Financing Solutions
Financing designed around your next move.
Every business has different capital needs. Explore the structures Kapstone Finance works with, and speak with an advisor to evaluate what may fit your objectives.
Working Capital & Lines of Credit
Flexible capital for day-to-day business needs, seasonal expenses, inventory, payroll, marketing, and unexpected opportunities.
Common uses
- Inventory
- Payroll
- Seasonal cash flow
- Marketing
- Short-term expenses
Business Line of Credit
Revolving access to capital you can draw on when opportunities or expenses arise, and repay as your cash flow allows.
Common uses
- Cash flow management
- Inventory purchasing
- Bridging receivables
- Recurring expenses
- Opportunistic spending
Business Term Financing
Structured business financing with predictable payments for larger investments and long-term initiatives.
Common uses
- Expansion
- Acquisitions
- Renovations
- Business debt refinancing
- Major projects
SBA Financing
Long-term financing solutions for qualifying businesses seeking competitive structures and extended repayment terms.
Common uses
- Business acquisition
- Expansion
- Working capital
- Debt refinancing
- Real estate
Equipment Financing
Financing designed for machinery, vehicles, technology, and other essential business assets.
Common uses
- Machinery
- Vehicles and fleets
- Medical equipment
- Technology
- Construction equipment
Commercial Real Estate
Financing for owner-occupied and investment commercial properties.
Common uses
- Property acquisition
- Refinancing
- Cash-out equity
- Construction
- Renovation
Home Equity Line of Credit (HELOC)
A home equity line of credit lets qualifying owners access the equity in their property for business investment, expansion, or consolidating higher-cost debt.
Common uses
- Business investment
- Expansion
- Debt consolidation
- Home improvements
- Major expenses
Debt Refinancing
Consolidate or restructure existing business obligations to improve cash flow and create a more manageable repayment structure.
Common uses
- Refinance high-cost debt
- Consolidate multiple obligations
- Improve monthly cash flow
- Extend repayment periods
Bridge Capital with Early Prepay
Fast, short-term bridge financing structured with an early prepayment discount — the sooner you repay, the less you pay back.
Common uses
- Acquisition timing
- Real estate transactions
- Large purchase orders
- Seasonal ramp-up
- Interim financing
Financing availability, amounts, rates, and terms are subject to qualification, underwriting, and lender approval.
Let’s talk about what’s next for your business.
Tell us what you’re looking to accomplish and our team can help you evaluate available financing options.