Working capital loans
Fast capital for businesses that need speed and can support frequent remittances tied to real revenue activity.
See working capital optionsBroad product access, direct guidance
Funding that fits the business you are actually running.
I help U.S. operators compare working capital, lines of credit, equipment financing, term loans, factoring, PO financing, SBA 7(a), bridge loans, and commercial real estate capital without wasting weeks in the wrong process. The goal is simple: match the structure to your timeline, cash flow, and growth plan.
Apply if you already have a financing request ready. Use the calculators and guides first if you are still pressure-testing cost, speed, or repayment fit.
Professional role
Nicolas Lescalier — Senior Funding Advisor at Premium Merchant Funding
I am a commercial finance broker, not a direct lender. I help business owners prepare requests, compare realistic product paths, and communicate with third-party capital providers. Final approval, pricing, and documentation are determined by the provider.
Core products
The financing products clients most often ask me to compare.
A payroll gap, large purchase order, invoice backlog, equipment purchase, or property acquisition should not go through the same playbook. Different situations need different capital.
Line of credit
Revolving access for inventory cycles, seasonal swings, and short-term operating gaps that repeat.
Explore lines of creditTerm loans
Predictable repayment for expansion, hiring, acquisitions, refinance, and longer-duration business investment.
Review term loansEquipment financing
For vehicles, machinery, medical devices, and other purchases that should be repaid over the useful life of the asset.
See equipment financingFactoring and PO financing
For businesses that need to accelerate invoices or fulfill strong purchase orders without draining working capital.
Explore invoice and PO solutionsSBA, bridge, and mortgage financing
For stronger borrowers, time-sensitive deals, acquisitions, refinance, and broader commercial real estate capital needs.
Explore real estate and SBA optionsTools and guides
If you want to compare options before you apply, start here.
The site should not force you to guess which page matters. These are the fastest routes into the calculators, product comparisons, and prep material that actually help before a financing decision.
Resources and tools
Open the full hub for calculators, product guides, checklist pages, and decision support links.
Open resourcesWorking capital calculator
Compare two short-term working capital offers by real repayment pressure instead of treating factor rate as the only decision point.
Open working capital calculatorTerm loan calculator
Model payment load and amortization before choosing a longer-term debt structure for growth or refinance.
Open term loan calculatorRepresentative scenarios
How product fit can change a financing outcome.
Most borrowers do not need more lender noise. They need help narrowing the right product, avoiding bad-fit offers, and getting to a decision quickly. These simplified scenarios show the kind of tradeoffs that matter; they are educational examples, not testimonials or promises of identical results.
$300,000 working capital loan in 72 hours
A restaurant group needed capital quickly after a slow season and did not have time for a bank process that was moving too slowly.
Structure objective: Move quickly enough to protect the operating plan while confirming that projected revenue can support the frequent payment.
$500,000 term loan for expansion
An industrial supplier needed expansion capital but wanted to avoid an overly aggressive collateral structure that would restrict the business later.
Structure objective: Match repayment to the equipment’s useful life and avoid using short-duration capital for a longer-lived asset.
Bridge financing for a timing gap
A developer needed fast bridge capital while waiting for longer-term financing to be finalized and could not afford deal slippage.
Structure objective: Preserve the transaction timeline while maintaining a documented exit into sale proceeds or longer-term commercial real estate debt.
FAQ
Common questions before borrowers reach out.
How fast can funding happen?
That depends on the product. Working capital loans and some short-term structures can move inside days. SBA and more documentation-heavy files usually take longer.
Do I need to know the exact product first?
No. In many cases the better starting point is the use of proceeds, timeline, and repayment tolerance rather than the product name.
What usually matters most for approval?
Revenue visibility, time in business, documentation quality, credit profile, collateral where relevant, and whether the structure fits the actual need.
What should I send before the first call?
The amount needed, use of proceeds, timing, and basic business profile are enough to start. The application checklist shows the best prep.
Next step
Tell me what you need capital for and how fast you need it.
If the deal is a fit, I will help you identify the most realistic financing path, the likely documentation, and the tradeoffs you should expect before you apply.