Diagnose Your Cash Bottleneck
Part 1 of our education series: pinpoint where cash is getting stuck in your business before choosing a financing solution.
P&L Capital is a business financing partner for American operators. We fund equipment, fuel growth with working capital, merchant cash advances, and SBA loans, and connect our clients with a vetted network of financial services—merchant processing, group health, residential lending, and beyond. One relationship. The full back office.
From single-asset purchases to full fleet upgrades, we structure equipment financing that preserves cash and aligns payments to revenue. Trucks, machinery, restaurant builds, medical, IT, manufacturing—we fund what runs the business.
Fast, flexible capital for payroll, inventory, expansion, or just covering the gap between invoice and deposit. We work with operators in every industry and build terms around the rhythm of the business—not a rigid template.
An advance against future card and bank deposits, built for businesses that need capital now and want repayment that flexes with sales. Approvals lean on revenue and cash flow rather than credit score, so seasonal and fast-moving operators get funded quickly.
Government-backed financing with long terms and competitive rates for acquisitions, real estate, expansion, and refinancing. We guide clients through the SBA process—packaging, lender matching, and closing—so the paperwork doesn't stall the deal.
A lump sum of capital borrowed from a lender that is repaid over a fixed period with regular payments.
| Product | Funding | Term | Rates from | Speed | Credit | Time in business |
|---|---|---|---|---|---|---|
| $5k – $10M | 3 Months – 10 Years | 1–4% Monthly | 1–3 Business Days | 550+ | 1 Year+ | |
| $50k – $10M | 10 – 25 Years | Prime + 2.75% | 4–12 Weeks | 675+ | 5 Years+ | |
| $1k – $1M | Up to 36 Months | 1% per month | 1–3 Business Days | 575+ | 1 Year+ | |
| Up to $10M per piece | 1 – 10 Years | 6.5% (SBA) | 1–2 Business Days | 550+ | 6 Months+ | |
| $5k – $5M | 3 – 24 Months | 1–6% Monthly | 1–2 Business Days | 475+ | 6 Months+ | |
| $250k – $25M | Up to 24 Months | 1% per month | 1 – 2 Weeks | 500+ | 1 Year+ |
Questions about a product? Email peter@plbusinesscapital.com, or send application documents to admin1@plbusinesscapital.com.
Loan products subject to credit approval and underwriting. Figures shown are typical ranges and may vary. *Varies by lender.
Part 1 of our education series: pinpoint where cash is getting stuck in your business before choosing a financing solution.
Part 2 of our education series: how merchant cash advances can drain cash flow through daily payments and high costs, and what to consider instead.
Part 3 of our education series: how SBA loans can fund expansion and large purchases like equipment and real estate.
Part 4 of our education series: how invoice factoring and accounts receivable financing differ, and which fits your cash flow.
Part 5 of our education series: how a business line of credit can bridge seasonal dips in cash flow so you only borrow what you need, when you need it.
Part 6 of our education series: how equipment loans help you buy heavy machinery, with the equipment itself serving as collateral.
Why your credit score isn’t always the deciding factor, factoring vs. AR financing, what factor rates really cost, the 30-day zero-balance rule, modern SBA programs, and how lenders grade your bank statements.
A side-by-side briefing on SBA 7(a) and 504, bank and online loans, lines of credit, equipment financing, factoring, RBF and MCAs—plus the documents and ratios lenders look for.
Why waiting for lower rates costs more, the $31,000 credit-tier gap, matching loan terms to asset life, negotiating price before financing, sale-leasebacks, SBA 504 and 7(a), and Section 179 tax stacking.
Equipment loans vs. leases, lender types compared by rate, credit and speed, SBA 7(a), WCP and 504 programs, how rates are priced, underwriting thresholds, a document checklist, Section 179, and six real-world deal structures.
A slide-by-slide guide to comparing loan types, the speed-versus-cost tradeoff, how lenders grade your bank statements, the red flags that sink applications, a pre-funding checklist, and a step-by-step roadmap.
Most of our clients arrive looking for funding—and stay for the network. Through trusted partner relationships, we connect operators and their families with best-in-class providers across four additional verticals. We don't sell these products. We make the introductions that actually move the needle.
Card processing, point-of-sale, and payment infrastructure—structured to lower effective rates and modernize how revenue moves. Offered through our partner 360 Universal Solutions, with transparent pricing and real service-level commitments.
Enroll with 360 Universal Solutions ↗360 Universal SolutionsBenefits architecture for growing teams. Group medical plans, full-service PEO partnerships for HR and payroll consolidation, and ICHRA design for employers who want predictability without traditional group constraints.
Benefits & HR PartnersConventional, FHA, VA, jumbo, and non-QM home financing for the operators we work with—and the people who work for them. Purchase, refinance, cash-out, and investment property programs through licensed mortgage partners.
Mortgage Partner NetworkAsset-based residential financing for investors—fix-and-flip, ground-up construction, DSCR rentals, and short-term bridge capital. Speed and structure when traditional underwriting won't fit the deal timeline.
Private Capital PartnersCPAs, attorneys, brokers and advisors send us business owners who need capital. Every partner gets a private portal showing each referral's status, loan number, funded amount and commission.
A short call—no application yet. We learn the business, understand the use of funds, and map out which products and partners actually fit.
One simple package. Bank statements, basic financials, and a soft pull where applicable. We do the leg work submitting to the right desks.
Side-by-side term sheets so the comparison is honest. We explain trade-offs in plain English—rate, term, structure, total cost.
Funding lands. The relationship continues. Renewals, additional facilities, and warm intros to our network as the business grows.
Decisions are made by people who understand cash flow, payroll cycles, and the cost of waiting too long for a yes.
No teaser rates, no surprise fees at funding. The number you see in conversation is the number that closes.
Capital is the start. The referral network is what keeps clients with us for the long run.
Tell us a little about the business and what you need. We'll respond within one business day with next steps.