The Bottom Line
Scale Doesn't Require Surrender.
Growth capital facilities deploy larger amounts against proven revenue and contract pipelines. Operators scaling to $1M+ in annual revenue can access $250k–$500k+ without surrendering equity or signing personal guarantees.
$500k+
Max Available
No PG
Personal Guarantee
14d
Typical Close
Who Growth Capital Serves
Growth capital loans are structured for operators who have outgrown small advances and need larger facilities to execute on contracts, expand capacity, or hire teams.
- Contractors — Fund large government or commercial contracts before mobilization payments arrive
- SaaS companies — Scale sales teams and marketing without diluting equity at Series A
- Restaurants expanding locations — Fund new site buildout without a bank's 8-week timeline
- Healthcare practices — Upgrade imaging equipment or expand service lines
- Ag-tech operators — Deploy capital aligned with Magic Valley's seasonal harvest cycles
Typical Facility Structure
- Advance amount: $100,000 – $500,000+
- Term: 12–36 months
- Repayment: % of monthly revenue or fixed schedule (lender dependent)
- Cost multiple: 1.15×–1.4× depending on operator profile
- Personal guarantee: Not required for most revenue-backed structures
- Collateral: UCC-1 filing on business assets (no real property required)
Documentation Required
- 6 months of business bank statements
- 12 months of revenue data (profit & loss or accounting export)
- Contract pipeline or purchase orders (for contractor-type businesses)
- Business formation documents
- EIN and basic business profile