Working capital that doesn't cost you equity.
AIC's lending program gives established businesses structured debt — term loans, credit lines, and asset-based financing — with fixed schedules built around real cash flow, not a generic underwriting formula.
Four ways to structure the capital you need.
| Product | Amount | Term | Best for |
|---|---|---|---|
| Term Loan | $25,000 – $750,000 | 12 – 60 months | Expansion, hiring, major projects |
| Revolving Line of Credit | $10,000 – $250,000 | Open, renewable annually | Working capital, seasonal cash flow |
| Equipment Financing | Up to $500,000 | Up to 84 months | Machinery, vehicles, technology hardware |
| Invoice Financing | Up to $300,000 | 30 – 90 day cycles | Bridging gaps from unpaid receivables |
What we look for before extending credit.
These are starting guidelines, not hard cutoffs — David's underwriting team reviews every file individually.
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Rates are risk-based, not one-size-fits-all.
Rates depend on time in business, cash-flow consistency, and the specific product structure — a shorter-term invoice advance and a five-year term loan aren't priced the same way, and shouldn't be.
Every offer includes the full amortization schedule up front, so you know the total cost of capital before you sign — not just the headline rate.
Three steps to funding.
Apply
Day 1Tell us the loan type, amount, and what it's for — most applicants finish in under ten minutes.
Underwriting review
Days 2–7David's team reviews financials and cash flow, usually resolved in a single follow-up call.
Offer & funding
Days 7–14Sign the agreement and funds are released on the schedule agreed in your offer.
Need capital without giving up ownership?
Start an application and get a decision on file within a week.