Capital uncaged.
Term loans, lines of credit, and working capital for businesses ready to push. We're a direct lender. We answer the phone. Decisions in 48 hours.
What we fund.
Term loans
$50K – $5M · fixed monthlyFor acquisitions, expansions, equipment. Fixed rate. Predictable.
See details Lines of creditLines of credit
$25K – $500K · revolvingDraw what you need. Pay only on what you use. Same-day draws once open.
See details Working capitalWorking capital
$25K – $500K · 6–24 monthsFor seasonal swings, inventory builds, payroll cushion. Funded in days.
See detailsThree steps. That's it.
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01
Apply
15 minutes online. No documents to start. Soft credit pull only.
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02
Real answer
An underwriter reviews your file and calls you within 48 hours. Real terms, no runaround.
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03
Funded
Sign. Receive. Move. Most deals close 5–14 days from application.
What you get when you call.
Direct lender.
We own the capital. No brokers, no marketplace handoffs.
Underwriter on the call.
The person reviewing your file is the person you talk to.
No surprises.
What we quote is what you sign. Soft pull until you accept.
Same answer in 48 hours.
Whether the answer is yes or no, you'll hear it fast.
We don't talk speed. We deliver it.
Every deal we fund is underwritten in-house by a person whose name you'll know. Every term we quote is one we can hold. We exist for operators who don't have time to be handed off, ghosted, or rate-quoted by an algorithm.
Common questions.
Are you a direct lender or a broker?
Direct lender. We underwrite from our own balance sheet. Your file never gets shopped.
How fast can I get funded?
Most deals close 5–14 days from application. Lines of credit and smaller working capital deals can fund in 1–3 days once approved.
What do I need to qualify?
1+ year in business (2+ preferred), 600+ FICO, and $15K+ in monthly revenue. We fund 40+ industries; some verticals (cannabis, adult, payday) we can't touch.
Will applying hurt my credit?
No. We use a soft pull to review your file. A hard pull happens only if you accept a final offer.
What documents do I need?
To start, none. To close, three months of business bank statements and basic business info. SBA and larger term loans need tax returns.
What does it cost to apply?
Nothing. No application fees, no decline fees, no obligation to accept.
What documents do I need to close?
Three months of business bank statements, basic business info, and a personal financial statement for owners. SBA and larger term loans add tax returns and entity docs.
How is Powerhouse different from a bank?
Banks underwrite to a credit score and a checklist. We underwrite to the deal — debt-service coverage, use of funds, owner credit, industry fit. We move in days where banks move in months.
How is Powerhouse different from an online marketplace?
Marketplaces shop your file to dozens of lenders, each running their own pull, each calling you. We're the lender. One file, one decision, one phone number.
Can I refinance an existing loan?
Yes, if the refi makes the business healthier. We won't refi unaffordable debt into a longer term just to lower the monthly. If the math says it works, we'll do it.
What industries won't you fund?
Cannabis, adult, payday lending, gambling, and a short list of restricted verticals. If you're unsure, call — we'll tell you in the first 60 seconds.
What happens if rates change between approval and signing?
Rates we quote in a term sheet are held for 14 days. Past 14 days we may re-price if market rates move materially, and we tell you before, not at signing.