Hard Money for Small Businesses? Absolutely. Because Hard Money is secured by assets and property, it's the perfect solution for urgent business capital needs.
We recognize that managing a business is demanding enough without the added stress of complex funding challenges. Small businesses often struggle to secure traditional capital due to factors like insufficient operating history, poor credit history, lack of sufficient collateral, or inconsistent cash flow.
To counter these hurdles, we provide strategic capital designed to keep your operations seamless and ready for growth. We secure short-term financial flexibility through Hard Money, then assist you with a smooth transition into long-term private credit for lasting stability.
Private credit encompasses a range of financing types, each offering different risk and repayment structures. We focus on the forms of private credit that best align with your business objectives, including Senior Secured Loans, Mezzanine Debt, Asset-Based Lending, and Merchant Cash Advance.
Additionally, for strategic growth or transition planning, we offer valuable resources. We maintain a trusted network of seasoned M&A Business Brokers with decades of experience in the intricacies of business brokerage services within the Chicago Metropolitan Area.
Contractors:
Food and Beverage:
We generally do not provide credit services to businesses operating primarily online. Exceptions are rare and considered on a case-by-case basis. To discuss your specific business and service offerings, please contact us directly.

We utilize this debt for small businesses seeking lower-cost capital, certainty of funding, and higher loan amounts, leveraging the value of the core business assets for both short-term flexibility and long-term strategic growth.
These loans are typically placed at the top of the capital structure for repayment.

Specialized, non-dilutive debt that sits just above common equity in your capital structure.
It provides the incremental capital needed when senior debt limits are reached, offering a flexible repayment structure and higher risk-adjusted returns for lenders, empowering you to execute your most ambitious projects.

A flexible revolving line of credit that converts accounts receivable, inventory, and equipment—directly into working capital.
This solution scales with your business, providing maximum liquidity to fund expansion, support seasonal sales, or navigate rapid growth, with minimal financial covenants.

A Merchant Cash Advance is an alternative funding solution where we purchase a portion of your future sales. It's a quick, unsecured way to get the capital your business needs without the collateral or credit score requirements of a traditional loan.
Repayment is simple: a fixed percentage is automatically deducted from your daily card sales until the advance is complete.

"Small business is my passion. I understand the unique challenges of entrepreneurship and I'm personally committed to your success. I would love to meet you, learn about your business, and offer our team's resources, even if you are not yet a client. As we grow together, I hope you'll join my vision to build a strong local network where every owner has the support they need to thrive."
- E.M. Souza
While we proudly support established small business owners, we are equally committed to discussing ventures with those new to entrepreneurship. If you're interested in starting a service based business, creative venture, or startup, let's connect and structure your first business plan.
Contact me today for an in person, no-obligation conversation. I am ready to help you get funded!
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