Funding Solutions

Every Business Runs on
Capital. We Deliver It Direct.

Six distinct funding products — each engineered to solve a specific business need. No one-size-fits-all solutions. No intermediaries. Just direct capital from BWIRED to your business.

Most Requested

Working Capital Loans

The operational lifeblood of any business. Working capital is what keeps payroll running, inventory stocked, and the lights on — especially during seasonal dips or rapid growth phases when cash timing creates gaps.

BWIRED's working capital loans are deployed directly from our balance sheet, with fast underwriting that looks at your actual business performance — not just credit scores. We fund businesses that are growing, seasonal, or simply need a cash flow bridge.

  • Fund daily operations, payroll, and vendor payments
  • Bridge seasonal cash flow gaps without interruption
  • Flexible repayment structured to match your cash cycle
  • No collateral required for qualified businesses
  • Same-week funding available for approved applicants
Apply for Working Capital
$10K–$500KFunding Range
24–48 HoursTypical Approval
3–18 MonthsTerm Length
6 Months+Min. Time in Business
Capital Preservation

Equipment Financing

The machinery, vehicles, and technology your business runs on are its infrastructure. Acquiring them shouldn't require depleting your working capital or waiting months for bank approval.

BWIRED's equipment financing lets you acquire the assets you need now while preserving cash for operations. We finance a broad range of commercial equipment — from construction machinery and commercial vehicles to restaurant equipment and medical devices.

  • Finance new or used commercial equipment
  • Equipment serves as primary collateral
  • Preserve working capital for day-to-day operations
  • Potential tax advantages (consult your tax advisor)
  • Cover industries: construction, restaurant, medical, tech, transport
Finance Your Equipment
$25K–$2MFunding Range
24–72 HoursTypical Approval
12–84 MonthsTerm Length
1 Year+Min. Time in Business
Growth Capital

Business Term Loans

For expansion, acquisitions, renovations, and major strategic investments — you need structured capital with predictable repayment. Business term loans provide a lump sum with defined terms that make financial planning straightforward.

Unlike revolving credit, a term loan delivers capital once for a specific purpose. BWIRED offers term loans with fixed rates, transparent schedules, and no prepayment surprises — just clean, direct financing for your growth agenda.

  • Expand to new locations or markets
  • Fund business acquisitions or partner buyouts
  • Renovate facilities or upgrade infrastructure
  • Fixed payments for easy financial planning
  • Longer terms available for larger investments
Apply for a Term Loan
$50K–$5MFunding Range
3–5 DaysTypical Approval
12–60 MonthsTerm Length
2 Years+Min. Time in Business
On-Demand Capital

Business Line of Credit

Capital on-demand, structured like a circuit: draw power when you need it, restore capacity when you pay back. A revolving business line of credit is the most flexible funding tool available — and direct access to one from a direct lender means lower cost and faster draws.

BWIRED's business lines of credit are designed for businesses that want optionality: the ability to handle unexpected expenses, capitalize on sudden opportunities, or simply have a financial buffer that costs nothing when unused.

  • Draw and repay on your schedule
  • Only pay interest on what you use
  • Revolving capacity restores as you repay
  • Ideal for managing cash flow variability
  • No draw fees on most programs
Open a Line of Credit
$10K–$250KCredit Limit
24–48 HoursTypical Approval
12 MonthsRevolving Period
1 Year+Min. Time in Business
Unlock Receivables

Invoice Financing

Outstanding invoices represent real money your business has already earned — but 30, 60, or 90-day payment terms trap it in limbo. Invoice financing lets you convert that trapped capital into available cash without waiting for your clients to pay.

BWIRED advances a percentage of your outstanding invoices upfront, then collects directly from your clients when invoices come due. You access capital now; the invoices handle the repayment.

  • Advance on outstanding B2B invoices
  • Typical advance rate 75–90% of invoice value
  • Eliminate the 30–90 day cash flow wait
  • Repayment sourced from your clients' payments
  • Scales with your receivables volume
Finance Your Invoices
$10K–$1MFunding Range
24–48 HoursTypical Approval
Up to 90%Advance Rate
B2B OnlyInvoice Type
Aligned Repayment

Revenue-Based Financing

Traditional loans demand fixed payments regardless of how your business performs. Revenue-based financing aligns repayment with your actual revenue — when business is strong, you pay more; when it slows, payments adjust accordingly.

BWIRED provides an upfront capital injection in exchange for a small, agreed-upon percentage of your monthly revenue until a predetermined amount is repaid. No fixed term, no fixed payment, no stress during slow months.

  • Repay as a percentage of monthly revenue
  • Payments flex with your revenue performance
  • No fixed monthly obligation stressing cash flow
  • Ideal for businesses with variable revenue patterns
  • Repay early when business is strong — no penalties
Explore Revenue-Based Financing
$10K–$500KFunding Range
24–48 HoursTypical Approval
3–15%Revenue Percentage
6 Months+Min. Time in Business
Qualifications

General Eligibility Requirements

Most businesses qualify. Our underwriting looks at business performance holistically — not just traditional credit metrics.

Time in Business

Minimum 6 months in operation for most programs. Term loans may require 2+ years.

Monthly Revenue

Minimum $10,000/month in business revenue for most working capital and line of credit programs.

Business Entity

Must be a registered US business entity: LLC, Corporation, S-Corp, or Partnership.

Personal Guarantee

Owner(s) with 20%+ ownership may be required to provide a personal guarantee.

Business Bank Account

Active business checking account required for funding deposit and repayment processing.

Basic Documentation

3–6 months of business bank statements. Additional documents may be requested for larger funding amounts.

Find Your Funding Solution
in Minutes

Apply once — our team reviews every funding product to find the best fit for your business. No commitment, no hard credit pull to start.

Start Your Application