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Business Financing, Simplified.

We'll help you find the right financing option, so you can focus on growing your business.

Same-Day Funding
Once approved, funds can be in your account within 24 hours.
Flexible Terms
Financing structured around your business, not a template.
Get funding now
Applying will not impact your credit score
9:41
Water's Edge Funding
Business financing
Up to $5 Million
Decisions in
Under 24 Hours
Rates starting at
X.XX%*/month
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Put It To Work

What can you do with funding from Water's Edge?

However your business needs to move, the capital moves with it. No restrictions on how you use it, no middleman slowing things down — just a straight line from approval to action.

  • Purchase inventory
  • Stabilize cash flow
  • Cover payroll
  • Upgrade equipment
  • Expand or renovate
  • Hire more employees
  • Launch a marketing push
  • Consolidate business debt
Why Water's Edge

We understand small business.

As a partner in small business growth, we know timing is everything. Unlike most banks, we focus on flexible financing options — and we move fast.

Find out more

Fast

Receive funding within 24 hours of approval.

Flexible

Terms tailored specifically to your business needs.

Transparent

Clear terms and rates, disclosed before you sign.

Financing Options

Get tailored financing options.

Every business's cash flow moves differently — explore the structure that fits how yours actually runs.

Term Loan

A single, predictable lump sum with a fixed repayment schedule — straightforward capital for a defined purpose.

  • Terms ranging from 6 months to 5 years
  • Funding up to $2,000,000
  • No pre-payment penalties
  • Decisions within 24 hours
More about Term Loans
Funding up to$2,000,000
Terms6 – 60 months
Decision timeUnder 24 hrs

Line of Credit

Draw funds as you need them and pay interest only on what you use — a standing reserve for when cash flow turns quickly.

  • Credit lines up to $750,000
  • Line increase eligibility every 60 days
  • No pre-payment penalties
  • Same-day funding available
More about Lines of Credit
Credit lines up to$750,000
Terms6 – 24 mo revolving
Decision timeUnder 24 hrs

Equipment Financing

Finance the vehicles, machinery, or tools that keep operations running — with the equipment itself securing the loan.

  • Terms range from 1 to 10 years
  • Finance up to 100% of equipment value
  • Potential tax benefits
  • Funding in as little as 48 hours
More about Equipment Financing
Finance up to100% of value
Terms1 – 10 years
Decision timeUnder 48 hrs

SBA 7(a) Loan

Government-backed financing with longer terms and lower rates for qualifying businesses looking to grow deliberately.

  • Terms up to 10 years
  • Funding up to $5,000,000
  • Lower rates for qualifying businesses
  • Bi-weekly or monthly payments
More about SBA 7(a)
Funding up to$5,000,000
TermsUp to 10 years
Decision timeUnder 24 hrs

Bridge Capital

Short-term funding that carries you across a gap — between contracts, seasons, or larger financing coming through.

  • Terms ranging from 6 to 24 months
  • Credit lines up to $750,000
  • No pre-payment penalties
  • Same-day funding available
More about Bridge Capital
Credit lines up to$750,000
Terms6 – 24 mo
Decision timeUnder 24 hrs

Invoice Financing

Unlock cash tied up in unpaid invoices instead of waiting 30, 60, or 90 days for clients to settle up.

  • Advance rates up to 90%
  • Funding in as fast as 24 hours
  • No long-term contracts required
  • Scales with your invoice volume
More about Invoice Financing
Advance rateUp to 90%
Funding inAs fast as 24 hrs
ContractsNone required
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Client Stories

Join our network of happy customers.

"

Water's Edge got back to us within a day and walked us through every option in plain language. It made expanding our second location possible months earlier than we'd planned.

[Client Name], Owner[Business Name] — Restaurant
"

We needed equipment financing fast during our busy season. The process was straightforward and the terms were exactly what we were quoted — no surprises.

[Client Name], Founder[Business Name] — Construction
"

Our line of credit gave us breathing room to cover payroll during a slow stretch. Having that reserve changed how we plan for the whole year.

[Client Name], Co-Founder[Business Name] — Retail
Qualification

All you need to qualify.

A quick look at whether your business is a fit — no hard credit pull required to check.

$150K+In annual revenue
6Months in business
550+FICO score
4Recent bank statements
Estimate loan amount
How It Works

Just 3 steps to get funding started.

We keep the application process simple so you can focus on running your business.

1

Apply online

Just a few quick questions and away we go — takes about ten minutes.

2

Get approved

A funding specialist walks you through the options you qualify for.

3

Receive your funds

Accept your terms and the funds are on the way — often the same day.

Get funded now!
Real People, Real Answers

We speak small business — and we're ready to take your call.

You don't need to be an expert on business loans. Our team of U.S.-based funding advisors is here to help, step by step, from your first question to your final signature.

(845) 596-3996
Monday – Friday, 9 a.m. – 7 p.m. ET
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Let's get your business moving!

Applying couldn't be simpler, and it only takes about ten minutes.

Apply now
Applying will not impact your credit score
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