Fast, flexible funding to keep your business growing
Lighting Catalyst matches established businesses with merchant cash advance and funding options built around your growth stage and financial track record.
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Why Choose Lighting Catalyst
The right funding depends on where your business is today, so we offer multiple solutions instead of a one-size-fits-all product.
Speed When It Matters
When opportunity or urgency strikes, we can get funding to eligible businesses in as little as 24 hours.
Secured or Unsecured
Choose the structure that fits your situation, with both secured and unsecured options available.
Room to Grow
We don't believe in capping your potential, so we work to find funding that scales with your goals.
Every kind of business and real estate financing
One application, every option you qualify for.
Fix & Flip / Bridge Loan
Buy, renovate and sell or refinance - purchase and rehab money in one short-term loan.
Apply now →Merchant Cash Advance
Working capital based on your revenue, funded in as little as 24 hours.
Learn more →Business Line of Credit
Draw what you need, when you need it, and pay for only what you use.
Learn more →Term Loan
Larger amounts with predictable fixed payments for growth projects.
Learn more →How it works
Three easy steps to get started.
Apply Online
Tell us about your business and your funding needs in a simple application.
Review Options
We assess your growth stage and financial track record to identify solutions that fit.
Get Funded
Once approved, you receive your funds quickly and put them to work in your business.
Deals we closed
Real transactions, real terms. Here is what a file looks like when it goes right.
Net-leased retail cash-out
The owner had bought this PNC Bank and McDonald’s net-leased property a year earlier in an all-cash purchase and needed to unlock the equity for a new business venture without selling. We closed a $2,821,000 cash-out refinance on the free-and-clear property in under 45 days.
Two national credit tenants on triple-net leases did the heavy lifting: that cash-flow confidence supported a 30-year amortization that keeps payments low and a competitive floating rate off a transparent index. The client turned a cash purchase into capital for the next venture while keeping the property and its NNN income in place.
Deal snapshot
Frequently asked
The short version - the full list is on our FAQ page.
Who can apply for funding?
Lighting Catalyst works with businesses that have been operating for more than one year. Eligibility and options depend on factors such as your growth stage and financial track record.
How fast can I receive funding?
Funding can be available in as little as 24 hours for eligible businesses. Actual timing depends on approval and the completeness of your application.
Do you offer both secured and unsecured funding?
Yes, we offer both secured and unsecured options. We'll help you understand which structure suits your business and goals.
Ready to fund your next move?
Start your application today and see which funding solutions fit your business.
Apply Now →