Structured Capital.
Built Around Your Business.
Cashera specializes in bespoke term loan financing for small and mid-sized SMEs, with highly structured solutions built around complex capital needs. We don't fit businesses into lending boxes — we build the structure around them.
- Term sheet in 24–48 hours
- Funding in 5 business days
- $500K–$5MM, built for speed and tailored to your needs
LOAN SIZE
$500K – $5MM
SPEED
24–48 hrs
TERM
12 to 15 Months
RATES
15% – 31%
Game-Changing Credit On Your Terms
Growing companies frequently require fast and flexible capital. Traditional lending sources are often too slow and too inflexible to meet these needs. Cashera Private Credit closes this gap with institutional-grade underwriting, flexible structures, and a timeline that respects the reality of your business.
Bank Timelines vs. Business Timelines
Traditional credit committees can take weeks - time you don't have when bridging a financing gap, securing a key hire, funding an inventory purchase, or expanding business operations.
Bridge Financing Gaps & Unlock Value
Our rapid and flexible approach to generating offer sheets and providing capital helps you bridge financing gaps and unlock value within your business.
Rigid Funding Requirements
Too often, terms and requirements from traditional lending institutions are inflexible and don't meet your needs. We work with you to find options that empower your success.
Opportunity Costs
When capital is slow, projects slip, discounts expire, and competitors jump first.
Financing Overview
We originate and fund $500K–$5MM in structured term loans for qualified North American businesses, built around actual cash flow and deal dynamics — not rigid lending boxes.
LOAN SIZE
$500K – $5MM
Structured term loans
SPEED
24–48 hrs
Initial decisions · Closing in 5–7 days
TERM
12 to 15 Months
Flexible repayment
RATES
15% – 31%
Based on risk, collateral, and complexity
COLLATERAL
Flexible Structures
UCC-1 · Real estate · Equipment · Guarantees · Lockbox
INDUSTRIES
Broad Coverage
Cash-flowing businesses · Special situations
Our Capital Solutions
Growing companies need fast, flexible capital. Traditional lenders are too slow and rigid. We're built differently.
Secured & Unsecured Term Loans
Term loans and asset-backed facilities secured by marketable equity (public or eligible private) or first/second-position real estate.
Unlock Upside
Term sheets designed to enable the success of your business and unlock your upside. Because your success is our success.
Tailored Structures
We design facilities around use of proceeds and collateral profile — not a one-size template.
White-Glove Experience
A dedicated contact keeps you and your advisors aligned from intro to funding.
Who We Work With —
operators & the people backing them.
We partner with businesses seeking structured capital for growth, refinancing, or time-sensitive opportunities — and the investors, advisors, and intermediaries that support them.
- Public and private companies seeking $500K–$5MM in structured capital
- Cash flowing businesses with clear repayment visibility
- Companies navigating complex or time-sensitive situations
- Borrowers open to structured collateral solutions
Partner Networks that drive value.
Cashera Private Credit works closely with our partners to shape deals that drive value for all stakeholders. Our partner network is always growing.
Public & Private Companies
Founders/CEOs, CFOs/Controllers, partners, and other stakeholders at growth-stage businesses that need working, growth, or bridge capital.
Investors
PE/VC partners, family offices, and hedge funds seeking portfolio-company runway, bridge-to-close, or liquidity against marketable positions.
Intermediaries
Investment bankers, CPAs, advisors, lawyers, and select brokers who value certainty of execution, clean communication, and flexible terms.
Our Process — from intro to funded in days.
Intro & Fit Check
Share use of funds, potential collateral, and timing. If aligned, we send a concise checklist the same day.
Term Sheet (24–48 hrs)
We price and structure an offer tailored to your goals, requirements, and timeline.
Diligence & Docs (5–6 days)
Focused diligence, review offer and finalize documents. Your dedicated loan concierge coordinates counsel.
Funding
Proceeds wired. We stay close post-funding to ensure the capital supports your plan.
Use Cases — how clients put Cashera to work.
Real-world ways teams put our loans to work. When timing matters and the window is days, not months, we're built for it.
Bridge Capital
Extend runway to a signed term sheet or planned raise without taking a down-round or rushing diligence.
CRE Deposit Financing
Land commercial real estate deals with flexible deposit financing that keeps projects moving forward.
Growth Capital
Inventory buys, seasonal ramps, key hires, or campaign launches when momentum can't wait.
Unlock Equity Value
Pledge public shares (or eligible private/VC-backed shares) for short-term liquidity without selling the position.
Acquisition Deposits & Earn-Out
Fund deposits, escrow gaps, or contingent payments while preserving flexibility.
Receivable / Closing Bridge
Cover timing gaps between signed deals, AR collections, or asset sales and cash in hand.
Vendor Prepayments & PO Financing
Secure supplier discounts, lock in inventory, and finance purchase orders without straining working capital.
Get Started Today.
See how much your business could qualify for. No obligations, no impact on your credit.