Large Business Loans
Ben Moss, Capital Advisor

Your capital advisor

Ben Moss

Ben advises business owners and real estate investors across unsecured credit, asset-backed lending, and private capital. His perspective comes from more than $1B in business activity and years spent working inside the financial-services and lending ecosystem.

As a lending insider, Ben has partnered closely with Bank of America, Citi, Chase, Wells Fargo, and many more conventional and alternative lenders across multiple financing verticals. That experience helps him advocate for each client more effectively.

$1B+

Business activity

Insider

Lender relationships

Relentless

Client satisfaction

The advisory approach

Responsive communication, candid guidance, and an uncompromising commitment to client satisfaction—from the first conversation through closing.

Two paths to capital, coordinated through one relationship.

We evaluate the operating business, the transaction, available collateral, and your objectives to determine whether business credit, asset-backed financing, or a coordinated combination offers the strongest path forward.

Route 01

Business credit

Unsecured and cash-flow based financing

Capital solutions structured primarily around business performance, operating history, credit profile, and cash flow.

  • Unsecured term loans
  • Business lines of credit
  • Working capital
  • Revenue-based financing
  • SBA financing options
  • Equipment financing

Route 02

Asset-backed credit

Real estate and collateral-based financing

Financing for acquisitions, refinances, construction, investment properties, and businesses with usable collateral.

  • Business and investment-property HELOCs
  • DSCR rental loans
  • Fix-and-flip financing
  • Ground-up construction loans
  • Commercial real estate loans
  • Bridge and acquisition financing

Loan amounts, rates, leverage, collateral requirements, repayment terms, and closing timelines vary by program and underwriting.

A broader view of the capital landscape

We look beyond a single loan product.

A borrower may qualify through the strength of the business, the value of an asset, or a combination of both. Our process is designed to identify the strongest available structure—not force every request into the same program.

Our review framework

The complete financing picture

01

Operating business

Revenue, time in business, cash flow, credit profile, and intended use of proceeds.

02

Available assets

Commercial property, investment real estate, equipment, receivables, and other eligible collateral.

03

Transaction structure

Acquisition, refinance, bridge, construction, renovation, expansion, or general working capital.

The route from review to closing

A clear course to the right capital structure.

Different products require different underwriting. The process stays coordinated so the business owner has one clear point of contact.

01

Initial financing review

Share the funding amount, purpose, business profile, and estimated credit range through the existing short form.

02

Advisor assessment

We evaluate cash flow, operating history, the transaction, and any available collateral across multiple financing disciplines.

03

Secure application

If there is a viable path, complete the application and connect the business account through Plaid or upload the requested documents.

04

Structure and execution

We compare realistic capital sources, explain material tradeoffs, and coordinate the selected path through underwriting and closing.

Program availability, documentation, underwriting, and closing timelines depend on the financing type and the underlying borrower or asset.

Financing questions

Questions worth asking before you choose a capital source.

These are general explanations, not a commitment to lend or a substitute for reviewing the specific business, borrower, asset, and transaction.

Start with the complete picture

Explore the financing paths available to your business or transaction.

Complete the initial review so we can evaluate unsecured, cash-flow based, asset-backed, and commercial real estate options.

One coordinated point of contact
Multiple financing disciplines
Secure application and document process
Terms subject to underwriting and approval