Published sizing. Real mandates.
Each program below reflects an active mandate — with the check size, structure, and the profile that gets declined. Read the disqualifiers before you submit.
Operating company credit, $100K to $20M
Revenue-Based Financing
Capital repaid as a percentage of revenue rather than a fixed schedule — built for businesses that want growth capital without giving up equity or committing to fixed debt service in a slow month.
- Deal size
- $100K–$20M
- Terms
- Up to 14 mo · 630+ FICO, 3+ yrs in business, $150K+ monthly deposits · 48 hrs
Term Loans
Fixed maturity with prepayment discounts built in — for businesses that know exactly what they're funding and want a defined payoff date.
- Deal size
- $100K–$20M
- Terms
- Up to 24 mo · 630+ FICO, 3+ yrs in business, $250K+ monthly deposits, 3%+ EBITDA margin · 48 hrs
Flex Line
Draw as needed rather than taking a lump sum — priced and underwritten like Baruk's other business capital programs, structured for flexibility.
- Deal size
- $100K–$20M
- Terms
- Revolving · 48 hrs
Senior / Junior Secured Credit
Non-dilutive bridge and working capital secured against business assets — off-balance-sheet structuring available for businesses that need speed over the lowest possible cost of capital.
- Deal size
- $250K–$15M
- Terms
- 1–12 mo, weekly/biweekly amortization · Collateral: AR, inventory, real estate, equipment · 3–4 business days
Asset-Based Lending
Lending sized to what the balance sheet already supports — direct access to decision makers and low diligence fees keep this fast relative to a traditional bank line.
- Deal size
- $1M–$10M
- Terms
- Up to 90% AR / 50% inventory · Weekly funding
Factoring
No application fee, single-debtor concentration accepted, and not every invoice has to be factored — built for businesses that need cash flow timed to when work is done, not when the customer pays.
- Deal size
- Sized to AR
- Terms
- Up to 90% on eligible AR · Same-day on approved credit
Equipment Financing
Capital secured by the equipment itself rather than the balance sheet — structured as a loan, a lease, or a sale-leaseback on assets already owned. Single-asset checks start at $50K; fleet and infrastructure programs can scale well above $10M, with the payment schedule matched to the productive life of the asset instead of consuming a working capital line.
- Deal size
- $50K–$10M+
- Terms
- Up to 100% of equipment cost · 24–84 mo, fixed payment · Loan, lease, or sale-leaseback