REVENUE-BASED FINANCING
| Funding amount | Custom |
| Term | Up to 4 years |
| Repayment | Scaled to revenue |
Direct capital solutions for entrepreneurs, operators, and high-growth enterprises. No brokers. No runaround. Just funding built to match your ambition.
| Funding amount | Custom |
| Term | Up to 4 years |
| Repayment | Scaled to revenue |
| Loan amount | Up to $20MM |
| Term | 1–30 years |
| Funding speed | 2–14 days |
| Loan amount | Up to $10MM |
| Term | 5–25 years |
| Structure | Government-backed |
| Credit line | Up to $5MM |
| Term | Revolving |
| Use | Draw as needed |
| Loan amount | Custom |
| Term | 2–10 years |
| Collateral | Equipment financed |
| Advance rate | Up to 95% |
| Rates from | 6.55%+ |
| Funding | Based on invoices |
| LTV | Up to 85% |
| Term | Up to 30 years |
| Minimum DSCR | 1.25 |
| Rates from | 7.50%+ |
| Options | Interest-only available |
| LTV | Up to 90% |
| Term | 12–36 months |
| Rates from | 7.99%+ |
| Options | Interest reserves & rate buydown available |
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Avalo Capital is a direct lender. We underwrite and fund from our own capital. Your application is not shopped to outside funders, sold as a lead, or passed to third-party brokers.
Timelines vary by product. Equipment and revolving-credit transactions are generally the fastest once approval and final documentation are complete. Larger term, SBA, real-estate and construction transactions require more underwriting time.
Programs range from smaller working-capital facilities to business term loans of up to $20 million. Real-estate transactions — including DSCR rental and ground-up construction financing — can reach $50 million. Maximum proceeds are based on the product, borrower qualifications and available collateral. Advertised rate ranges are illustrative and subject to completed underwriting.
It depends on the program. Some financing can be reviewed on recent business bank statements and identity verification alone. Business term loans and SBA financing require a fuller file — typically tax returns, profit-and-loss statements, balance sheets and ownership information. Real-estate and construction transactions add property, project and collateral documentation on top of that.
No. Credit is one factor among many. Underwriting also considers business cash flow, revenue consistency, time in business, collateral, industry and the purpose of the financing.
Some programs may be available to newer businesses, particularly when supported by strong owners, collateral, contracts or industry experience. Many conventional products still require operating history.
A DSCR loan is underwritten primarily on an investment property's rental income compared with its debt obligations, with a minimum debt-service-coverage ratio such as 1.25 and interest-only options on some programs. These are business-purpose loans on investment property, not consumer mortgages.
No. We do not charge prepayment penalties. In fact, we offer prepayment discounts when financing is paid off early.
An initial review may use a soft credit inquiry, while a hard inquiry may be required later in the process. You will be informed before a hard inquiry is authorized.
No. Consent to receive text messages is not a condition of applying for or receiving financing. You can submit an application without opting in, and you can opt out at any time by replying STOP to any message.
Submit your application or book a free consultation today.