Six distinct funding products — each engineered to solve a specific business need. No one-size-fits-all solutions. No intermediaries. Just direct capital from BWIRED to your business.
The operational lifeblood of any business. Working capital is what keeps payroll running, inventory stocked, and the lights on — especially during seasonal dips or rapid growth phases when cash timing creates gaps.
BWIRED's working capital loans are deployed directly from our balance sheet, with fast underwriting that looks at your actual business performance — not just credit scores. We fund businesses that are growing, seasonal, or simply need a cash flow bridge.
The machinery, vehicles, and technology your business runs on are its infrastructure. Acquiring them shouldn't require depleting your working capital or waiting months for bank approval.
BWIRED's equipment financing lets you acquire the assets you need now while preserving cash for operations. We finance a broad range of commercial equipment — from construction machinery and commercial vehicles to restaurant equipment and medical devices.
For expansion, acquisitions, renovations, and major strategic investments — you need structured capital with predictable repayment. Business term loans provide a lump sum with defined terms that make financial planning straightforward.
Unlike revolving credit, a term loan delivers capital once for a specific purpose. BWIRED offers term loans with fixed rates, transparent schedules, and no prepayment surprises — just clean, direct financing for your growth agenda.
Capital on-demand, structured like a circuit: draw power when you need it, restore capacity when you pay back. A revolving business line of credit is the most flexible funding tool available — and direct access to one from a direct lender means lower cost and faster draws.
BWIRED's business lines of credit are designed for businesses that want optionality: the ability to handle unexpected expenses, capitalize on sudden opportunities, or simply have a financial buffer that costs nothing when unused.
Outstanding invoices represent real money your business has already earned — but 30, 60, or 90-day payment terms trap it in limbo. Invoice financing lets you convert that trapped capital into available cash without waiting for your clients to pay.
BWIRED advances a percentage of your outstanding invoices upfront, then collects directly from your clients when invoices come due. You access capital now; the invoices handle the repayment.
Traditional loans demand fixed payments regardless of how your business performs. Revenue-based financing aligns repayment with your actual revenue — when business is strong, you pay more; when it slows, payments adjust accordingly.
BWIRED provides an upfront capital injection in exchange for a small, agreed-upon percentage of your monthly revenue until a predetermined amount is repaid. No fixed term, no fixed payment, no stress during slow months.
Most businesses qualify. Our underwriting looks at business performance holistically — not just traditional credit metrics.
Minimum 6 months in operation for most programs. Term loans may require 2+ years.
Minimum $10,000/month in business revenue for most working capital and line of credit programs.
Must be a registered US business entity: LLC, Corporation, S-Corp, or Partnership.
Owner(s) with 20%+ ownership may be required to provide a personal guarantee.
Active business checking account required for funding deposit and repayment processing.
3–6 months of business bank statements. Additional documents may be requested for larger funding amounts.
Apply once — our team reviews every funding product to find the best fit for your business. No commitment, no hard credit pull to start.
Start Your Application