Working capital, in hand
The capital you actually need — $50K to $2.5M — delivered up front to deploy however your business sees fit.
Working capital, reimagined
Bank rates. Without the bank wait.
CreativeFi funds established businesses in weeks — not months — and structures the cost to land far below what a merchant cash advance would ever charge. $50K to $2.5M, for owners who refuse to mortgage their cash flow.
No documents to start · A short, no-obligation conversation
+$240KYr-1 write-off*
$250,000Working capital · representative
- Working capital deployed your way
- Business equipment delivered
- Potential Section 179 deduction
Representative effective cost~ low-teens*
Funded through an established lender network
National BanksLeasing CompaniesEquipment Lenders100+ Partners
What CreativeFi is
The smarter way to put capital to work.
Funds in weeks
Roughly 2–4 weeks from first call — not the three-to-five months a bank needs.
Fixed monthly
Five-year terms with one monthly payment. Never daily or weekly debits.
Capital + equipment
Working capital in hand, plus real business assets delivered with it.
Real lenders
Every deal booked through established banks and leasing companies.
The market
Two bad options — and the one built between them.
A bank is cheap but glacial. A cash advance is fast but ruinous. Most healthy businesses get stuck choosing the lesser pain. CreativeFi was engineered to remove the trade-off.
Option ABank & SBA Loans
- Genuinely low rates
- 3–5 months to a decision
- Mountains of documentation
- Misses time-sensitive needs
Speed · Slow
CreativeFiThe Creative Financing Program
- Funds in roughly 2–4 weeks
- Effective cost in the low-to-mid teens*
- Fixed monthly payments — no daily debits
- Works with your balance sheet, not against it
Speed · Fast · Cost · Sane
Option BMerchant Cash Advance
- Money in days
- Often 80–120%+ effective cost
- Daily or weekly debits
- Wrecks cash flow and credit
Speed · Fast · Cost · Brutal
*Representative, illustrative ranges only. Actual cost varies by transaction and is subject to underwriting. Not an offer or commitment to lend.
The structure
One transaction. Three things in your favor.
CreativeFi is structured as commercial equipment financing — and that structure is exactly why a qualified business walks away with more than just cash.
A potential tax write-off
Because the deal is equipment financing, it may qualify for a Section 179 deduction in year one. Confirm any treatment with your own tax advisor.
Real, useful equipment
Genuine business technology and assets ship as part of the transaction — fully delivered, fully yours, fully compliant with our lending partners.
The path
From first call to funded — in about a month.
1
A short qualifying call
We learn your business, confirm fit, and walk you through exactly how the program works. No documents required to start.
2
We structure & submit
Once you are a fit, we package the file and submit to the right lending partner from our network.
3
Approval & documents
You review and sign a clear financing agreement. We handle the lender coordination behind the scenes.
4
Capital & equipment delivered
Funds reach your account and your equipment ships. One fixed monthly payment — and you are done.
$50K–$2.5M
Working capital range
2–4 wks
Typical time to funding
60 mo
Fixed monthly terms
5+ yrs
Established businesses
Start here
See what you'd actually qualify for.
The first step is a short conversation — no documents, no obligation. Tell us about your business and we'll tell you, plainly, whether CreativeFi is the right fit.