Savient Financial offers a comprehensive suite of direct lending products designed to meet your business where it is — and fund where it's going.
Our business term loans provide a lump-sum capital injection repaid over a defined period with fixed or variable rates. This is the ideal solution for planned capital expenditures, business expansion, acquisitions, and major investments where you need a predictable repayment structure.
As a direct lender, we can customize loan terms to match your business's cash flow profile — something traditional banks rarely offer.
6+ months in business, $10,000+ monthly revenue. Credit profile considered holistically — we look at the full picture of your business.
Revenue-based financing (RBF) is a flexible funding structure where repayments are tied directly to your business's monthly revenue. This means payments naturally flex with your business — higher when revenue is strong, lower during slower periods.
This program is particularly well-suited for businesses with seasonal revenue patterns, subscription-based models, or any company that wants repayment flexibility without equity dilution.
3+ months in business with consistent monthly revenue. Strong revenue history considered favorably.
Acquire the machinery, technology, vehicles, and specialized equipment your business needs without depleting working capital or disrupting cash flow. Equipment financing uses the asset itself as collateral, often resulting in more favorable rates and terms.
From manufacturing equipment and commercial vehicles to medical devices and technology infrastructure, Savient Financial funds a wide range of equipment types across virtually every industry sector.
1+ year in business preferred. Equipment serves as primary collateral. Wide range of industries and equipment types accepted.
A business line of credit is a revolving credit facility that provides on-demand access to working capital. Unlike a term loan, you only draw what you need and only pay interest on the outstanding balance — making it a highly efficient funding tool for managing cash flow and seizing time-sensitive opportunities.
With a Savient Financial line of credit, you have capital available when you need it without the process of reapplying for funding each time your business needs resources.
6+ months in business, consistent monthly revenue. Qualification based on overall business health, not just credit score.
Don't let unpaid invoices hold your business back. Invoice financing — also called accounts receivable financing — allows you to convert outstanding invoices into immediate working capital. Instead of waiting 30, 60, or 90 days for clients to pay, you receive an advance on those receivables from Savient Financial.
This solution is particularly powerful for B2B businesses, staffing companies, construction firms, and any business that routinely extends credit terms to clients.
B2B invoices with creditworthy end-customers. Minimum invoice values apply. Works for businesses of all sizes.
Working capital loans provide the fuel your business needs for day-to-day operations — payroll, inventory, vendor payments, marketing, and the countless other expenses that keep a business running. This program is specifically designed for businesses that need quick access to operational capital without complex collateral requirements.
Savient Financial's working capital programs are among the fastest to fund, often delivering capital within 24–72 hours of approval for qualifying businesses.
3+ months in business, $5,000+ monthly revenue. All industries considered. Fast application process with same-day review.
Minimum time in operation. Longer operating history qualifies for larger amounts and better terms.
Minimum monthly gross revenue. Higher consistent revenue significantly expands available options.
Programs available across a wide funding range. Specific amounts depend on program type and qualification.
Connect with a Savient Financial advisor who will assess your needs and recommend the optimal program for your business goals.
Talk to an Advisor