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Business Capital & Trade Finance

We provide entrepreneurs on pace for $250K in annual revenue with fast, flexible, and cost-effective financing.

Fast, Flexible, Ethical Business Capital & Trade Finance

We provide entrepreneurs on pace for $250K in annual revenue with fast, flexible, and cost-effective financing.

How we can help your business

Financing Solutions

Let's get started

Business Credit Line

A flexible business line of credit enables you to tap into funds as needs arise. Use your credit line to hire staff, invest into marketing campaigns, or simply as an emergency fund. The choice is yours.

Business Term Loan

Affordable business term loans with a low monthly payment. Enjoy the comfort to repay over 3-5 years without pledging collateral. Alternatively, repay over 10-25 years if the loan is backed by real estate.

Invoice Financing

Free up locked cash-flow by advancing receivables from invoices and contracts. Say goodbye to net-terms and hello to cash today.

Purchase Order Financing

Rapidly mobilize orders and shipments through purchase order financing and letters of credit. Business at the speed of today’s economy.

Equipment Financing

Equipment financing helps you purchase new or used equipment to meet increased demand, enhance operational efficiency and ultimately scale revenue. Receive up to 100% of the equipment purchase price.

Construction Financing

Funding that works with your construction company’s cash-flow cycles. Say “yes” to bids more often and receive funds to mobilize work, hire subcontractors, and purchase materials.
How we can help your business

Financing Solutions

Let's get started

Business Credit Line

A flexible business line of credit enables you to tap into funds as needs arise. Use your credit line to hire staff, invest into marketing campaigns, or simply as an emergency fund. The choice is yours.

Business Term Loan

Affordable business term loans with a low monthly payment. Enjoy the comfort to repay over 3-5 years without pledging collateral. Alternatively, repay over 10-25 years if the loan is backed by real estate.

Invoice Financing

Free up locked cash-flow by advancing receivables from invoices and contracts. Say goodbye to net-terms and hello to cash today.

Purchase Order Financing

Rapidly mobilize orders and shipments through purchase order financing and letters of credit. Business at the speed of today’s economy.

Equipment Financing

Equipment financing helps you purchase new or used equipment to meet increased demand, enhance operational efficiency and ultimately scale revenue. Receive up to 100% of the equipment purchase price.

Construction Financing

Funding that works with your construction company’s cash-flow cycles. Say “yes” to bids more often and receive funds to mobilize work, hire subcontractors, and purchase materials.

See if you qualify

Flo helps revenue-producing businesses obtain the capital they need to reach their highest potential, without stringent document requirements or excessive time spent.

Get started now

$250,000

Annual Sales Trending

6

Months in Business

600

Personal Credit Score
*Checking eligibility won’t impact your credit.

Some of our favorite industries

Don’t see your industry? No worries – we also provide capital to 100+ other common industries!

Technology & SaaS

Technology and SaaS companies need a capital partner who can move quickly, so the founders can focus on scaling ARR, not stacks of paperwork. Let’s flo!

Consumer Goods

The consumer goods industry is rich with innovation and opportunity. Flo enables founders to multiply their business quickly and poises them to say “yes” at every great opportunity. Let’s flo!

Manufacturing & Wholesale

Manufacturers and wholesalers need a capital partner who can help drive predictable growth and ensure timely customer payments. Say goodbye to Net-terms and hello to the business of today. Let’s flo!

Staffing

Recruiting firms need a capital partner who helps them solve cash-flow issues before they occur, so they can focus less on financials and more on helping the American workforce. Let’s flo!

Construction

General contractors and real estate professionals need a partner who understands their needs and cash flow cycles. Flo aligns you with capital for projects, payroll, equipment and more. Never have to walk from a bid again – let’s flo!

Transportation & Logistics

Transportation companies need ready access to credit to expand their fleet, hire drivers and accept new lanes. Partner with a team who can help during every stage of your business lifecycle. Let’s flo!

Some of our favorite industries

Don’t see your industry? No worries – we also provide capital to 100+ other common industries!

Technology & SaaS

Technology and SaaS companies need a capital partner who can move quickly, so the founders can focus on scaling ARR, not stacks of paperwork. Let’s flo!

Consumer Goods

The consumer goods industry is rich with innovation and opportunity. Flo enables founders to multiply their business quickly and poises them to say “yes” at every great opportunity. Let’s flo!

Manufacturing & Wholesale

Manufacturers and wholesalers need a capital partner who can help drive predictable growth and ensure timely customer payments. Say goodbye to Net-terms and hello to the business of today. Let’s flo!

Staffing

Recruiting firms need a capital partner who helps them solve cash-flow issues before they occur, so they can focus less on financials and more on helping the American workforce. Let’s flo!

Construction

General contractors and real estate professionals need a partner who understands their needs and cash flow cycles. Flo aligns you with capital for projects, payroll, equipment and more. Never have to walk from a bid again – let’s flo!

Transportation & Logistics

Transportation companies need ready access to credit to expand their fleet, hire drivers and accept new lanes. Partner with a team who can help during every stage of your business lifecycle. Let’s flo!

We help emerging companies grow to their highest potential

Stickers & Promo Manufacturer

Denver, CO

$85,000 Equipment Loan

We helped a rapidly growing sticker and promo printing company obtain $85,000 to purchase a new commercial printer. The new printer helped them increase operational efficiency and catch up with growing demand, ensuring no valuable revenue was left on the table.

#eCommerce #Wholesale
EdTech Communication Platform

Los Angeles, CA

$2 Million Credit Line

We successfully put a credit line in place for a rapidly growing EdTech startup. The new credit line, secured by accounts receivable, helped them turn Net-90 invoices into Net-1 cash, thus unlocking liquidity and using these cash proceeds to further accelerate growth.

#Technology #SaaS
Clinical Lab

New Orleans, LA

$400,000 Business Term Loan

We helped a clinical testing laboratory get approved for a $400,000 business term loan, working within the terms of their existing lending relationship with their bank. The capital was used to hire additional lab technicians and invest in necessary systems and infrastructure.

#Healthcare #COVID19

Step 1

Submit your business information.
It takes less than 1 minute

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Step 2

Schedule a consult call with an experienced business advisor.

Schedule your call

Step 3

Select the best financing option from over 50 ethical lenders.

Get funding

Receive your offers

Finding the best lender for your business just became a whole lot simpler. Flo’s experienced team of advisors will fly with you the entire way, help you avoid any turbulence during the underwriting process, and ensure an on-time landing at your financial destination.

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Commonly asked questions

What types of financing does flo offer?
We offer a diversity of financing solutions based on your specific business goals and needs. All of our solutions are non-dilutive, meaning you won’t have to give up any precious equity within your business. Dependent on your preference, we can arrange a financing instrument that’s unsecured, or one that’s secured by collateral like receivables or equipment.
How is flo different from other lenders or brokers?
Flo was founded by entrepreneurs, for entrepreneurs. Having grown and exited from ventures successfully, we understand the importance of low-cost and flexible capital solutions that don’t dilute founder equity. Think of us as a trusted consultant for your business; we only make money by helping you obtain capital and grow. There are no upfront fees for our services and we’ve forged strong partnerships with the industry’s best lenders. Unlike others, we’re not another high-pressure loan shark offering “fast business cash advances” that often do your business more harm than good in the long run. How we engage with our clients affects our self-worth and reputation, which in turn gives us the opportunity to earn referrals and grow. It turns out focusing on sound ethics is simply good business!
What is the average cost of capital?
The average cost of capital is largely dependent on the financing solution you select. Business lines of credit and term loans often range from 4.80% to 9.80% interest – unlike a bank, these solutions require no collateral and capital can be deployed quickly, usually within a few business days.
How fast can I receive my funds?
An approval or term-sheet can be generated very quickly, sometimes as fast as same day! Final underwriting and release of funds can take 1-2 business days for business credit lines, term loans, and equipment financing. For other financing instruments like invoice financing, PO financing and construction financing, this process may take 4-7 business days.
Will flo or another lender pull my credit?
Yes. Lenders need to know the creditworthiness of their borrowers before reaching a final approval. However, flo always acts in the best interest of our clients by avoiding numerous credit pulls. While some of our competitors like to “shotgun” your application out to a bunch of dicey lenders, our approach is far more strategic. Our consultants pre-underwrite your application, so we only work with the lenders who are the best match for your business right from the beginning.
What about my existing bank relationship?
Our team will work with you to determine product eligibility. We’re very comfortable working within any existing terms and covenants put forth by your bank or investors. Often, our credit instruments act “subordinate” to any existing senior lender, which yields comfort for all parties.