Business Financing for Every Stage of Growth

From day-to-day working capital to large-scale expansion financing, ORVANTA INC structures capital around what your business actually needs.

What We Offer

Each program is structured with clear terms, direct communication, and funding from our own capital — no brokers, no surprises.

Business meeting

Business Term Loans

A straightforward loan with a fixed repayment schedule. You borrow a set amount, repay over a defined term, and always know exactly where you stand. Ideal for investments with a clear return: renovations, equipment, inventory buildups, and expansion projects.

Loan Amounts: $10,000 – $500,000
Best For: Planned capital investments, expansion, renovations
Structure: Fixed payments, transparent cost of capital
Financial planning

Business Lines of Credit

A revolving credit facility that gives your business on-demand access to capital up to an approved limit. Draw when you need it, repay as revenue permits, and draw again. The right tool for businesses with variable cash flow or unpredictable opportunity timing.

Credit Limits: $5,000 – $250,000
Best For: Seasonal businesses, ongoing operating needs, opportunistic purchases
Structure: Revolving draw facility
Industrial equipment

Equipment Financing

Finance the specific equipment your business needs without tapping working capital. We structure loans and leases around the productive life of the asset — meaning payments align with the value the equipment generates. From commercial kitchen appliances to industrial machinery.

Asset Types: Machinery, vehicles, technology, kitchen equipment, tools
Best For: Capital expenditures without depleting cash reserves
Structure: Equipment-secured, asset-aligned terms
Invoice management

Invoice Financing

You've done the work. You're waiting on payment. Invoice financing lets you access a significant portion of the invoice value now — so your business doesn't slow down because a client's accounts payable department is slow. We advance against your receivables at a fraction of their face value.

Advance Rate: Up to 85% of invoice face value
Best For: B2B businesses with net-30/60/90 terms
Structure: Receivables-backed, short-duration
Working capital

Working Capital Loans

Fuel the daily operations that make everything else possible. Payroll, rent, supplier payments, utilities — the ongoing costs of running a business don't pause for slow seasons. Working capital loans are structured for short-to-medium durations, sized to cover the gap between revenue cycles.

Loan Amounts: $5,000 – $200,000
Best For: Seasonal gaps, operational continuity, payroll bridging
Structure: Flexible repayment aligned to business cycles
Business growth strategy

Growth Capital

For established businesses pursuing significant expansion — new locations, acquisition targets, large-scale marketing initiatives, or major operational buildouts. Growth capital facilities are larger and longer-structured, requiring a deeper conversation about your trajectory and plans.

Facility Size: $150,000 – $500,000+
Best For: Scaling businesses with proven revenue
Structure: Custom — term loan, line, or hybrid

General Eligibility Guidelines

We review every application individually. These are general guidelines — not hard cutoffs. Talk to us first.

Time in Business

We generally work with businesses that have been operating for at least 6 months. Established businesses with longer track records unlock broader programs.

Monthly Revenue

We look at gross monthly revenue to understand repayment capacity. Most programs require consistent monthly revenue over the prior 3–6 months.

US-Based Business

Your business must be registered and operating in the United States. We have particular expertise in New York-based businesses.

Business Bank Statements

We review 3–6 months of business bank statements as part of underwriting. No tax returns required for most programs.

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