Flexible Financing for Individuals & Small Businesses


Loans & Finance Products that Offer Flexibility

personal Line of Credit

With a personal line of credit, clients enjoy ongoing access to the available credit line of funds they have qualified for. Whether you’re tackling home improvements or consolidating higher-interest rate debt, a personal credit line can give you instant access to cash when you need it.

Personal lines of credit are usually unsecured, which means you don’t need to use collateral to take out the line of credit. Secured lines of credit are backed by collateral, such as your house or a savings account. This type of financing offers more flexibility.

Business Line of Credit

Small businesses need to be able to adapt to change, especially during times of unexpected growth or uneven cash flow. An unsecured line of credit provides businesses with access to money that can be used to address any business expense that arises.

Unike more traditional business loans, business lines of credit allow you to pay for unexpected expenses as they arise instead of receiving one lump-sum. This makes business lines of credit an ideal tool for paying any unexpected expenses.

Traditional Business Loans

A traditional business loan is any type of financing that is used to provide funding to a traditional business. Unlike a line of credit, business loans are lump-sums of financing paid out to a business in order to cover unexpected costs such related to operations, growth, or business-related emergencies.

Business loans are provided to businesses by banks and private lenders. These loans include a term length and interest rate. Payments are divided up over the term and interest is applied to the principal . Businesses access these funds and then pay them back over time, making large purchases and emergency expenses more manageable.

Personal Loans

Personal loans give every-day people access to personal capital when needed. Unlike a business loan, personal loans can be spent on anything from personal purchases, vacations, to emergency hospital bills or other costs. Personal loans provide you with a lump-sum of cash when you need it most.

Personal loans make large expenses easier to cover by providing you with the money up front. Individuals then pay back both the principle and interest over a term or set length of time. Personal loans generally require good credit. Interest rates can vary widely based on the type of loan, though securing them with an asset as collateral can reduce both the payment amounts and interest rate.

Bridge Loans

Bridge loans are short-term loans that provide a “bridge” between the present moment and a future date by providing needed capital that would otherwise be illiquid. Bridge loans are commonly used in real estate but can be applied in any situation where immediate access to funds is required in order to create additional funds or future assets.

Bridge loans are used to provide you with cash flow when you depend on it in order to create future revenue. Bridge loans are used as fast, temporary money that is intended to facilitate a sale or future revenue like a project. Bridge loans can carry you over into a new home purchase while you wait for your sale to close or cover project costs until a specific transaction is complete.

Merchant Cash Advances

Merchant cash advances inject working capital into your business so that when your business needs to make a purchase, you can. Merchant cash advances give you a percentage of your revenue in advance, which you then pay back with interest over time.

When you need to make unexpected business purchases, don’t get stuck with your hands tied behind your back. Cash advances give you fast and easy money, though the convenience offered typically comes at a higher interest rate. 

Equipment Financing

Equipment financing makes large purchases bite-sized and allows business owners to make needed business purchases when cash is tight. Financing takes a large purchase and breaks down the total price plus interest over a set amount of months called a term.

Business owners pay back the purchase over time, which makes acquiring expensive equipment such as company vehicles or property easier to manage. 4th Dimension Financial gives businesses flexibility and options when financing large purchases.

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