Capital Library | TrueLevel Advisory
Quick Comparison

Build the Right Capital Structure for Your Business

Product Speed Credit Required Best For Action
Asset-Based Lending 3–7 days Flexible Asset-rich businesses Learn More
Revenue-Based Lending 3–7 days Moderate Variable revenue businesses Learn More
Long-Term Debt 1–3 weeks Strong Expansion & growth Learn More
Equipment Financing 2–5 days Flexible Equipment purchases Learn More
Invoice Factoring 3–7 days Flexible B2B with unpaid invoices Learn More
SBA Loans 3–6 months Moderate Established businesses Learn More

Actual SBA timelines vary with documentation completeness, lender type, and deal complexity.

Asset-Based Lending

Use your accounts receivable and inventory as the borrowing base to unlock a revolving credit facility sized to your asset base.

  • Accounts receivable borrowing base
  • Inventory borrowing base
  • Revolving credit facility
  • Flexible qualification criteria
Learn More

Revenue-Based Lending

Repayments flex with your monthly revenue — pay more when business is good, less during slow periods. No fixed monthly payment pressure.

  • Payments tied to revenue
  • No fixed collateral required
  • Ideal for seasonal businesses
  • Streamlined underwriting process
Learn More

Long-Term Debt

Strategic long-term financing for expansion, acquisition, or refinancing existing debt. We restructure your entire debt stack for sustainable growth.

  • Terms up to 10+ years
  • Debt stack restructuring
  • Structured, long-term repayment terms
  • Large funding amounts
Learn More

Equipment Financing

Acquire the machinery, vehicles, or technology your business needs without depleting working capital. The equipment itself serves as collateral.

  • New & used equipment
  • Potential tax benefits (Section 179 — consult your tax advisor)
  • Preserve working capital
  • Flexible terms 2–7 years
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Invoice Factoring

Stop waiting 30–90 days for customers to pay. Convert your outstanding invoices into immediate working capital — no debt added to your balance sheet.

  • Advance up to 90% of invoice value
  • Not a loan — no debt incurred
  • Based on customer creditworthiness
  • Ideal for B2B companies
Learn More

SBA Loans

Government-backed SBA 7(a) and 504 loans offer some of the longest repayment terms available. We guide you through the entire process.

  • SBA 7(a) up to $5 million
  • SBA 504 for real estate & equipment
  • Extended repayment terms
  • Expert application guidance
Learn More

Not Sure Which Capital Instrument Fits Your Architecture?

Morgan, our Voice Advisor, or a Senior Advisor can walk through your Cash Conversion Cycle with you and point you to the right instrument for your situation.