Sullivan Any time a bank doesn't do the job, we step in.
We know the private lenders who can move faster than a bank, who can put out more risk because they don't have investors to satisfy.
The structural difference
Why commercial banks fail modern businesses.
Banks answer to public shareholders, federal regulators, and rigid algorithmic credit models. When your opportunity doesn't fit their box, they decline or stall.
Speed over bureaucracy
Traditional banks run multi-tiered credit committees and weeks of regulatory checks. Our private lender network makes underwriting decisions in days, not months.
Higher risk appetite
Our private debt partners manage autonomous funds with no public equity shareholders to appease, so they have the mandate to underwrite real commercial momentum.
Precision network access
We do not broadcast your balance sheet. We curate direct relationships with capital sources that specialize in your asset class and profile.
Bureaucratic and constrained
- Multi-month underwriting and committee votes
- Frozen by compliance overlays and quarterly investor reporting
- Credit line freezes during broader contractions
- Rigid debt-service coverage minimums with zero flexibility
Autonomous and agile
- Lenders move in 24–72 hours with direct decision-maker access
- Higher risk tolerance: no public investors or deposit boards to satisfy
- Asset-centric and cash-flow-forward underwriting
- Bespoke structures: SBA, equipment, term, line of credit, MCA
Brokerage products
Tailored capital facilities
Every transaction is mapped to vetted private lenders with the appetite, speed and capital authority to execute.
SBA Loans
When conventional lenders stall on SBA approvals or require prohibitive covenants, we connect your business to specialized institutions and alternative structures that execute with speed.
- SBA 7(a) and 504 loan alternatives
- Flexible collateral and secondary underwriting criteria
- Long amortization schedules that preserve operational runway
- Originators who understand the regulatory nuances
Equipment Financing
Acquire mission-critical machinery, technology, plant or heavy vehicles without freezing liquidity or waiting on committee reviews.
- Collateralized against equipment value rather than rigid corporate ratios
- Tiered lease-to-own and custom balloon structures
- Capital deployed ahead of seasonal or delivery deadlines
- Refinancing and sale-leaseback options for trapped equity
Term Loans
Predictable debt capital engineered to fuel expansion, bridge liquidity gaps, or execute time-sensitive opportunities without equity dilution.
- Fixed and floating schedules tailored to projected cash receipts
- Autonomous private lenders with no public shareholder risk committees
- No operational lockups or arbitrary credit line reductions
- Early payoff provisions and senior/subordinated tiering
Line of Credit
Revolving credit designed to protect operating cash flow. Draw as needed, pay interest only on drawn balances, and reload availability as you repay.
- Interest accrues only on drawn capital, not the committed facility
- No annual audit requirements or arbitrary freeze triggers
- Digital draw requests with funds wired same-day or next-day
- Renewable terms aligned with your revenue cycle
Merchant Cash Advance
Immediate liquidity based on forward sales receipts and cash flow rather than personal credit or hard collateral. Fast execution when an opportunity cannot wait on a bank.
- Remittances flex with daily or weekly cash volume
- High approval rates without balance-sheet covenants
- No collateral pledge; evaluated on verified bank receipts
- Early renewal and supplemental funding for active accounts
Applied before?
Your file is already open.
If you have applied for capital through us or one of our partners, we do not make you start over. Your application comes up filled in: confirm what is still true, add the newest three bank statements, sign. Four minutes, not forty.
Open your file“We know the private lenders who can move faster than a bank, and who can put out more risk because they don't have investors to satisfy.”Sullivan Financing operating mandate