From day-to-day working capital to large-scale expansion financing, ORVANTA INC structures capital around what your business actually needs.
Each program is structured with clear terms, direct communication, and funding from our own capital — no brokers, no surprises.
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.
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.
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.
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.
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.
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.
We review every application individually. These are general guidelines — not hard cutoffs. Talk to us first.
We generally work with businesses that have been operating for at least 6 months. Established businesses with longer track records unlock broader programs.
We look at gross monthly revenue to understand repayment capacity. Most programs require consistent monthly revenue over the prior 3–6 months.
Your business must be registered and operating in the United States. We have particular expertise in New York-based businesses.
We review 3–6 months of business bank statements as part of underwriting. No tax returns required for most programs.