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ABL vs Revenue-BasedABL与营收贷款对比
Which financing fits you?哪种更适合您?
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Market news & strategies市场资讯与策略
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50+ Capital Partners · Fast Approvals · No Upfront Fees 50+资本合作伙伴 · 快速审批 · 无前期费用

Capital That Moves
as Fast as Your Ambition

资金速度,
与您的雄心同步

We connect growing businesses and real estate investors with strategic capital solutions — from working capital and DSCR loans to ground-up construction financing.

我们为成长型企业和房地产投资者提供战略资本解决方案,涵盖营运资金、DSCR贷款至地产开发建设融资。

50+
Capital Partners
资本合作伙伴
24hr
Pre-Qualification
快速预审
$0
Upfront Fees
无前期费用
EN / ZH
中 / EN
Bilingual Service
中英双语服务
RECENT CLOSINGS
近期成交
DSCR Rental · Atlanta
$260K
Fix & Flip · Orange County
$893K
AR Line · Call Center
$15M
Term Loan · Food Producer
$15M
No Upfront Fees无前期费用
Same-Day Pre-Qualification当日预审
50+ Lending Partners50+贷款合作伙伴
English & Mandarin中英双语服务
First-Time Investors Welcome欢迎首次投资者

Our Specialties

核心业务

Two Paths to Capital.
One Trusted Partner.

两条融资路径,
一个值得信赖的伙伴。

Whether you're scaling a business or investing in real estate, we structure capital solutions tailored to your goals — not just your credit score.

无论您是扩大业务还是投资房地产,我们都会为您的目标量身定制资本方案。

01
Business Capital商业资本

Business Capital Solutions

企业融资方案

Flexible financing built around your cash flow, revenue, and business goals — not just your credit score.

围绕您的现金流、营业收入和经营目标设计的灵活融资方案。

  • Revenue-Based Financing营业收入融资 — $50K–$2M, funded in as fast as 24 hours — $5万–$200万,最快24小时放款
  • Asset-Based Lending (ABL)资产型贷款(ABL) — $250K–$10M+ revolving credit lines — $25万–$1000万+循环信贷额度
  • Term Loans & SBA定期贷款和SBA贷款 — Structured for planned growth and acquisitions — 为计划性增长和收购而设计
  • Equipment Financing设备融资 — Machinery, vehicles, technology, medical — 机械、车辆、科技及医疗设备
  • AR & Inventory Lines应收账款和库存融资 — Unlock capital tied to invoices and stock — 释放被应收账款或库存占用的资金
  • Business Acquisition / Buyouts企业收购/股权买断 — Including SBA-backed structures — 含SBA支持结构
Minimum Qualifications
基本申请条件
📅1+ Year in Business经营满1年
💵$500K+ Annual Revenue年营业额$50万+
📊600+ FICO Score信用评分600+
🏢U.S. Registered Entity美国注册实体
Pre-Qualify Now →立即申请预审 →
02
Real Estate Capital房地产资本

Real Estate Hard Money Capital

房地产硬通货资本

Fast, asset-based capital for investors and developers — including zero-point options and same-day pre-qualification.

为房地产投资者和开发商提供快速、以资产为基础的融资,含零点数方案及当日预审。

  • DSCR Rental LoansDSCR出租贷款 — No income docs, qualify on rental cash flow — 无需收入证明,以租金现金流审批
  • Fix & Flip Loans翻修投资贷款 — Up to 75% ARV, 6–18 month terms — 最高75% ARV,期限6–18个月
  • Bridge Loans过桥贷款 — 6–24 months, close in 5–10 business days — 6–24个月,5–10个工作日完成放款
  • New Construction Loans新建筑融资 — Draw-based, 12–24 months, up to 65–70% ACV — 分批拨款,12–24个月,最高65–70% ACV
  • Build-to-Rent (BTR)建设转租赁 — Construction + DSCR permanent financing in one — 建设与DSCR永久融资合二为一
  • Zero-Point Loan Options零点数贷款方案 — Available across all programs — 适用于所有融资项目
Key Advantages
核心优势
Same-day pre-qual当日预审
🏠First-time investors OK欢迎首次投资者
📄No income docs (DSCR)无需收入证明(DSCR)
0️⃣Zero-point options零点数选项
Pre-Qualify Now →立即申请预审 →

How It Works

运作流程

Simple. Transparent. Fast.

简单·透明·快速

From initial consultation to funded — a clear process every step of the way.

从初步咨询到放款,每个环节清晰透明。

01

Initial Consultation

初步咨询

Tell us about your business or project. We assess your goals and identify the best financing structure.

分享您的企业或项目情况,我们评估您的融资目标并规划最佳方案。

02

Pre-Qualification

融资预审

We submit your profile to our network. Most clients receive a decision within 24 hours.

提交您的资料至合作机构网络,大多数客户24小时内获得审批结果。

03

Offer & Structuring

方案设计

We present competitive options, explain terms clearly, and help you choose the best structure.

提供竞争性方案,清晰说明条款,协助您选择最优融资结构。

04

Closing & Funding

成交与放款

We guide you through closing. Funds are typically disbursed within days of final approval.

协助完成成交流程,贷款通常在最终批准后数日内放款。

Free Tools

免费工具

Calculators & Education

计算器与教育资源

Analyze deals, compare financing costs, and deepen your understanding before applying.

申请前分析项目、比较融资成本,深入了解相关方案。

Knowledge Base

知识库

90+ Investor Guides,
Bilingual & Free
90+篇投资者指南
中英双语·免费

Explore all six categories of real estate financing education. Click any topic to read the full guide.探索六大类房地产融资教育内容,点击任意主题阅读完整指南。

🏠
DSCR Loans
DSCR贷款
20 articles
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Fix & Flip
翻修投资
19 articles
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Bridge Loans
过桥贷款
20 articles
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New Construction
新建筑融资
16 articles
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Build to Rent
建设转租赁
16 articles
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Hard Money 101
硬通货基础
13 articles

Resources

资源

Guides, Audio & Insights

指南、音频与洞察

Educational resources to help you understand your financing options — in English and Mandarin.

帮助您了解融资选项的教育资源,提供中英双语版本。

🎧 Audio Guide
🎧 音频指南

Revenue-Based Financing
Explained — Bilingual Audio Guide

营业收入融资解析
中英双语音频

Listen to our bilingual audio guides explaining revenue-based financing — what it is, how it works, who qualifies, and how to apply.

收听我们的中英双语音频指南,了解营业收入融资的定义、运作方式、申请资格及申请流程。

English Guide
中文指南
📰 Featured Article
📰 精选文章

Private Credit:
The Quiet Revolution

私募信贷:
悄然而至的革命

PRIVATE CREDIT · $1.7 TRILLION MARKET
私募信贷 · 1.7万亿美元市场

How Alternative Lending Is Reshaping Business Finance

另类贷款如何重塑企业融资格局

The private credit market has grown to $1.7 trillion — surpassing leveraged loans and high-yield bonds combined. Learn why businesses are choosing alternative capital over traditional banks.

私募信贷市场已增长至1.7万亿美元,超越杠杆贷款和高收益债券的总和。了解为何越来越多的企业选择另类资本而非传统银行。

⚖️ Interactive Guide
⚖️ 互动指南

ABL vs. Revenue-Based Lending — Which Is Right for You?

资产型贷款 vs. 营收贷款——哪种更适合您?

Not sure whether Asset-Based Lending or Revenue-Based Financing fits your business? Take the 2-minute quiz and see a full side-by-side comparison.

不确定资产型贷款还是营收贷款更适合您的企业?完成2分钟测试,查看完整对比。

Case Studies

成功案例

Real Deals. Real Outcomes.

真实交易,真实成果。

Every case drawn from actual transactions. Client identities kept confidential.

以下每个案例均源自真实交易,客户身份严格保密。

AR Line应收账款额度

Call Center Scales with $15M AR Line After Landing Major Contracts

呼叫中心签下大合同后获$1500万应收账款额度

A rapidly expanding call center secured major enterprise contracts but lacked upfront capital. We arranged a $15M accounts receivable line matched to their sales cycle in 30 days.

快速扩张的呼叫中心签下大型合同,但缺乏前期资金。我们在30天内安排了1500万美元应收账款额度。

$15M
Funded
获批金额
30d
To Close
放款周期
+36%
Revenue
营收增长
Revolving + Term循环+定期

Apparel Wholesaler Unlocks $11M to Fulfill Surging Orders

服装批发商获$1100万融资履行激增订单

Fast-growing wholesaler flooded with orders — bank denied overadvance. We arranged a $7M revolving credit + $4M term loan outside their bank, closed in days.

高速增长的批发商订单激增,银行拒绝超额申请。我们安排了700万循环信贷+400万定期贷款,数日内完成。

$11M
Funded
获批金额
Days
To Close
放款周期
Rev+Term
Structure
融资结构
Term Loan定期贷款

Food Producer Acquires Competitor's Facility in 20 Days — 10X Output

食品生产商20天完成收购,产能扩大10倍

Global food producer had 20 days to close. Short $15M from senior lender's commitment. We coordinated all parties to close the gap right on deadline.

国际食品生产商有20天完成收购,差额1500万美元。我们协调各方在截止日期内完成融资。

$15M
Gap Funded
补充融资
20d
Deadline
截止期限
10X
Output
产能扩大
Flex Line灵活额度

Ticket Reseller Capitalizes on Playoff Season with $3M Flex Line

票务商以$300万灵活额度把握赛季商机

High-volume sports ticket reseller needed $3M for premium playoff inventory. Rigid repayment was a dealbreaker. We arranged a flex line aligned to playoff timing.

高量票务商需要300万美元锁定季后赛优质库存,固定还款不适合。我们安排了对齐赛季的灵活额度。

$3M
Initial Line
初始额度
+$950K
Follow-On
追加额度
Flex
Structure
融资结构
Term Loan定期贷款

Agricultural Distributor Weathers Commodity Squeeze with $15M Term

农业分销商以$1500万定期贷款化解大宗商品危机

55-year-old CA distributor faced commodity spikes, shifting collateral, and tightened bank credit during Q4. We structured a $15M seasonal term loan.

55年历史的加州农业分销商遭遇大宗价格飙升和银行收紧信贷。我们构建了1500万美元季节性定期贷款。

$15M
Funded
获批金额
55yr
Client History
运营年限
Seasonal
Structure
融资结构
Flex Line灵活额度

Painting Contractor Expands to New States with $400K Flex Line

涂装承包商以$40万灵活额度进军新州市场

20-year CA contractor, 800+ FICO, ready to expand but traditional lenders offered rigid terms. We secured $400K flex line with initial $200K draw.

20年历史的加州承包商,信用评分800+,传统贷款方持续提供不符需求的固定期限产品。我们争取到40万美元灵活额度。

$400K
Flex Line
灵活额度
800+
FICO
信用评分
Multi
States
扩展州数
DSCR · 30-Yr FixedDSCR · 30年固定

First-Time Rental Investor Closes DSCR Loan — No Income Docs

新手出租房投资者无需收入证明获DSCR贷款

Limited-experience investor purchased single-family rental in Atlanta suburb. Approval based on rental cash flow only — no tax returns or pay stubs needed.

经验有限的投资者在亚特兰大郊区购入独栋出租房,仅凭租金现金流获批,无需报税单或工资单。

$260K
Funded
获批金额
77.61%
LTV
贷款比例
Zero Pt
Points
零点数
Fix & Flip · High LTC翻修投资 · 高LTC

SoCal Fix & Flip Funded at 85.83% LTC — Full Rehab, $1.03M ARV

南加州翻修项目获LTC 85.83%高杠杆融资

Professional investor purchased in competitive Orange County for $850K targeting $1.03M ARV. High-leverage funding secured for the full renovation scope.

专业投资者在竞争激烈的橙县以85万美元购入独栋住宅,目标翻新后价值103万美元,获高杠杆融资。

$893K
Funded
获批金额
85.83%
LTC
贷款成本比
$1.03M
ARV
修缮后价值
Bridge → DSCR过桥→DSCR

Bridge to DSCR — Investor Stabilizes Before Permanent Financing

过桥转DSCR——投资者稳定房产后转为永久融资

Investor acquired vacant rental property via bridge loan, renovated and leased, then refinanced into a 30-year DSCR loan once stabilized.

投资者通过过桥贷款收购空置出租房,翻修出租后,待稳定时再融资为30年DSCR贷款。

Bridge
Phase 1
第一阶段
DSCR
Phase 2
第二阶段
30yr
Fixed Exit
固定退出

Get Started

开始申请

Ready to Move
Forward?

准备好
迈出下一步?

Complete the form and our team will reach out within one business day. No credit pull. No commitment. No upfront fees.

完成表格,我们的团队将在一个工作日内联系您。无信用查询,无需承诺,无前期费用。

🌐
Website
网站
✉️
Email
电子邮件
📞
Phone
电话
💬
Languages
服务语言
English · Mandarin
英语 · 普通话
Response Time
响应时间
Within 1 business day
1个工作日内

Pre-Qualification Request

融资预审申请

Tell us about your needs — no credit pull required.

告诉我们您的需求——无需信用查询。

Request Received!

申请已收到!

Thank you! Our team will be in touch within one business day. We look forward to helping you structure the right financing solution.

感谢您的申请!我们的团队将在一个工作日内与您联系,期待为您提供最优融资方案。