Funding Solutions
From working capital to equipment financing, we offer flexible funding structures built around how your business actually operates.
Keep your business running at full speed. Working capital loans from 1212 Investments give you immediate liquidity to cover the operational costs that keep your business moving — payroll, inventory, supplier payments, and unexpected expenses.
Unlike traditional bank loans with lengthy approval processes, our working capital solutions can be structured and funded in days, not months.
A funding structure designed for businesses with consistent revenue but variable cash flow. Rather than fixed monthly payments, revenue-based financing ties repayment to a percentage of your monthly revenue — so payments naturally adjust when business slows or accelerates.
This structure is particularly well-suited for seasonal businesses, retail operations, and service companies with predictable but fluctuating revenue cycles.
Acquire the equipment your operations require without depleting working capital. Whether you're purchasing commercial vehicles, manufacturing equipment, restaurant machinery, or technology infrastructure, we structure financing that preserves your cash position.
Equipment serves as collateral in many cases, allowing more flexible qualification standards than unsecured business loans.
For planned, longer-horizon investments — acquisitions, expansions, renovations, or major capital outlays — a structured business term loan provides predictable fixed payments and defined repayment timelines.
Our term loans are structured around your business's capacity to service debt, with terms that make strategic investments financially sustainable.
A revolving business line of credit gives you on-demand access to capital when opportunities arise. Draw what you need, repay it, and draw again — without reapplying each time. Keep the line available as a financial backstop and competitive advantage.
Lines of credit are ideal for businesses that need flexible, recurring access to capital rather than a one-time lump sum.
Turn outstanding receivables into immediate working capital. If your business issues invoices with 30, 60, or 90-day payment terms, you're extending credit to your customers at the expense of your own cash flow. Invoice financing resolves that gap instantly.
We advance a percentage of your outstanding invoice value, giving you the liquidity to operate without waiting on client payments.
Qualification Criteria
We evaluate businesses holistically — not just credit scores. Here's what we typically look for:
At least 6 months of active business operations. Startups considered case-by-case with strong revenue history.
Minimum $10,000/month in business revenue. We evaluate trends and consistency, not just peak months.
An active business checking account with 3+ months of statements. We review actual deposit activity.
Government-issued ID and basic business entity documentation. EIN and business formation docs required.
We look at where your business is going, not just where it's been. Growth trajectories matter to our underwriters.
We fund businesses across 35+ industries including retail, logistics, construction, food service, healthcare, and professional services.
Our Process
We've streamlined the funding process to deliver capital without unnecessary delays.
Complete our contact form or reach out directly. Tell us about your business, revenue, and funding need. Takes under 10 minutes.
We'll request 3 months of bank statements and basic business documents. Our team reviews everything the same day.
Within 24 business hours, we present a clear funding offer — amount, terms, cost — with no pressure to accept.
Once you approve the offer and sign documents, funds are deposited directly to your business bank account — typically within 1-2 business days.
Not sure which product fits your needs? Contact us — we'll evaluate your situation and recommend the right structure at no cost.
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