Dec 2025 Florida $2,000,000

Commercial Real Estate Refinance

Repeat borrower refinances commercial property, clears $500K in MCA debt.

Closed a $2M commercial property refinance for a long-time KreditZen client in Florida. Proceeds paid off $500,000 in outstanding merchant cash advance balances and consolidated the rest into a single fixed-rate mortgage — cutting the borrower's blended effective cost by more than half and eliminating daily ACH draws from operating cash flow.

Use of Proceeds Refi + MCA payoff Relationship Repeat borrower Structure Conventional refi

Oct 2025 Illinois $400,000

Home Equity Line of Credit

$400K HELOC funded at prime + 2 with a 5-day close.

Arranged a $400,000 home equity line of credit in Illinois at 2 points above prime. Start-to-close in five business days — including title, appraisal, and documentation — for a borrower who needed capital for a time-sensitive business investment.

Rate Prime + 2% Time to Close 5 days Collateral Primary residence

2025 – 2026 Texas $1,500,000

Multi-Round Relationship

Oil services company scaled from $200K to $1.5M in under 12 months across three rounds.

Started a relationship with a Texas-based oil company on a $200,000 first round. As revenue grew, we structured a second round of $500,000 and a third round of $800,000 — all closed within a 12-month window. Every round priced tighter than the last as the file strengthened.

Round 1 $200K Round 2 $500K Round 3 $800K Timeline <12 months

Apr 2026 Colorado $500,000

Same-Day Emergency Funding

Large Colorado supermarket funded $500K same-day — on a Friday — for payroll and invoice.

A large supermarket group in Colorado needed $500,000 delivered the same business day to cover payroll and clear a critical supplier invoice. Application came in Friday morning; funds wired Friday afternoon. No other broker or bank in the file could have moved on that timeline.

Funded Same day Day of week Friday Use Payroll + invoice

Jan 2026 California $250,000

Second Chance Credit

California podiatrist secured $250K line of credit after a prior default.

A California podiatrist with a prior default on record was turned away by his primary bank and three online lenders. We structured a $250,000 revolving line of credit at 21% APR, paired with a cash-flow covenant that reopens the line to better pricing after 12 months of clean performance.

Rate 21% APR Structure Revolving LOC Credit event Prior default

Feb 2026 Nationwide $250,000

Unsecured Contractor Facility

Contractor funded $250K unsecured with 100% interest forgiveness at sub-20% payback.

Closed a $250,000 unsecured note for a general contractor — no UCC-1 filing, no collateral pledge. The structure carried a 6-month term with less than 20% total payback and 100% interest forgiveness on early satisfaction. A rare structure reserved for borrowers with specific bank-statement and cash-flow profiles.

Term 6 months Collateral None / No UCC Forgiveness 100% interest Payback <20%

Mar 2026 Idaho $1,500,000

Industrial Equipment Supplier

Idaho industrial equipment supplier funded $1.5M with full interest forgiveness.

A leading industrial equipment supplier in Idaho received a $1.5 million facility at 12% APR on a 12-month term — with 100% interest forgiveness structured into the payoff. The borrower used proceeds to expand inventory ahead of a major supply contract.

Amount $1.5M Rate 12% APR Term 12 months Forgiveness 100% interest

Jul 2025 Nationwide $15,000

Transportation Same-Day

Owner-operator trucker funded $15K same-day when only $5K 30-day offers existed.

An owner-operator trucker needed $15,000 same day. The only offers on the street were $5,000 at 30-day terms — not even close to what the business needed. We wrote and funded a single-line $15,000 facility inside of business hours. Small deal, outsized difference for the borrower.

Funded Same day Market offers $5K × 30 days Our offer $15K

Aug 2025 Nationwide $150,000

Debt Consolidation

Billing company consolidated $150K of scattered debt into a single facility.

A healthcare billing company was servicing multiple short-term obligations at blended effective rates above 40%. We consolidated $150,000 into a single facility, extended the amortization, and reduced the borrower's weekly payment materially — freeing operating cash for hiring.

Amount $150K Structure Consolidation Rate reduction Significant

Nov 2025 Nationwide $200,000

Healthcare Expansion

$200K growth capital to a healthcare facility planning a service-line expansion.

Funded $200,000 to a healthcare facility using the capital to expand a new service line. Closed inside one week on a file that two larger lenders had previously declined for sector-specific concerns.

Amount $200K Sector Healthcare Use Expansion

Mar 2026 Nationwide $300,000

Aesthetics — Relationship-Driven Upsize

Aesthetics practice upsized from a $100K bad deal to $300K — against market convention.

An aesthetics practice had taken a $100,000 position on unfavorable terms. Standard underwriting dictates that subsequent positions match or shrink relative to the prior offer. Because of our direct relationships with the lender panel, we placed a $300,000 facility — triple the prior position — and used part of the proceeds to retire the bad paper.

Prior deal $100K (bad terms) New facility $300K Mechanism Lender relationship

Deals we've closed.