The Right Funding for Your Business
Serve Funding offers 10+ working capital solutions including asset-based lending, invoice factoring, equipment leasing, PO financing, government contracts, inventory financing, and unsecured loans. Funding range: $250K-$100MM. Fast decisions within 24 hours. Trusted by manufacturers, distributors, and professional services firms.
Explore Our Options for
Creative Working Capital
Why Choose Serve Funding?
Tailored Solutions
Every business is unique. Our funding options are customized to your specific needs.
Expert Guidance
Our team has years of experience in structuring financing that drives growth.
Flexible Terms
We offer flexible terms that adapt as your business evolves.
Asset-Based Lending
Asset-Based Lending (ABL) allows businesses to leverage their accounts receivable, inventory, equipment, and commercial real estate as collateral to access flexible working capital. These lines of credit are ideal for companies which are going through seasons of rapid growth or experiencing temporary financial challenges. ABL lines are typically used for working capital, expansion, acquisitions, or debt restructuring.
Facility amounts from $1MM – $100MM
Revolving credit lines available
70-90% advance on receivables
50-75% advance on inventory
Rates based on SOFR or Prime +1-5%
Suitable for US-based, B2B and B2C
Invoice (AR) Financing
Invoice financing (also called factoring) turns your open B2B invoices into immediate cash to maximize growth and maintain smooth operations. This solution is ideal for companies with commercial AR to enhance cash flow and reduce credit risk. Factoring suits businesses that sell to both US-based & international commercial customers. It takes longer terms such as net-30, net-60, net-90 + and provides access to the cash trapped in those invoices on day 1!
Facility amounts from $250K – $100MM
Revolving lines of credit
Advance rates of 75%–95% on AR
Interest tied to SOFR or Prime + 1-6%
Factor fees from 0.25% to 1% per invoice
Not a loan; no balance sheet impact
Options for single debtor factoring
Working Capital Loans
Working capital funding is typically funded on a revenue-based underwriting model. They can be closed quickly – often within days – and provide essential funding for managing day-to-day operating expenses. They are typically used for help to cover payroll, fund additional inventory, address accounts payable, and more. Working capital loans ensure smooth operations amid cash flow challenges stemming from the unexpected to seasonal fluctuations.
Loan amounts from $100K to $5MM+
Flexible terms from 6 to 24 months
Approval within 1-3 business days
Monthly factor rates of 1.25-3% +
For B2B and B2C businesses
Fast-growing companies across industries
Inventory Financing
Inventory financing is a short-term loan option that leverages existing inventory as collateral, offering businesses the liquidity to manage inventory levels. It's ideal for companies needing to maintain stock to satisfy customer demand while facing interim cash flow issues.
Loan amounts from $500K to $20M
Revolving credit lines available
Advance rate up to 85% of liquidation value
Inventory audit / review typically required
Interest based on Prime + 6-12%
Suited for B2B and B2C companies
Great solution for e-commerce firms
Equipment Leasing & Loans
Equipment leasing offers businesses a practical solution to acquire essential machinery, vehicles, and technology without large upfront costs. By opting for a lease or loan specifically for equipment, companies can efficiently manage cash flow while securing the assets necessary for their operations. This financing method is ideal for most industries, including manufacturing, construction, transportation, healthcare, and technology.
Loan range from $100K to $50MM+
Terms of 3 to 7 years are most typical
70%–85% advance of liquidation value
Equipment appraisal or audit required
Rates: Prime + 3% to 10%
Applicable for B2B and B2C sectors
Sale-leaseback options for existing equipment
Purchase Order (PO) Funding
Purchase Order Funding provides businesses with crucial financing to fulfill large orders without the cash to cover initial production or purchase costs. Ideal for companies experiencing cash flow issues, limited traditional financing access, or rapid expansion, this funding bridges gaps and ensures timely order fulfillment.
Loan amounts from $250K to $50M
Revolving credit available
Funds 70%-100% of P.O. value
Fees from 1.5% to 3% per 30 days
Supports drop-shipped orders
Includes warehouse and processing orders
For B2B and B2C businesses
Serving USA and Canada
Government Contract Financing
Government Contract Financing offers tailored funding to businesses awarded contracts with federal, state, or local agencies. This financial solution ensures seamless cash flow management, covering upfront costs without depleting working capital, thereby enabling contractors to meet obligations and compete effectively in government projects.
Financing facilities from $250K to $50MM
Up to 90% advance on contract value
Approval in 5-10 business days
Rates from Prime + 2% to 8%
For prime and subcontractors
Options: factoring, asset-based, credit lines
USA-focused for government contracts
Real Estate Financing Commercial & Investor
Our real estate lending options provide financing solutions through banks, credit unions, specialized alternative lenders, private investors, and equity funds. These loans cater to the complex needs of commercial properties and cover all asset classes such as industrial, office, retail, single and multi-family investment portfolios and more. Our clients receive financing in both short-term bridge offerings of 12-36 months as well as permanent commercial loans with 25-30 terms.
Loan amounts $500K to $100MM+
25-30 year amortization periods
50-80% Loan-to-Value (LTV)
Rates: 5-10 year Treasury + 3.5% to 7%
Interest-Only Bridge Loan Options
Options available in all 50 states
Unsecured & Sub-Debt Loans
Mezzanine Financing, or subordinated debt, offers a unique funding option that sits behind senior debt in repayment priority during liquidation or bankruptcy. Due to its lower claim on assets, it carries higher risk, requiring lenders to charge relatively higher interest rates.
Loan amounts from $250K to $20MM
Terms span 12-60 months
Lends at 1-5 times EBITDA
Interest: Prime + 4% to 8%
Options or warrants may apply
Available in the USA only
Small Business Administration Loans
SBA Loans foster small business growth by offering government-backed guarantees on loans from banks or credit unions. This support reduces lenders' risk, enabling businesses to secure essential capital. With options like the versatile 7(a) Loan for various needs, the 504 Loan for asset purchases, and the Express Loans for quick funding, SBA Loans cater to diverse business requirements.
Loan amounts from $250K to $5MM+
Typical term up to 10 years
Advance rates based on cash flow and assets
Available exclusively in the USA
