Working capital finance focused on growing your business

Apparent Financing offers a marketplace of
financial solutions to fit your business needs.

Let's Get Started

We’ve got an answer for (almost) anything

As a business, you have a lot of challenges. We're here to help you solve them!

  • Overcome Cash Flow Shortage

    Unexpected things happen, we are here when you need cash fast.

  • Purchase Additional Inventory

    Buy more inventory to serve increased customer demand.

  • Purchase Equipment

    Invest in equipment or other assets to continuously grow your business.

  • Managing Payroll

    Let us help you take care of your people or to build your team.

  • Offer More Products/Services

    Expand your offerings without worrying about working capital.

  • Launch Marketing Campaigns

    It shouldn't be a secret that your company is great, tell the world.

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  • Invoice Financing

    A quick and convenient way to get paid early for the work you have done.

    • Line Amount

      Up to $50,000,000.

    • Rates

      0.5-2% for every 30-day advance on your invoices.

    • Advantages

      Get invoices paid early without impacting your relationship with your customer.

    • Considerations

      Existing liens on your receivables may impact the initial set-up period. You're trading your invoices for instant cash.

    • Apply for Invoice Financing
  • Line of Credit

    A financial safety net providing flexibility to use when needed and for any business purpose.

    • Line Amount

      Up to $300,000.

    • Rate

      5.99-24.99%. May include small draw fee.

    • Advantages

      Only get charged with interest on the amount you use without prepayment penalty.

    • Considerations

      Appears as a debt on your balance sheet.

    Apply for Line of Credit
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  • Macbook Image
  • Vendor Line of Credit

    Instead of using your cash flow, utilize the line of credit to negotiate payment terms and make early payments to your vendors.

    • Line Amount

      Up to $10,000,000.

    • Rates

      1-2% per 30 days extension of your payments. 0.5-2% rebate per 30 days acceleration of your payments.

    • Advantages

      Prioritize where your cash goes, while receiving a discount for early payment.

    • Considerations

      This will appear as a debt on your balance sheet.

    • Apply for Vendor Line of Credit
  • Term Loan

    Receive a larger credit immediately that you repay in periodic installments over the term of the loan.

    • Line Amount

      Up to $1,000,000.

    • Rate

      5.99-24.99% over a period of up to 48 months

    • Advantages

      Loan amount credited to your bank account with a clear repayment schedule

    • Considerations

      Adds debt to your balance sheet. Required repayments of your principal and interest.

    • Apply for Term Loan
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  • Macbook Image
  • Asset-Based Loan

    As your business continues to grow, you should have the ability to invest more without giving up ownership. Take advantage of a loan structured specifically around your future goals.

    • Line Amount

      Up to $500,000-$7,500,000.

    • APR

      14-19% over a period of up to 24 months.

    • Advantages

      Draw the loan amounts you need to invest in your business.

    • Considerations

      May take longer to process, but once approved, it appears as a debt on your balance. Requires a full-time administrator to manage.

    • Apply for Asset-Based Loan