The Right Funding
for Your Business
Serve Funding offers working capital solutions including asset-based lending,
invoice factoring, equipment leasing, PO financing, government contracting,
inventory financing, and unsecured loans. Funding range: $250K-$100MM.
Our Creative Working Capital Solutions
Working Capital Loans & Lines of Credit
A working capital loan is short-term, revenue-based financing of $100K to $10M+ that funds in 2 to 10 business days, priced at 1.25%–4% per month. As of 2026, it's the fastest way to cover payroll, inventory, or growth-driven cash gaps when a bank can't move quickly enough — and at the same speed as a merchant cash advance it costs roughly half as much because the payment is monthly rather than a daily extraction from sales.
Working capital loans for growing companies. Fast funding (2–10 business days). Support payroll, inventory, expansion. $100K–$10M+.
Invoice Financing
Invoice factoring is the practice of selling unpaid B2B invoices to a factor for 75%–95% of face value within 24–48 hours, then receiving the balance (minus a 0.25%–1% fee per invoice) when the customer pays. As of 2026, pricing typically runs Prime + 1–6%, facility sizes range from $250K to $100MM, and the facility scales automatically with sales. Approval looks at your customers' credit rather than your tax return — which is why it works for growing companies whose financials don't yet tell the full story.
Invoice financing for growing companies. Fast cash access once approved. Scales with sales. Better for rapidly growing businesses than bank loans.
Equipment Leasing
& Financing
Equipment leasing and financing covers $100K to $50MM+ of machinery, vehicles, or technology over 3–7 year terms, with advance rates of 70%–85% of liquidation value and pricing of Prime + 3–10%. As of 2026, financing the asset directly is almost always cheaper than drawing on a working-capital line for the same purchase. Sale-leaseback structures let you extract 50%–70% of the equity from equipment you already own without adding a new debt covenant.
Equipment financing for growing manufacturers & contractors. 3-7 year terms. Avoid upfront capital costs. Scale operations.
Asset-Based Lending
Asset-Based Lending (ABL) is a revolving credit line — typically $250K to $25M, priced at Prime + 1–5% — secured by a combination of accounts receivable (70%–90% advance), inventory (50%–75% advance), equipment, and sometimes real estate. As of 2026, ABL is the standard replacement for a maxed-out bank line when a company has hard assets but doesn't fit a traditional credit box. Most bank ABL desks start at $3–5M minimums, which is why deals below that size usually need an advisor with multiple lender relationships.
Asset-based lending for growing companies. Flexible credit lines backed by AR, inventory, equipment & real estate. Facility sizes $250K–$25M.
Inventory Financing
Inventory financing advances up to 85% of the liquidation value of finished goods or raw materials, with facilities from $500K to $20M and pricing typically at Prime + 6–12%. As of 2026, it's the right product when growth is being held back by stock you can't afford to hold — particularly for e-commerce and direct-to-consumer businesses that don't have B2B invoices to factor against.
Inventory financing for growing e-commerce & retail. Scale inventory levels without depleting working capital. Up to 85% advance.
PO Funding
Purchase order (PO) funding pays your suppliers — domestic or international — for 70%–100% of a confirmed customer purchase order, at 1.5%–3% per 30 days, with deals from $250K to $50M. As of 2026, it's the one product that solves cash trapped between you and your supplier. It pairs naturally with invoice factoring: PO funding covers production, factoring covers the wait after delivery.
PO funding for growing manufacturers & importers. Scale orders without cash depletion. Manage tariffs, international suppliers.
Government Contracts
Government contract financing advances up to 90% of contract value against federal (GSA, DoD), state, or local awards, with deals from $250K to $50MM+ priced at Prime + 2–8% and funding in 10–20 business days. As of 2026, it bridges the 30–90+ day payment cycle that defines government work. Because it underwrites against the contract itself, subcontractors waiting on a prime can qualify even when standard factoring won't touch the deal.
Government contract financing for federal, state, and local contracts. Fund prime contractors and subcontractors while awaiting government payment.
Real Estate Lending
Commercial real estate lending covers $500K to $100MM+ of property purchases, refinances, and cash-outs, with bridge structures of 12–36 months (interest-only) and permanent loans amortizing over 25–30 years at Prime + 2–7%. As of 2026, bridge loans handle acquisition timing gaps and cash-out refinances turn dead equity in property you already own into deployable working capital for the operating business.
Real estate financing for growing companies. Bridge loans, refinancing, cash-out options. Fast approval for acquisition timing.
Subordinated & Unsecured Credit
Subordinated and unsecured credit ranges from $50K to $20MM+ at Prime + 4–8%, with 6–36 month terms, no UCC filing on some products, and no personal guarantee on others. As of 2026, it's stretch capital — the layer that sits on top of an asset-based line or a real-estate mortgage when you've pledged everything else but still have a growth opportunity to fund. Subordinated debt lends at 1–5× EBITDA and is how layered-capital stacks actually get built.
Subordinated & unsecured credit for growing companies. Stretch capital when banks say no. Bridge M&A, acquisitions, and strategic timing gaps.
Bridge Funding
Bridge funding is short-term, often interest-only capital from $50K to $5MM+ at Prime + 4–8% that exits when a specific event closes — a contract, an acquisition, a property sale. As of 2026, typical structures close in 3–7 business days, stay outstanding for 30–180 days, and carry aggressive early-payoff discounts so you only pay interest for the days you actually use the money.
Bridge funding for growing companies. Quick capital for timing gaps, acquisitions, operational needs, and seasonal cash flow challenges.
SBA Loans
SBA loans are government-guaranteed loans of $250K to $5MM+ at Prime + 2–3%, amortizing up to 10 years for working capital and 25 years for real estate. As of 2026, they're the cheapest capital most growing businesses will ever access — but they require 4–12 weeks of underwriting, two years of clean financials, and a business that fits the SBA credit box. Programs include the 7(a) for general business needs, the 504 for fixed assets, and SBA Express for faster $500K-and-under deals.
SBA loans for established small businesses. Government-backed financing with lower rates and longer terms for working capital, equipment, and real estate.
Consolidation & Recapitalization
Debt refinancing replaces high-cost debt — stacked MCAs, expensive term loans, multiple monthly payments — with a single cheaper product, typically closing in 10–20 business days. As of 2026, typical outcomes are monthly debt service cut by 30%–50% and all-in rate reduced by 5–10 percentage points. One staffing agency we worked with went from $15K/month in MCA fees to $8K/month on a term loan, freeing $7K monthly for growth.
Debt refinancing for growing companies. Consolidate loans, refinance MCAs, reduce payments by 30-50%. Cash out for growth.
Compare Funding Solutions
Find the right fit based on speed, collateral, and funding amount
| Solution | Speed | Collateral | Amount Range | Best For |
|---|---|---|---|---|
| Working Capital Loans | 2-10 days | None (revenue-based) | $100K - $10M+ | Payroll, seasonal gaps, rapid growth |
| Invoice Factoring | 3 weeks setup, then 24-48 hrs | Unpaid invoices (AR) | $250K - $100MM | Slow-paying customers, strong AR |
| Asset-Based Lending | 6-8 weeks | AR, inventory, equipment | $250K - $25M | Growing companies with strong assets |
| Equipment Financing | 2-4 weeks | Equipment being financed | $100K - $50M+ | Machinery, vehicles, technology |
| PO Funding | 2-4 weeks | Purchase orders | $250K - $50M | Large orders, international sourcing |
| Bridge Funding | 3-5 days | Varies (often unsecured) | $50K - $5M+ | Timing gaps, seasonal needs |
| SBA Loans | 4-12 weeks | Cash flow + assets | $250K - $5M+ | Lowest rates, established businesses |
| Debt Refinance | 10-20 days | Existing assets or cash flow | $250K - $10M+ | MCA escape, payment reduction |
Working Capital Loans
Invoice Factoring
Asset-Based Lending
Equipment Financing
PO Funding
Bridge Funding
SBA Loans
Debt Refinance
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.
Working Capital Loans & Lines of Credit
A working capital loan is short-term, revenue-based financing of $100K to $10M+ that funds in 2 to 10 business days, priced at 1.25%–4% per month. As of 2026, it's the fastest way to cover payroll, inventory, or growth-driven cash gaps when a bank can't move quickly enough — and at the same speed as a merchant cash advance it costs roughly half as much because the payment is monthly rather than a daily extraction from sales.
Invoice Financing
Invoice factoring is the practice of selling unpaid B2B invoices to a factor for 75%–95% of face value within 24–48 hours, then receiving the balance (minus a 0.25%–1% fee per invoice) when the customer pays. As of 2026, pricing typically runs Prime + 1–6%, facility sizes range from $250K to $100MM, and the facility scales automatically with sales. Approval looks at your customers' credit rather than your tax return — which is why it works for growing companies whose financials don't yet tell the full story.
Equipment Leasing
& Financing
Equipment leasing and financing covers $100K to $50MM+ of machinery, vehicles, or technology over 3–7 year terms, with advance rates of 70%–85% of liquidation value and pricing of Prime + 3–10%. As of 2026, financing the asset directly is almost always cheaper than drawing on a working-capital line for the same purchase. Sale-leaseback structures let you extract 50%–70% of the equity from equipment you already own without adding a new debt covenant.
Asset-Based Lending
Asset-Based Lending (ABL) is a revolving credit line — typically $250K to $25M, priced at Prime + 1–5% — secured by a combination of accounts receivable (70%–90% advance), inventory (50%–75% advance), equipment, and sometimes real estate. As of 2026, ABL is the standard replacement for a maxed-out bank line when a company has hard assets but doesn't fit a traditional credit box. Most bank ABL desks start at $3–5M minimums, which is why deals below that size usually need an advisor with multiple lender relationships.
Inventory Financing
Inventory financing advances up to 85% of the liquidation value of finished goods or raw materials, with facilities from $500K to $20M and pricing typically at Prime + 6–12%. As of 2026, it's the right product when growth is being held back by stock you can't afford to hold — particularly for e-commerce and direct-to-consumer businesses that don't have B2B invoices to factor against.
PO Funding
Purchase order (PO) funding pays your suppliers — domestic or international — for 70%–100% of a confirmed customer purchase order, at 1.5%–3% per 30 days, with deals from $250K to $50M. As of 2026, it's the one product that solves cash trapped between you and your supplier. It pairs naturally with invoice factoring: PO funding covers production, factoring covers the wait after delivery.
Government Contracts
Government contract financing advances up to 90% of contract value against federal (GSA, DoD), state, or local awards, with deals from $250K to $50MM+ priced at Prime + 2–8% and funding in 10–20 business days. As of 2026, it bridges the 30–90+ day payment cycle that defines government work. Because it underwrites against the contract itself, subcontractors waiting on a prime can qualify even when standard factoring won't touch the deal.
Real Estate Lending
Commercial real estate lending covers $500K to $100MM+ of property purchases, refinances, and cash-outs, with bridge structures of 12–36 months (interest-only) and permanent loans amortizing over 25–30 years at Prime + 2–7%. As of 2026, bridge loans handle acquisition timing gaps and cash-out refinances turn dead equity in property you already own into deployable working capital for the operating business.
Subordinated & Unsecured Credit
Subordinated and unsecured credit ranges from $50K to $20MM+ at Prime + 4–8%, with 6–36 month terms, no UCC filing on some products, and no personal guarantee on others. As of 2026, it's stretch capital — the layer that sits on top of an asset-based line or a real-estate mortgage when you've pledged everything else but still have a growth opportunity to fund. Subordinated debt lends at 1–5× EBITDA and is how layered-capital stacks actually get built.
Bridge Funding
Bridge funding is short-term, often interest-only capital from $50K to $5MM+ at Prime + 4–8% that exits when a specific event closes — a contract, an acquisition, a property sale. As of 2026, typical structures close in 3–7 business days, stay outstanding for 30–180 days, and carry aggressive early-payoff discounts so you only pay interest for the days you actually use the money.
SBA Loans
SBA loans are government-guaranteed loans of $250K to $5MM+ at Prime + 2–3%, amortizing up to 10 years for working capital and 25 years for real estate. As of 2026, they're the cheapest capital most growing businesses will ever access — but they require 4–12 weeks of underwriting, two years of clean financials, and a business that fits the SBA credit box. Programs include the 7(a) for general business needs, the 504 for fixed assets, and SBA Express for faster $500K-and-under deals.
Consolidation & Recapitalization
Debt refinancing replaces high-cost debt — stacked MCAs, expensive term loans, multiple monthly payments — with a single cheaper product, typically closing in 10–20 business days. As of 2026, typical outcomes are monthly debt service cut by 30%–50% and all-in rate reduced by 5–10 percentage points. One staffing agency we worked with went from $15K/month in MCA fees to $8K/month on a term loan, freeing $7K monthly for growth.
Funding Solutions - Common Questions
Get answers to the most common questions about choosing the right business funding solution
