NEI Business Capital

Fast, flexible working capital.

When a good opportunity (or a gap) can't wait on the bank, we match your business to the right short- and medium-term capital — qualified on revenue and business health, not just credit score.

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Capital that moves at your speed
Four flexible ways to put money to work — we advise which fits your situation.
Most requested

💵 Working Capital & Term Loans

A lump sum repaid over a set term — for payroll, inventory, hiring, marketing, expansion, or bridging a timing gap.

  • Short- and medium-term structures
  • Revenue-based qualification
  • Fast turnaround vs. the bank
  • Funds for growth, not just gaps

🏦 Business Line of Credit

Revolving access to capital you draw on only when you need it — and pay interest only on what you use.

  • Draw & repay flexibility
  • Ideal for seasonal swings
  • Keeps cash flow smooth
  • Reusable as you repay

🧾 AR Factoring / Invoice Finance

Turn unpaid B2B invoices into cash now instead of waiting 30–90 days to get paid.

  • Advance against receivables
  • Scales with your sales
  • Based on your customers' credit
  • Great for staffing, logistics, suppliers

📈 Revenue-Based Financing

Capital repaid as a share of revenue — flexible for businesses with strong, steady sales. Offered selectively where it's the right fit.

  • Repayment flexes with revenue
  • Fast access for strong earners
  • We advise if it's the right tool
What lenders look for

Time in business

Most programs want 6+ months operating; the best terms open up after 1–2 years.

Revenue

Consistent monthly deposits matter more than perfect credit. Many lenders consider roughly 0.5–1.5× of monthly revenue.

Use of funds

A clear, business-purpose use (inventory, payroll, equipment, expansion) strengthens the file.

General signals only — not qualification criteria or an offer. Every lender underwrites to its own guidelines.

Ready to put capital to work?

Tell us about the business — we'll match you to the right program.

Apply for Business Capital →