Capital Built Around Your Business
As a direct lender, we have the authority and flexibility to structure financing that genuinely fits your needs — not a one-size-fits-all product pushed through a broker chain.
Business Term Loans
Our business term loans provide lump-sum capital with structured repayment schedules — ideal for planned investments, business expansion, renovations, inventory purchases, and major capital expenditures. We offer both short-term and long-term structures to match your cash flow and growth timeline.
With competitive rates, fixed or variable options, and repayment terms designed around your actual revenue cycle, our term loans give you the financial foundation to execute on your business vision with confidence.
Working Capital Lines
A revolving line of credit provides the flexibility to draw funds when you need them and repay as cash flows allow — making it perfect for managing day-to-day operations, navigating seasonal cycles, and capitalizing on unexpected opportunities without disrupting long-term strategy.
Our working capital lines are structured with your business rhythm in mind. You pay interest only on what you draw, and as you repay, your available credit restores — giving you ongoing access to the liquidity your business depends on.
Equipment Financing
Acquire the equipment your business needs without straining your reserves. Our equipment financing programs cover machinery, vehicles, technology, medical devices, restaurant equipment, and virtually any asset that generates revenue for your business.
The equipment itself typically serves as collateral, enabling favorable terms and preserving your working capital for operational needs. We handle new and used equipment and can finance across virtually every industry sector operating in Texas.
Invoice Factoring
Outstanding invoices represent real value — but slow-paying clients can create cash flow stress that limits your ability to take on new work. Invoice factoring converts your receivables into immediate working capital without adding debt to your balance sheet.
We purchase your eligible invoices at a competitive advance rate and manage collections, freeing you to focus on running your business instead of chasing payments. It's a powerful tool for growth-stage businesses with strong B2B revenue.
SBA Loan Programs
SBA 7(a) and SBA 504 programs offer some of the most competitive rates and longest repayment terms available to small businesses — but navigating the application process can be complex and time-consuming without an experienced guide.
For SBA programs, Marshal Ford Advisory acts as a loan arranger and referral partner, working alongside SBA-authorized lenders and approved CDCs who underwrite and close these government-guaranteed loans. We manage the entire process on your behalf — from initial eligibility assessment through documentation and submission — and advocate for your application at every stage. Note: SBA loans are originated and funded by SBA-participating lenders; Marshal Ford Advisory serves as your advisory and liaison in this process.