Products
From a revolving line you barely touch to a multi-year SBA loan, every product is built to fit the shape of the work in front of you — and priced in plain language.
01 — Revolving
A flexible reserve of capital you can draw from at any time, up to your limit. You pay interest only on what you actually use, and your available credit replenishes as you repay — perfect for managing cash-flow gaps and seizing opportunities on short notice.
02 — Term
A defined lump sum repaid over a short, predictable window. Ideal when you know exactly what you need and when you'll repay it — covering inventory buys, urgent repairs, seasonal staffing, or a time-sensitive opportunity that pays for itself quickly.
03 — Term
Patient capital structured across multiple years, with lower monthly payments that protect cash flow. Designed for substantial, growth-oriented investments — opening a second location, acquiring a competitor, or refinancing higher-cost debt into one manageable payment.
04 — Receivables
Convert your outstanding invoices into immediate cash. We advance up to 90% of an invoice's value upfront, then remit the balance — minus a small fee — once your customer pays. Stop financing your clients' net-60 terms out of your own pocket.
05 — Asset-backed
Acquire the machinery, vehicles, or technology that generates revenue — without draining your reserves. The equipment itself serves as collateral, which keeps rates low and approvals fast, financing up to 100% of the purchase price.
06 — Sales-based
An advance against your future card sales, repaid as a small, fixed percentage of daily revenue. When business is busy you pay more; when it's slow you pay less. The most flexible option for retail, restaurants, and seasonal businesses with strong card volume.
07 — Government-backed
The lowest rates and longest terms in business lending, backed by the U.S. Small Business Administration. The paperwork can be daunting — so a Meridian SBA specialist guides you through every step, from eligibility to closing.
Drag the sliders to model an estimated monthly payment and total cost. It's a quick illustration — your real offer is tailored to your business.
Estimate only. Figures are illustrative and assume simple amortization at the rate shown; they are not an offer, quote, or guarantee. Actual rates, terms, and payments depend on underwriting and the product selected.
A quick reference. When in doubt, an advisor will match you to the right fit.
| Product | Amounts | Terms | Funding speed | Best for |
|---|---|---|---|---|
| Line of Credit | $5K – $500K | 6–24 mo draws | Same / next day | Recurring cash-flow gaps |
| Short-Term Loan | $5K – $250K | 3–18 months | Same / next day | Defined near-term needs |
| Long-Term Loan | $25K – $1M | 2–5 years | 2–5 days | Expansion, refinancing |
| Invoice Factoring | Up to 90% of invoices | Per cycle | 24–48 hours | Slow-paying B2B clients |
| Equipment Financing | $10K – $1M | 1–6 years | 1–3 days | Revenue-driving assets |
| Merchant Cash Advance | $5K – $500K | Sales-based | Same / next day | High card-volume revenue |
| SBA Loan | $50K – $5M | Up to 25 years | 30–60 days | Major long-horizon growth |
A 5-minute application and three months of bank statements. No hard credit pull.
Our analysts read the full picture and return a real offer in 24–48 hours.
Review transparent terms, sign electronically, and receive same-day or next-day funding.
One application, every product
Apply once and we'll match you to the right structure — no hard credit check to start.