Client Access

Search
accord services small business hero

Small Business Financing Simplified

Acquiring funding can be a critical step in the growth of a small business.

A revolving line of credit gives your business ongoing access to working capital, providing the flexibility to manage cash flow, purchase inventory, invest in equipment, and respond to new opportunities as they arise. 

By taking the time to understand how your business operates, Accord Financial structures revolving facilities that reflect your needs rather than a standardized approach. Solutions range from $50,000 to $3,000,000 for both small-ticket and mid-ticket financing.

Access to working capital supports operations, business stability, and long-term growth. Small Business Loans can be used for inventory purchases, equipment costs, expansion initiatives, operational expenses, repairs, or managing temporary cash flow gaps.

  • Managing seasonal inventory needs
  • Covering operational or expansion costs
  • Purchasing equipment or business assets
  • Bridging receivable and supplier payment cycles
  • Supporting unexpected expenses or temporary slowdowns
  • Improving overall working capital flexibility

Small-Ticket Solutions

  • Financing from $50,000 to $250,000
  • Renewable 12-month revolving term
  • Monthly interest-only payments
  • No monthly borrowing base
  • Flexible draw-and-repay structure
  • Designed for day-to-day working capital needs

Mid-Ticket Solutions

  • Financing from $250,000 to $3,000,000
  • Renewable 12-month revolving term
  • Monthly interest-only payments
  • Borrowing base available against AR, Inventory, Equipment, and/or Real Estate
  • Flexible revolving access to capital
  • Structured for larger operational and growth financing needs

Small-Ticket Line of Credit ($50,000 – $250,000)

Required Documents

  • Accord Revolving Solutions Credit Application
  • FLINKS digital revenue verification

Qualifications

  • Minimum 12 months in business
  • Existing STL/MCA facilities reviewed at Credit discretion and paid out from proceeds
  • STL Disclosure Form required
  • CRA View Access may be requested as part of the credit review process for facilities over $50,000

Personal Guarantor Requirements

  • Clean trade history required
  • Equifax ERS guideline score of 600+
  • Two valid government-issued IDs, including one primary photo ID with signature

Mid-Ticket Line of Credit ($250,000–$3,000,000)

Required Documents

  • Transaction Summary
  • Accord Revolving Solutions Credit Application
  • CPA-prepared financial statements with interim reporting
  • Collateral reporting and CRA view-only access

Qualifications

  • Minimum 12 months in business
  • Decisioning based on financial profile and collateral strength

Access to working capital supports operations, business stability, and long-term growth. Small Business Loans can be used for inventory purchases, equipment costs, expansion initiatives, operational expenses, repairs, or managing temporary cash flow gaps.

  • Managing seasonal inventory needs
  • Covering operational or expansion costs
  • Purchasing equipment or business assets
  • Bridging receivable and supplier payment cycles
  • Supporting unexpected expenses or temporary slowdowns
  • Improving overall working capital flexibility

Small-Ticket Solutions

  • Financing from $50,000 to $250,000
  • Renewable 12-month revolving term
  • Monthly interest-only payments
  • No monthly borrowing base
  • Flexible draw-and-repay structure
  • Designed for day-to-day working capital needs

Mid-Ticket Solutions

  • Financing from $250,000 to $3,000,000
  • Renewable 12-month revolving term
  • Monthly interest-only payments
  • Borrowing base available against AR, Inventory, Equipment, and/or Real Estate
  • Flexible revolving access to capital
  • Structured for larger operational and growth financing needs

Small-Ticket Line of Credit ($50,000 – $250,000)

Required Documents

  • Accord Revolving Solutions Credit Application
  • FLINKS digital revenue verification

Qualifications

  • Minimum 12 months in business
  • Existing STL/MCA facilities reviewed at Credit discretion and paid out from proceeds
  • STL Disclosure Form required
  • CRA View Access may be requested as part of the credit review process for facilities over $50,000

Personal Guarantor Requirements

  • Clean trade history required
  • Equifax ERS guideline score of 600+
  • Two valid government-issued IDs, including one primary photo ID with signature

Mid-Ticket Line of Credit ($250,000–$3,000,000)

Required Documents

  • Transaction Summary
  • Accord Revolving Solutions Credit Application
  • CPA-prepared financial statements with interim reporting
  • Collateral reporting and CRA view-only access

Qualifications

  • Minimum 12 months in business
  • Decisioning based on financial profile and collateral strength
Apply Now
accord services small business faq

Frequently Asked Questions

Many small businesses have gained significant benefits from working with non-bank financial institutions. Independent organizations often provide a more personalized service, strive to understand your business on a deeper level, and typically offer greater flexibility in their lending terms.

Unlike term debt, it offers a flexible credit limit that allows you to borrow only when needed, mitigating the risk of paying interest on unused funds. By making interest-only payments, your cash flow can stay more manageable, providing the financial freedom to capitalize on opportunities and navigate challenges.

The flexibility inherent in a loan agreement can be a lifesaver for a small business. Factors such as the ability to adjust repayment schedules, the option for additional borrowing, or support during challenging periods can contribute to your success. Business doesn’t always go as planned, so having a financial partner who can work with you through the ups and downs is crucial.

While interest rates are important—as they directly impact your repayment amount—they should not be the sole deciding factor. A loan with slightly higher interest rates but offering more flexibility and understanding can sometimes prove more beneficial in the long run.

Building a solid relationship with a lender who values your business can lead to long-term benefits. Independent finance companies value these relationships and may be more willing to work with you during challenging times or help you seize sudden growth opportunities.