Products — Keyquest Funding

PRODUCT 01 / SHORT-TERM

Daybreak Advance

Revenue-based capital · funded before next morning's deposit

Revenue-based capital with daily or weekly remits. The cash hits before the next morning's deposit settles, and remits come out automatically as a fixed daily or weekly draw. Built for businesses with strong revenue but thin operating history.

Use of proceeds: working capital, payroll bridge, inventory, marketing
Soft credit pull only at pre-qualification
Zero collateral, no UCC filings on assets
Renewable at 50% paydown — same underwriter, same hour

Apply for Daybreak ● Wired in as little as 4 hours

Term Sheet Parameters

Funding range	$5K — $500K
Term	3 — 18 months
Buy rate	1.18 — 1.49
Time in business	≥ 6 months
Monthly revenue floor	$15,000
FICO floor	500
Origination fee	2.49 — 4.99%
Time to wire	as fast as 4 hrs

PRODUCT 02 / TERM LOAN

Cornerstone Term

Fixed-rate amortizing capital for the scale-up phase

Fixed-rate amortizing loan for businesses ready to plant a flag. Predictable monthly payments, no prepayment penalty after month six. The structure most banks would offer if they answered your call faster.

Working capital, debt consolidation, equipment, hiring, expansion
Single fixed APR for the life of the loan
Monthly ACH — no daily remits, no UCC on inventory
Re-up at any time — even before payoff

Apply for Cornerstone ● Decision in 2–3 business days

Term Sheet Parameters

Funding range	$25K — $2M
Term	12 — 60 months
APR range	8.9% — 24.9%
Time in business	≥ 24 months
Annual revenue floor	$240,000
FICO floor	660
DSCR target	≥ 1.20×
Decision time	2 — 3 business days

PRODUCT 03 / REVOLVING LINE

Open Vault Line

A real revolving line of credit — not a draw-and-refinance product

Underwritten once at the line size, then drawn against as needed. Pay interest only on the outstanding balance. Replenishes as you repay, just like a corporate credit facility.

Approve once, draw for 12 months without re-underwriting
Per-draw repayment: 6 or 12 months, weekly
No prepayment penalty on any draw, ever
Monthly statement reporting via online dashboard

Apply for Open Vault ● First draw in 48 hours

Term Sheet Parameters

Line size	$10K — $1M
Draw fee	1.5% — 2.5%
Interest (on drawn)	Prime + 4.5 — 12%
Time in business	≥ 12 months
Annual revenue floor	$120,000
FICO floor	625
Repayment	6 or 12 mo, weekly
First draw	≤ 48 hrs after approval

PRODUCT 04 / BRIDGE

Lightning Bridge

Asset-collateralized capital between deal close and permanent funding

Bridge capital for the moment between "we just closed the deal" and "the permanent loan funded." Ideal for acquisitions, partner buyouts, and real estate take-out where timing is the entire negotiation.

Acquisitions and partner buyouts where timing kills deals
Real estate take-out before SBA 504 or 7(a) funds
Inventory build-up ahead of seasonal demand
Interest-only with balloon at term — refi or pay off whenever

Apply for Bridge ● Close in 5 — 10 business days

Term Sheet Parameters

Funding range	$50K — $5M
Term	1 — 24 months
Rate	10.99% — 18.99%
Max LTV	75% RE · 60% other
Origination	2 — 4 points
Repayment	interest-only, balloon
Collateral	CRE, equipment, AR
Close timeline	5 — 10 business days

PRODUCT 05 / SBA PREFERRED LENDER

Steel Beam SBA 7(a)

Long-term, low-rate capital backed by the SBA

The Small Business Administration's flagship 7(a) program, processed in-house by our SBA Preferred Lender (PLP) credit team. Use proceeds for working capital, debt refi, equipment, real estate, or business acquisitions. Average time-to-close: 38 days.

SBA Preferred Lender Partner — final credit decisions made in-house
Down payment as low as 10% on business acquisitions
SBA guarantees 75–85%, preserving your unsecured credit capacity
Refinance high-cost debt at Prime + 2.75%

Apply for SBA 7(a) ● 38-day median close (industry: 75)

Term Sheet Parameters

Loan size	$100K — $5M
Term — WC	10 yr fully amortizing
Term — RE	25 yr fully amortizing
Rate	Prime + 2.25 — 2.75%
Down payment	10 — 15%
SBA guaranty fee	0% — 3.75%
FICO floor	680
Avg. close time	38 days

PRODUCT 06 / REAL ESTATE

Foundation 504

Owner-occupied commercial real estate at a 25-year fixed rate

SBA's 504 program for owner-occupied commercial real estate. 25-year fully amortizing fixed rate on the CDC portion (~6.32% as of March 2026). The cheapest long-term capital your business will ever touch.

50/40/10 split: 50% bank, 40% SBA-backed CDC, 10% borrower equity
≥ 51% owner occupancy — perfect for buying the building you lease
Use of proceeds: purchase, construction, refinance of existing CRE debt
CDC portion is fully assumable on resale

Apply for 504 ● 52-day median close

Term Sheet Parameters

Project size	$250K — $5.5M
Bank/CDC/Equity split	50 / 40 / 10
CDC term	25 yr fixed
CDC effective rate	~6.32% (Mar 2026)
Owner occupancy	≥ 51% required
Use of proceeds	purchase, build, refi
FICO floor	680
Avg. close time	52 days

PRODUCT 07 / EQUIPMENT

Axle Equipment Pro

100% LTV financing on hard assets · Section 179 friendly

Financing on the truck, kitchen line, CNC machine, dental chair, or rooftop HVAC unit. Soft costs (delivery, install, training) wrapped into the financed amount up to 25%. Section 179 + bonus depreciation eligible.

New or used equipment, vendor invoice or auction
Vendor paid directly within 24 hours of approval
Deferred first payment options: 30, 60, or 90 days
Refinance or upgrade in-place at any time

Apply for Equipment ● Vendor paid in 24 hours

Term Sheet Parameters

Funding range	$10K — $1.5M
Term	24 — 84 months
Rate	7.4% — 19.9%
LTV	up to 100%
Soft cost rollin	up to 25%
First payment	deferrable 30/60/90
FICO floor	600
Vendor pay time	24 hrs

PRODUCT 08 / RECEIVABLES

Ledger Float

Invoice factoring for B2B and government contractors · same-day advances

Invoice factoring against creditworthy customers. We advance up to 95% of approved invoices, same day. Both recourse and non-recourse facilities available. Daily funding cutoff is 3:00 PM ET.

Trucking, staffing, professional services, government prime/sub contractors
Underwriting weight on YOUR customers' credit, not yours
Online portal: upload invoices, see advances, track collections
Notification (or non-notification) factoring options

Apply for Factoring ● Same-day funding · 3 PM ET cutoff

Term Sheet Parameters

Facility size	$25K — $10M
Advance rate	80% — 95%
Discount fee	0.5 — 3.5% / 30 days
Industries	trucking, staffing, gov, B2B
Recourse	recourse · non-recourse
Setup time	5 — 7 days
FICO check	soft (your customers drive approval)
Daily cutoff	3:00 PM ET

PRODUCT 09 / ASSET-BASED

Ironwood Asset

Revolving credit against AR, inventory, and machinery for middle-market borrowers

A revolving credit facility against a borrowing base of accounts receivable, eligible inventory, and machinery & equipment. For middle-market businesses with high working-capital intensity or seasonal swings.

Borrowing base advance: 85% AR, 50% inventory, 75% M&E
Monthly Borrowing Base Certificate (BBC) reporting
Field exam and inventory appraisal at facility setup
Step-up size as the business grows — annual recasting

Apply for ABL ● 21–35 day close

Term Sheet Parameters

Facility size	$250K — $10M
Advance — AR	up to 85%
Advance — Inv.	up to 50%
Advance — M&E	up to 75%
Rate	SOFR + 3.5 — 6.5%
Term	2 — 3 yr revolving
Annual revenue floor	$3,000,000
Time to close	21 — 35 days

APR	11.49%
Monthly payment	$8,237.43
Total interest	$46,532.00
Origination fee	$5,000 (2.0%)
Total cost of capital	$51,532.00

Buy rate	1.32
Daily remit	$1,257.94
Total payback	$330,000.00
Origination fee	$7,500 (3.0%)
Total cost of capital	$87,500.00

APR	10.25% (P+2.75)
Monthly payment	$3,341.13
Total interest	$150,956.00
SBA guaranty fee	$5,500 (2.2%)
Total cost of capital	$156,456.00

Nine financing structures, one institutional credit team.

Daybreak Advance

Term Sheet Parameters

Cornerstone Term

Term Sheet Parameters

Open Vault Line

Term Sheet Parameters

Lightning Bridge

Term Sheet Parameters

Steel Beam SBA 7(a)

Term Sheet Parameters

Foundation 504

Term Sheet Parameters

Axle Equipment Pro

Term Sheet Parameters

Ledger Float

Term Sheet Parameters

Ironwood Asset

Term Sheet Parameters

A $250,000 capital need, three different structures.

$250,000 / 36 mo

$250,000 / 12 mo

$250,000 / 120 mo

One application. Our credit team routes you to the right product.