SBA Loans
Government-backed capital with long terms and the lowest available rates.
Decisions in as little as 24 hours
Business Financing Solutions
Explore specialized funding designed for every stage of your business growth.
Commercial product suite
Receivables Financing
Unlock cash tied up in outstanding customer invoices.
Merchant Cash Advances
Advance against future card sales, repaid as a share of revenue.
Equipment Financing
Fund vehicles, machinery and hardware secured by the asset itself.
Term Loans
Fixed lump-sum capital from 3 to 60 months with predictable payments.
Invoice Factoring
Sell invoices at a transparent discount and get paid immediately.
Lines of Credit
Revolving capital you draw on demand — interest only on what you use.
Personal Loans
Owner financing for founders bridging personal and business needs.
Quick Application for Capital
Move the sliders to see live estimated repayments.
Amount$17,000
$5,000$500,000
Term24 months
3 months60 months
- Monthly
- $768
- Total repayable
- $18,434
- Rate
- 7.9% APR
Estimates only. Final pricing depends on business profile and underwriting.
How it works
- 1
Apply Online
A 5-minute digital application. No branch visits, no paperwork stacks.
- 2
Automated Review
Our instant decisioning engine reviews cash flow, revenue and risk in real time.
- 3
Select Your Terms
Choose your amount, term and customizable payback schedule.
- 4
Receive Your Funds
Same-day wire or ACH transfer straight into your account.
Facilities up to $2M, secured and unsecured, with no early settlement penalties.
Bank-grade encryption & secure partner integration with LightBox
Commercial lending workflows on HATROM Capital are underwritten and serviced in partnership with LightBox. HATROM Capital is a financial technology company, not a bank; loans are originated by our licensed lending partners.
Trusted by thousands of businesses
Trustpilot4.9/5
Google5.0
AY
Amina Yusuf
E-Commerce Entrepreneur
"We needed inventory capital before peak season. The application took five minutes and the wire landed the next morning."
Funded in 26 hoursE-Commerce Entrepreneur
MD
Marcus Delgado
Logistics Owner
"Equipment financing without the paperwork circus. Terms were clear, and the repayment schedule matched our cash cycle."
Funded in 2 daysLogistics Owner
PR
Priya Raman
Tech Startup Founder
"Global payouts to our contractors used to take a week. Now it's instant, and reconciliation is finally boring."
Funded same dayTech Startup Founder