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Business Funding Solutions

As a direct lender, Eastern Financial Services offers a comprehensive range of funding programs designed to meet businesses at every stage of growth. Explore our programs below.

01

Business Term Loans

Our Business Term Loans provide a lump-sum capital infusion repaid over a fixed schedule with predictable payments. Ideal for businesses with a clear use of funds and reliable revenue, term loans offer the structure and certainty needed for confident financial planning.

Funding Amount
$10K – $2M
Decision Time
24–48 Hours
Repayment Terms
Flexible Schedule
Use of Funds
Any Business Purpose
  • Fixed repayment schedule for easy budgeting
  • Competitive rates for qualified businesses
  • Suitable for expansion, inventory, and working capital
  • No prepayment penalty on many programs
Apply for a Term Loan
Predictable Payments.
Reliable Growth.
Upgrade Your Tools.
Preserve Your Capital.
02

Equipment Financing

Acquire the equipment, vehicles, machinery, or technology your business needs without depleting your working capital. Our equipment financing programs are structured around the useful life of the asset, with terms that align to your operational cash flow.

Funding Amount
$5K – $1.5M
Decision Time
24–72 Hours
Asset Types
New or Used
Industries
All Sectors
  • Finance new and used equipment
  • Vehicles, machinery, medical equipment, and technology
  • Equipment often serves as collateral
  • Potential tax advantages through Section 179
Apply for Equipment Financing
03

Revenue-Based Financing

Revenue-Based Financing provides capital aligned with your business's cash flow. Instead of fixed monthly payments, repayments are structured as a percentage of your daily or weekly revenue, giving you flexibility during slower periods and allowing you to pay down faster when business is strong.

Funding Amount
$5K – $500K
Decision Time
Same Day – 48 Hours
Repayment Style
Revenue-Based
Credit Threshold
Flexible
  • Payments flex with your monthly revenue
  • No fixed monthly obligation during slow seasons
  • Ideal for businesses with consistent transaction volume
  • Quick access to working capital
Apply for Revenue-Based Financing
Funding That Flexes
With Your Business.
Keep Operations
Running Smoothly.
04

Working Capital Loans

Working Capital Loans are designed to cover the day-to-day operational expenses that keep your business moving. From payroll and utilities to inventory purchases and supplier payments, this funding ensures your operations never miss a beat due to cash flow gaps.

Funding Amount
$5K – $750K
Decision Time
24 Hours
Repayment
Weekly or Monthly
Min. Time in Business
6+ Months
  • Cover payroll, rent, utilities, and supplies
  • Bridge seasonal cash flow gaps
  • Fast funding when timing matters most
  • Straightforward qualification process
Apply for Working Capital
05

Invoice Financing

Stop waiting 30, 60, or 90 days for your clients to pay. Invoice Financing unlocks the value of your outstanding accounts receivable immediately, giving you the working capital to take on new projects, pay suppliers, and grow—without taking on traditional debt.

Advance Rate
Up to 90% of AR
Decision Time
24–48 Hours
Invoice Types
B2B Invoices
Industries
Staffing, Freight, More
  • Convert outstanding invoices to immediate cash
  • Improve cash flow without additional debt
  • Great for B2B businesses with slow-paying clients
  • Flexible — finance individual invoices or all receivables
Apply for Invoice Financing
Turn Receivables
Into Cash Now.
Draw When You Need.
Pay When You Can.
06

Business Lines of Credit

A Business Line of Credit gives you on-demand access to capital up to an approved limit. Draw funds when you need them, repay on your schedule, and draw again as your credit replenishes. It's the most flexible financing option for businesses with variable capital needs.

Credit Limit
$10K – $500K
Decision Time
48–72 Hours
Draw Flexibility
As Needed
Interest
Only on Drawn Amount
  • Revolving access — draw, repay, and draw again
  • Pay interest only on what you draw
  • Ideal for fluctuating seasonal capital needs
  • Builds your business credit profile
Apply for a Line of Credit
Qualification

Do You Qualify?

Eastern Financial Services works with businesses at various stages of development. Here's a general guide to our qualification criteria.

General Requirements

  • Business operating for at least 6 months
  • Monthly revenue of $10,000 or more
  • Active business bank account
  • U.S.-based business entity
  • Owner is 18+ years of age
  • No active bankruptcies

What We Look At

  • Monthly and annual revenue trends
  • Business bank statement history (3–6 months)
  • Business credit profile
  • Personal credit (not the only factor)
  • Industry and time in business
  • Intended use of funds
Start Today

Find the Right Funding for Your Business

Our specialists will review your situation and match you with the right program. Apply now and get a decision within 24 hours.

Apply for Funding