough to support daily repayment. A 500 minimum credit score, $15,000 or more in monthly revenue, and 6 or more months in business are generally sufficient to qualify, and all industries are eligible.
MCA pricing is quoted as a factor rate (commonly 1.1 to 1.5) rather than an APR, and that difference matters: a $20,000 advance at a 1.25 factor rate means $25,000 total repayment regardless of how quickly it is repaid. Converted to an annualized cost, factor rates in this range can equate to APRs well above 40%, and higher for advances repaid especially quickly. Sab Tera discloses the total repayment amount and an estimated annualized cost on every MCA offer up front, and encourages every applicant to compare that annualized figure against Bridge Financing or a Revolving Line of Credit before accepting — see Understanding APR vs. Factor Rate below. Typical required documents are a business loan application, 4-6 months of business bank statements, and 4-6 months of credit card processing statements if applicable. Check Merchant Cash Advance eligibility →
Accounts Receivable (A/R) Financing — sometimes called invoice financing or a ledgered line of credit — advances working capital against a business's open, eligible invoices instead of waiting on customer payment terms. It is a common fit for businesses managing seasonal demand, funding payroll, or taking advantage of early-pay supplier discounts.
Rather than underwriting the business itself, A/R Financing largely evaluates the creditworthiness of the business's customers — the entities that owe the invoices. A business submits an aging report of its open receivables, and Sab Tera advances a percentage of the eligible, verified invoice value, typically funding within 5 to 10 business days of that submission. As the business generates new invoices and collects on old ones, the available facility balance adjusts automatically — it is a living facility rather than a one-time disbursement, similar in that respect to a revolving line of credit but sized to receivables rather than a flat credit limit.
A/R Financing is especially useful for B2B businesses — staffing agencies, wholesalers, manufacturers, government contractors — that routinely wait 30, 45, or 60 days to be paid by their own customers but need cash sooner to cover payroll, materials, or growth. Because the facility is backed by invoices rather than equity, a business retains full ownership; there is no dilution, and the facility is generally less expensive than raising outside equity capital to solve the same timing problem. It also comes with a practical side benefit for growing companies: the receivables management support that comes with the facility can reduce the internal administrative burden of tracking and collecting on outstanding invoices.
Because the facility is tied to receivables, availability naturally increases as a business's invoice volume grows — a business does not need to reapply for a larger facility as it wins more customers or larger contracts, so long as those invoices meet eligibility standards. Check Accounts Receivable Financing eligibility →
Equipment Financing funds the purchase of business equipment — vehicles, machinery, medical devices, restaurant or manufacturing equipment — with the equipment itself serving as collateral, similar in structure to an auto loan. Because the asset secures the financing, credit requirements are typically more moderate than an unsecured facility.
Once a piece of equipment is identified — whether new or used, purchased from a dealer or a private seller — Sab Tera structures financing against the equipment's value, advancing 60% to 95% of that value, with the equipment itself serving as the collateral securing the loan in the event of default. Because the collateral has resale value, lenders are generally willing to extend more moderate credit and revenue requirements than they would for an unsecured product. Payments are typically structured over a term of 1 to 5 years, aligned to the equipment's useful life — a shorter term for equipment that depreciates quickly, a longer term for equipment with a longer productive lifespan, such as heavy machinery or commercial vehicles.
Equipment Financing lets a business acquire a needed asset — a new delivery van, a piece of manufacturing equipment, a diagnostic machine — without depleting cash reserves that might be needed elsewhere for payroll or inventory. Because the equipment itself secures the loan, it is often one of the more accessible programs for a newer business or one with a thinner credit file, provided the equipment has clear, verifiable resale value. A minimum 580 credit score and $30,000 or more in monthly revenue are generally sufficient to qualify.
Rates run from as low as 6% up to roughly 20% APR depending on the applicant's credit profile, the type of equipment being financed, and whether it is new or used. Approval is possible in as fast as a few days, with funding usually completing within 5 to 10 business days once the equipment and seller information are confirmed. Fair to excellent personal credit is generally expected, since — unlike Bridge Financing or an MCA — approval leans more heavily on a traditional credit review in addition to the collateral itself. Typical required documents are a business loan application, 4-6 months of business bank statements, and a copy of the equipment invoice. Check Equipment Financing eligibility →
SBA loans are issued by private lenders and partially guaranteed by the U.S. Small Business Administration — up to 85% of the loan in many cases — which lowers lender risk and typically keeps rates below unsecured alternatives. In exchange, SBA loans carry a longer, more document-intensive underwriting process than Sab Tera's revenue-based programs.
An SBA loan is not funded directly by the government — a private lender funds the loan, and the SBA guarantees a large portion of it, which reduces the lender's risk and allows the lender to offer more favorable rates and longer terms than it might otherwise extend to a small business. Several SBA programs exist for different purposes: 7(a) loans and SBA Express are the most common general-purpose options, microloans serve smaller funding needs, and disaster loans and debt-consolidation programs address more specific circumstances. Loan amounts run from $100,000 to $5,000,000 with terms of 5 to 25 years. Because the government guarantee requires more documentation to verify, the underwriting timeline runs longer than Sab Tera's revenue-based programs — typically 4 to 8 or more weeks from application to funding.
Businesses that can tolerate a longer timeline in exchange for a meaningfully lower rate — particularly for larger, longer-term needs like a real estate purchase, a major equipment package, or a business acquisition — often find SBA financing to be the lowest total-cost option available. It is generally a better fit for a business planning ahead rather than one facing an immediate cash flow emergency, given the multi-week underwriting process. Qualification generally calls for a minimum 680 credit score, $50,000 or more in monthly revenue, and at least 2 years in business, with select industries eligible.
Rates on the most common SBA 7(a) program typically run in the range of roughly 10.5% to 14.75%, depending on the loan size and the lender's spread over the base rate. Qualification is generally stricter than Sab Tera's revenue-based programs: lenders typically expect a strong credit history, demonstrated profit on tax returns, no excessive existing business debt, and demonstrated financial stability, along with more established time in business and more complete financial documentation. Typical required documents include an SBA loan application, 12 months of business bank statements, 2 years of business tax returns, 2 years of personal tax returns, year-to-date financials (profit & loss and balance sheet), and a recent credit report. Sab Tera helps qualified borrowers navigate program selection and assembles the documentation package needed to apply. Discuss SBA loan eligibility →
A Business HELOC is a revolving line of credit secured by real estate rather than business revenue — a primary residence, secondary home, investment property, or commercial building — and can close in the name of an LLC, corporation, partnership, or trust. It is the one program on this page secured by real property rather than cash flow.
A Business HELOC works structurally like a residential home equity line of credit, but is deliberately built to close in an entity name and to be used for business purposes — funding a down payment on a new investment, bridging between deals, financing tenant improvements, or holding standing working capital against real estate equity. Leverage is set using a credit-tiered LTV matrix rather than a single flat cutoff: a higher personal credit score unlocks a higher combined loan-to-value, up to 85% on a primary residence, with somewhat lower maximums on secondary homes, investment property, and commercial real estate.
Because it draws on real estate equity rather than business cash flow, a Business HELOC is particularly useful for an owner or investor who has substantial equity in property but wants financing decoupled from the ups and downs of a single year's business revenue. Common uses include funding a down payment on a new acquisition, bridging the gap while a longer-term facility is arranged, financing renovations or tenant improvements, or simply holding a standing reserve of capital available on short notice.
No income verification is required — underwriting is based on the collateral property's appraised value and, for tenant-occupied property, the current rent roll, rather than the borrower's personal or business income. The line carries a 10-year draw period followed by a repayment period, during which funds can be drawn, repaid, and redrawn as needed, similar to the Revolving Line of Credit described above but secured by real property instead of business cash flow. Check Business HELOC eligibility →
Every program below is underwritten differently, so eligibility and cost are compared on the criteria that actually drive each one — deposit volume for Bridge Financing and Term Loans, credit score and revenue for Revolving Line of Credit, Merchant Cash Advance, Equipment Financing, and SBA Loans, and invoice or collateral quality for Accounts Receivable Financing and Business HELOC.
| Program | Funding Amount | Term | Timeline to Fund | Credit Consideration | Collateral / Guarantee |
|---|---|---|---|---|---|
| Bridge Financing | Up to $10M | Up to 12 months | 3–7 business days | 630 min. FICO | No personal guarantee |
| Term Loans | Up to $10M | Up to 24 months | 5–10 business days | 630 min. FICO | Personal guarantee required |
| Revolving Line of Credit | $5K–$100K | Up to 12 months, revolving | Same-day funding available | 650 min. FICO | Often unsecured |
| Merchant Cash Advance | $20K–$5M | 3–24 months | Approval within 24 hours | 500 min. FICO | None |
| Accounts Receivable Financing | Scales with invoices | Ongoing facility | 5–10 business days | Customer creditworthiness weighted | Invoices as collateral |
| Equipment Financing | $20K–$5M | 1–5 years | 5–10 business days | 580 min. FICO | Equipment as collateral |
| SBA Loans | $100K–$5M | 5–25 years | 4–8+ weeks | 680 min. FICO | Government-guaranteed portion |
| Business HELOC (LLC) | $50K–$2M | 10-yr draw / 20-yr repay | 10–14 days | Credit-tiered LTV | Real estate collateral |
With eight programs available, the right starting point usually comes down to two questions: how quickly do you need funding, and what does your business have to underwrite against — deposits, invoices, equipment, real estate, or nothing at all beyond revenue? The table below maps common situations to the program most likely to fit.
| If your situation is... | Consider... | Because... |
|---|---|---|
| You need cash quickly for an urgent expense | Merchant Cash Advance | Approval decisions within 24 hours, minimal documentation, revenue-based approval down to a 500 credit score. |
| You have a specific, short-term cash flow gap under 12 months | Bridge Financing | No personal guarantee, no collateral, sized to deposit history. |
| You're funding a longer growth phase — expansion, acquisition, larger buildout | Term Loans | Terms up to 24 months support a longer capital deployment horizon. |
| Your capital needs are recurring or unpredictable, not a single lump sum | Revolving Line of Credit | Draw, repay, and redraw without reapplying; pay interest only on what's drawn. |
| You wait 30–60+ days to get paid by your own customers | Accounts Receivable Financing | Advances against open invoices; facility scales automatically with receivables. |
| You need to purchase a specific piece of equipment or a vehicle | Equipment Financing | The asset itself secures the loan, often easing credit requirements. |
| You can wait several weeks for funding in exchange for a lower rate | SBA Loans | Government guarantee typically keeps rates below unsecured alternatives. |
| You have significant home or investment property equity to draw on | Business HELOC (LLC) | Revolving line secured by real estate, no income verification required. |
Many businesses end up using more than one program over time — for example, Bridge Financing to solve an immediate gap while a Term Loan or SBA loan is arranged for longer-term growth capital. Apply once and let us match you to the right program →
One of the most common points of confusion in business financing — and one of the most consequential — is the difference between an interest rate (or APR) and a factor rate. Understanding the difference is the single most useful thing a business owner can do before comparing offers across lenders.
APR (Annual Percentage Rate) reflects the total annualized cost of borrowing, including interest and most fees, expressed as a percentage of the outstanding balance over the course of a year. Because it accrues over time, paying a loan off early generally reduces the total interest paid — the faster you repay, the less it costs. Term Loans, SBA loans, and most bank and line-of-credit products are priced this way.
A factor rate — used almost exclusively for Merchant Cash Advances — is a fixed multiplier applied to the amount advanced, regardless of how quickly it is repaid. A $50,000 advance at a 1.3 factor rate means $65,000 is owed in total, whether that balance is repaid in 3 months or 12 months. Because the total cost is fixed rather than time-based, repaying an MCA faster does not reduce the total amount owed — it can actually increase the effective annualized cost, since the same fee is compressed into a shorter period. Factor rates in the 1.1 to 1.5 range are common, and converting those into an annualized cost can reveal rates well above 40%, and sometimes into triple digits for advances repaid unusually quickly.
The practical takeaway: when comparing an MCA offer to a Bridge Financing, Term Loan, or Line of Credit offer, always convert the factor rate to an estimated APR first. A lender or broker who is reluctant to walk through that conversion, or who won't disclose the total repayment amount up front, is a signal to slow down and ask more questions before signing.
Bridge Financing and Term Loan eligibility scales with a business's average monthly bank deposit volume, and that threshold varies by industry risk profile. Rather than applying a single deposit minimum across every type of business, Sab Tera tiers the requirement based on how the industry itself typically operates — a restaurant's cash flow pattern looks very different from a construction company's or a law firm's, and the underwriting reflects that.
| Avg. Monthly Deposit Tier | Representative Industries |
|---|---|
| $150,000+ | Restaurants, doctors, dentists, mining, oil and gas, architecture, manufacturing, health services, printing services, wholesale trade, spas/salons, SaaS/technology, florists, auto repair, arts/recreation/entertainment, educational services, waste management/recycling, interior design, personal services, medical labs, veterinary services, car washes, funeral homes |
| $250,000+ | Car rental, transportation, HVAC, landscaping, liquor, gas stations, consulting, e-commerce, hotels, BBQ restaurants, home-based businesses (prohibited in California and Texas) |
| $500,000+ | Construction (5+ years in business), gyms, property management, marketing, staffing, furniture |
| $750,000+ | Law firms (5+ years in business), roofing, insurance, real estate, mortgage, trucking (7+ years in business) |
| $1,000,000+ | Car sales (5+ years in business), cannabis, home builders, sushi restaurants |
These tiers reflect deposit volume expectations specifically for Bridge Financing and Term Loans; Merchant Cash Advance, Accounts Receivable Financing, and Equipment Financing use different underwriting criteria that do not follow this same tier structure. Not sure which tier your business falls into? Apply to get a same-day answer →
Documentation requirements vary meaningfully across the eight programs. Here is what to have ready before applying to each.
| Program | Typical Documents Required |
|---|---|
| Bridge Financing | 3–6 months business bank statements, government-issued ID, entity formation documents. No tax returns. |
| Term Loans | 3–6 months business bank statements, basic financial statements (P&L, balance sheet), government-issued ID, entity formation documents, personal guarantee. |
| Revolving Line of Credit | Business loan application, 4 months business bank statements, driver's license, voided check, brief analyst consultation. |
| Merchant Cash Advance | Business loan application, 4–6 months business bank statements, 4–6 months credit card processing statements (if applicable). |
| Accounts Receivable Financing | Aging report of open receivables, customer invoice detail, entity formation documents. |
| Equipment Financing | Business loan application, 4–6 months business bank statements, copy of equipment invoice. |
| SBA Loans | SBA loan application, 12 months business bank statements, 2 years business tax returns, 2 years personal tax returns, YTD financials (P&L and balance sheet), recent credit report. |
| Business HELOC (LLC) | Property address and value estimate, existing mortgage balance, entity formation documents. No income documents. |
Share 3–6 months of business bank statements, basic company details, and entity formation documents. No fee to apply.
Receive a same-day decision outlining amount, structure, and cost for the program that fits your file.
Sab Tera verifies deposits, invoices, or collateral depending on the program — no tax returns for Bridge Financing, MCA, or A/R Financing.
Funding completes in as little as the same business day (Revolving Line of Credit) up to 8 or more weeks (SBA), depending on the program selected.
Business financing carries its own vocabulary, and several terms are commonly confused with one another. Here is a quick reference before you compare offers.
| Term | What It Actually Means |
|---|---|
| Factor Rate | A fixed multiplier applied to a Merchant Cash Advance's principal, unrelated to time — not comparable to an APR without conversion. |
| APR | The annualized cost of borrowing, including most fees, that accrues over time — used for Term Loans, SBA loans, and most lines of credit. |
| Holdback Rate | The percentage of daily or weekly revenue an MCA provider collects until the advance is repaid. |
| Personal Guarantee | A borrower's agreement to be personally liable for a business debt if the business itself cannot repay it — required on Term Loans, not on Bridge Financing. |
| Non-Dilutive Financing | Capital that does not require giving up any equity or ownership in the business, as with Bridge Financing, Term Loans, and A/R Financing. |
| CLTV (Combined Loan-to-Value) | The total of all liens against a property (including a new HELOC) divided by the property's appraised value. |
| Deposit Volume | The total dollar amount deposited into a business bank account over a given month, used to size Bridge Financing and Term Loan eligibility. |
| Aging Report | A summary of a business's open invoices grouped by how long they have been outstanding, used to underwrite Accounts Receivable Financing. |
| EBITDA Margin | Earnings before interest, taxes, depreciation, and amortization, expressed as a percentage of revenue — a profitability measure used in Term Loan underwriting. |
| Current Ratio | A business's current assets divided by its current liabilities, used as a basic measure of short-term financial health in Term Loan underwriting. |
Applying to multiple lenders simultaneously without understanding "stacking." Taking on more than one cash-flow-based facility at the same time — particularly multiple Merchant Cash Advances — can strain daily cash flow faster than a business owner expects, since each facility collects its holdback independently. Consolidating financing needs into a single, appropriately sized facility is almost always more sustainable than layering several small ones.
Comparing a factor rate directly to an APR. As covered above, these are not the same measurement, and comparing them at face value will make an MCA look far less expensive than it actually is relative to a Bridge Financing or Term Loan offer.
Underestimating documentation timelines for SBA loans. Businesses that need capital within a week or two should generally not rely on an SBA loan as their primary option — the 4-to-8-or-more-week underwriting timeline is well-suited to planned growth capital, not urgent needs.
Not matching the term to the actual need. Taking a 24-month Term Loan to solve a 60-day cash flow gap means paying for capital longer than it's needed; conversely, using short-term Bridge Financing to fund a multi-year expansion can create repeated refinancing pressure. Matching the facility's term to the actual timeline of the underlying need keeps total borrowing cost down.
Overlooking industry-specific deposit tiers. A construction company assuming it qualifies at the $150,000 deposit tier when its industry requires $500,000 (with 5 years in business) will be surprised at the underwriting stage. Reviewing the deposit-tier table above before applying avoids that friction.
Sab Tera's business financing programs are offered in the same 20 markets as our real estate lending, so an existing client can access both from one relationship. Coverage spans three regions, each with a distinct concentration of the industries most active in our deposit-tier table above — Northeast markets skew toward professional services and healthcare, Southeastern markets carry a heavier concentration of hospitality, construction, and real estate-adjacent businesses, and Midwest markets include a strong base of manufacturing and logistics companies.
| Northeast | South & Southeast | Midwest |
|---|---|---|
| New York | Florida | Ohio |
| Long Island, NY | Texas | Indiana |
| New Jersey | Virginia | Michigan |
| Connecticut | North Carolina | |
| Pennsylvania | South Carolina | |
| Massachusetts | Georgia | |
| Alabama | ||
| Kentucky | ||
| Tennessee | ||
| Mississippi | ||
| Louisiana |
The scenarios below are representative composites illustrating how each program is typically used — not individual client case files.
A three-location restaurant group with roughly $180,000 in average monthly deposits — comfortably above the $150,000 deposit tier for the restaurant industry — needed to cover a payroll gap while waiting on a landlord tenant-improvement reimbursement tied to a recent buildout. The group had 6 years of operating history and clean bank statements showing more than 6 deposits per month, but a bank-issued line of credit would have taken weeks to underwrite. Bridge Financing funded within 5 business days with no personal guarantee and no collateral pledged, sized entirely to the group's deposit history rather than its lease terms or personal credit. Because the facility was structured with monthly remittance rather than daily withdrawals, it did not disrupt the restaurants' day-to-day cash position the way a daily-holdback product would have.
A growing HVAC contractor needed two new service vans and diagnostic equipment to take on a commercial maintenance contract that required same-week response times across a larger service area than the company had previously covered. Rather than draining working capital reserves earmarked for payroll and materials, the contractor financed the vehicles and equipment directly, using the assets themselves as collateral. Funding completed in 7 business days, and the payment term was structured to align with the useful life of the vehicles rather than a generic fixed schedule, keeping monthly payments proportional to the revenue the new contract was expected to generate.
A staffing agency with more than $500,000 in average monthly deposits and 45-day payment terms from several of its largest corporate clients used Accounts Receivable Financing to fund payroll between billing cycles during a seasonal hiring push. As the agency's invoice volume grew heading into its busiest quarter, the facility's available balance scaled automatically without requiring a new application or a renegotiated credit limit — a meaningful advantage over a fixed-limit line of credit during a period of rapid, invoice-driven growth.
An auto repair shop needed to replace a failed diagnostic lift immediately to avoid turning away a backlog of scheduled repairs. With daily card sales averaging roughly $2,200, the shop qualified for a Merchant Cash Advance funded the same day paperwork was submitted, with repayment structured as a percentage of daily card sales so that a slower day meant a proportionally smaller repayment rather than a fixed payment regardless of revenue.
A marketing agency with $500,000-plus in average monthly deposits and 4 years of operating history wanted to acquire a smaller competitor agency to expand its client roster, requiring a longer repayment horizon than Bridge Financing's 12-month cap would allow. The agency's financials showed a current ratio above the 0.7x minimum and an EBITDA margin above 3%, qualifying it for a Term Loan structured over 24 months with a personal guarantee from the majority owner, funding within 8 business days of document submission.
"The deposit-based approach meant we didn't have to explain away one bad year of tax returns. The team looked at what our business was actually doing right now."
"We needed equipment financing fast to take on a new contract and didn't want to touch our cash reserves. The process was straightforward from application to funding."
"Having a revolving line that actually replenishes as we pay it down has made managing seasonal staffing costs far less stressful."
"They walked us through the factor rate versus APR before we signed anything, which is more than I can say for the broker we talked to first."
"We used Bridge Financing to get through a slow season and came back for a Term Loan a year later when we were ready to expand. Same team, no starting over."
Most business financing sites route each product through a different lender or marketplace partner. Sab Tera arranges all eight programs through a single application and relationship, which is a meaningful difference from marketplaces and single-product online lenders in this space.
| Lender | Model | Starting Rate / APR | Min. Credit Score | Notes |
|---|---|---|---|---|
| Bluevine (Line of Credit) | Direct online lender | From ~7.8% | 625 | Requires 24+ months in business, $10K+ monthly revenue |
| OnDeck (Term Loan / LOC) | Direct online lender | 29.9%–48.9% avg. APR | 625 | 1+ year in business, $100K annual revenue required |
| Fundbox (Line of Credit) | Direct online lender | ~35% effective APR | 600 | Weekly fee structure rather than stated interest rate |
| Lendio | Lending marketplace | Varies by matched partner | ~625 (varies) | Single application submitted across 75+ partner lenders |
| Kapitus | Direct lender & marketplace | From ~6.25% APR | Not published; phone quote required | Rate transparency requires speaking with a representative |
| Forward Financing (MCA) | Direct MCA provider | Factor rate, not APR | 500 | Same-day approval possible; daily/weekly repayment |
| Sab Tera Business Financing | Direct arrangement, 8 programs, 1 application | Program-dependent (see rate table) | 630 (Bridge/Term); revenue-based on other programs | Same-day decision; no tax returns on most programs; APR-vs-factor-rate cost disclosed upfront |
Competitor figures reflect publicly available rate and eligibility information as of 2026 and are subject to change by each respective lender.
Credit requirements vary by product: Bridge Financing and Term Loans use a 630 minimum FICO, while Merchant Cash Advance and Accounts Receivable Financing are underwritten primarily on deposit and invoice volume rather than a hard credit floor. See the full rate and eligibility table.
Yes — Merchant Cash Advance and Accounts Receivable Financing weigh monthly deposit volume and outstanding invoices more heavily than personal credit score, making them viable options below a 630 FICO. Compare all 8 programs.
Most Sab Tera business financing applications receive a same-day decision, with Merchant Cash Advance approval issued within 24 hours, Revolving Line of Credit funding available same-day once approved, and Bridge Financing typically funding within 3 to 7 business days once deposit history is verified. Apply now.
Bridge Financing is capped at 12 months, requires no personal guarantee, and is sized to 6+ monthly deposits averaging $150,000; Term Loans extend to 24 months, require a personal guarantee, and are sized to 7+ monthly deposits averaging $250,000. See full terms.
No — Bridge Financing, Term Loans, Merchant Cash Advance, and Accounts Receivable Financing are underwritten on revenue, deposits, or invoices rather than collateral. Only Equipment Financing and Business HELOC require pledged collateral. See program overview.
Most applications require 3 to 6 months of business bank statements, a government-issued ID, and entity formation documents; Term Loans and SBA loans additionally require basic financial statements. No tax returns are required for Bridge Financing, MCA, or A/R Financing. See the full documents checklist.
Sab Tera offers business financing across 20 markets, including New York, Long Island, New Jersey, Connecticut, Florida, Texas, Pennsylvania, and the Southeast and Midwest markets we serve. See the full coverage list.
Often, yes — MCA pricing uses a factor rate rather than an APR, and a 1.1 to 1.5 factor rate can equate to an annualized cost above 40%, higher than most term loans or lines of credit. See how factor rates convert to APR.
Yes, though stacking multiple revenue-based facilities at the same time can strain daily cash flow, since each collects its repayment independently. Sab Tera typically recommends sizing a single facility appropriately before adding a second. See common mistakes to avoid.
Bridge Financing, capped at a 12-month term, does not require a personal guarantee, while Term Loans, extending up to 24 months, do require one. Both share a 630 minimum FICO and a 10% cap on outstanding judgments and tax liens relative to annual revenue. See the full eligibility comparison.
Bridge Financing carries a significant prepayment discount on up to the first 50% of the term, capped at approximately 9 months, rewarding businesses that pay down the facility early. This non-dilutive structure applies to facilities funded up to $10 million. Read more about Bridge Financing.
Sab Tera Term Loans require a minimum EBITDA margin of 3% and a minimum current ratio of 0.7x, in addition to a 630 minimum FICO and at least 7 bank deposits per month averaging $250,000. See full Term Loan requirements.
Sab Tera's Revolving Line of Credit ranges from $5,000 to $100,000 for businesses with a minimum 650 credit score, $20,000 or more in monthly revenue, and 2 or more years in business. Funds replenish as you repay, and interest accrues only on the amount drawn — not the full approved limit. Read more about the Revolving Line of Credit.
A merchant cash advance is a purchase of a fixed percentage of future revenue rather than a traditional loan. Sab Tera issues MCA approval decisions within 24 hours of submitting paperwork, advancing 50% to 150% of average monthly sales from $20,000 to $5,000,000 to businesses with a minimum 500 credit score, $15,000 or more in monthly revenue, and 6 or more months in business. See Merchant Cash Advance details.
Accounts receivable financing advances working capital against your eligible open invoices, typically funding within 5 to 10 business days of submitting an aging report, and the facility grows or shrinks automatically as your receivables balance changes. Read more.
Equipment financing funds the purchase of business equipment using the asset itself as collateral, advancing 60% to 95% of equipment value from $20,000 to $5,000,000, with rates from 6% up to roughly 20% APR depending on credit profile and equipment type. A minimum 580 credit score and $30,000 or more in monthly revenue are generally required, with funding in 5 to 10 business days. See Equipment Financing details.
SBA loans are issued by private lenders and partially guaranteed by the Small Business Administration, which typically keeps rates lower than unsecured alternatives — commonly in the 10.5% to 14.75% range on the 7(a) program — in exchange for a longer underwriting timeline (typically 4 to 8 or more weeks). Loan amounts run from $100,000 to $5,000,000 over 5 to 25 years, generally requiring a minimum 680 credit score, $50,000 or more in monthly revenue, and 2 or more years in business. Read more about SBA Loans.
Yes — Sab Tera's Business HELOC closes in the name of an LLC, corporation, partnership, or trust and offers a revolving line up to 85% CLTV on a primary residence and up to 80% on investment property, with no income verification required. See Business HELOC details.
Yes — Sab Tera tiers eligible funding by industry deposit averages: restaurants, doctors, and dentists typically qualify at a $150,000 average monthly deposit tier, while construction, gyms, and property management firms are evaluated at a $500,000 average monthly tier. See the full industry tier table.
Tell us about your business and we'll match you to the right program — no fee to apply, no tax returns required for most programs.
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