Direct lending products designed around how real businesses operate — with speed, flexibility, and total transparency.
Every business has operational rhythms — peak seasons, inventory cycles, payroll obligations that don't pause. Our working capital loans provide the liquidity to keep your business running at full capacity regardless of timing gaps in your cash flow.
Unlike traditional bank loans that require extensive documentation and weeks of processing, our working capital financing is designed for speed. We evaluate your business's health holistically — not just a credit score — and deliver capital that fits your actual operations.
Modern equipment is the backbone of competitive business operations — and the cost of acquiring or upgrading it shouldn't drain your working capital reserves. Our equipment financing lets you bring critical assets into service immediately while preserving liquidity for operations and growth.
Repayment terms are structured around the productive lifespan of the equipment and your expected revenue from its deployment — creating an alignment between what you pay and what you earn.
For businesses with strong recurring revenue but variable monthly performance, revenue-based financing offers a natural solution: repayments flex in proportion to what you earn. In strong months, you pay more. In slower periods, you pay less. No fixed obligations that ignore your business's reality.
This product is especially well-suited for seasonal businesses, subscription-based models, and e-commerce companies whose revenue patterns don't fit a rigid repayment schedule.
Outstanding invoices represent earned revenue sitting idle — capital your business needs but cannot yet access. Invoice financing converts those receivables into immediate cash, letting you reinvest in operations, personnel, or growth without waiting on customers' payment timelines.
Unlike factoring, our invoice financing keeps your customer relationships intact. You maintain full control of collections while gaining immediate access to the capital your work has already earned.
For planned, substantial investments — facility expansion, major acquisitions, new market entry — a business term loan provides the predictability of fixed payments and a defined payoff timeline. Know your obligation from day one and plan accordingly.
Our business term loans are underwritten with consideration for your entire financial picture, not just credit scores. Strong business performance and cash flow are recognized and rewarded in the structure of your offer.
A revolving business line of credit gives you permanent financial flexibility — draw capital when you need it, repay it when you're able, and draw again. You're only charged on what you use, making it the most cost-efficient solution for ongoing capital needs.
Ideal for businesses managing consistent but unpredictable capital requirements — bridging payment gaps, seizing short-notice opportunities, or simply maintaining a reliable liquidity backstop behind your operations.
Cross Atlantic Financial works with businesses across a broad range of industries throughout the United States.
We evaluate each application holistically. These are general parameters — not rigid disqualifiers.
Our team will help identify the best product for your situation. Speak directly with a funding specialist — no scripts, no pressure.
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