Four non-dilutive instruments for Magic Valley operators. Every structure preserves your cap table. Every repayment flexes with your revenue.
Borrow against recurring revenue. Repay as a fixed percentage of monthly receipts until a predetermined multiple is reached. The payment slows when revenue slows.
Bridge cash flow gaps between invoices, seasonal cycles, or contract mobilization windows. Same-day deployment available for qualified operators with verified revenue history.
Larger facilities for operators scaling operations. No personal guarantee required. Deployed against verified revenue history and contract pipelines. Up to $500k+ for qualified operators.
Revenue-tied daily or weekly repayment. Pay more in strong months, less in slow ones. Designed for businesses with variable monthly revenue — restaurants, retail, service operators.
| Instrument | No Equity | No Personal Guarantee | Flexible Repayment | Approval Speed | Best For |
|---|---|---|---|---|---|
| Revenue-Based Loans | ✓ | ✓ | ✓ (% of revenue) | 24–72h | Recurring revenue businesses |
| Working Capital Advances | ✓ | ✓ | ✓ (short-term) | Same-day–48h | Invoice gaps, seasonal bridges |
| Growth Capital Loans | ✓ | ✓ | Fixed schedule | 7–14 days | Scaling operations, large contracts |
| Merchant Cash Advances | ✓ | ✓ | ✓ (daily/weekly) | 24–48h | Variable revenue, restaurants, retail |
| Traditional Bank Loan | ✓ | Required | Fixed | 4–8 weeks | Established businesses, real assets |
| VC / Equity | Equity lost | ✓ | ✓ | 3–6 months | Hypergrowth startups |
If you have revenue, you have collateral. Revenue-based instruments deploy against what you earn — not what you own. The equity stays yours. The bank guarantees stay off the table.
Verify Eligibility Now →External Resource
SBA.gov — Traditional SBA Loan Programs — U.S. Small Business Administration official guide to 7(a) loans, SBA 504, microloans, and eligibility requirements for comparison with alternative financing.