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Direct lender · No third parties

Capital that moves at the speed of your business.

Soteria funds working-capital lines and equipment loans directly from our balance sheet. One application, transparent terms, decisions in hours — not weeks.

$250M+
deployed
24hr
avg decision
0
origination fees
Quick estimateLIVE
$150,000
Est. APR
9.4%
Term
36 mo
Get pre-qualified

Estimates only. Not a commitment to lend. Subject to underwriting & credit approval. APR range 8.9%–24.9%.

// Products

One lender. Four ways to fund.

Working capital line

Revolving credit you draw on only when needed. Interest accrues on outstanding balance.

Up to $500K
Equipment financing

Fund machinery, vehicles, and hardware at a fixed rate with predictable payments.

Up to $2M
Invoice advance

Convert unpaid receivables into same-day cash flow without waiting on client terms.

Up to $1M
// Process

From application to funding in three steps.

01

Apply online

Ten minutes, one form. No impact to your credit to see initial terms.

02

Review your offer

Full cost of credit disclosed in writing — APR, finance charge, total repayment.

03

Get funded

Sign electronically and receive funds, often within one business day.

// Transparency

Every dollar, documented.

As a direct lender we disclose the full cost of credit before you sign — APR, finance charges, and total repayment, in plain language.

Sample disclosure
Loan amount$150,000
Finance charge$18,420
Total of payments$168,420
Annual percentage rate9.4%
// Compliance

Built to the letter of the rules.

10DLC & TCPA compliant

Every text message requires your explicit opt-in. Reply STOP any time to cancel.

No pre-checked consent

Consent boxes default to off. You choose exactly what you receive.

Truth-in-Lending disclosures

Regulation Z cost breakdowns before every agreement, in plain language.

Data protected

Information encrypted in transit and at rest. Never sold to third parties.

Ready to see your rate?

One application. Transparent terms. A decision in hours — not weeks.

Apply now