Flexible Term Loans for Long-Term Growth

Term loans are a trusted option for business owners looking to make a meaningful investment. Whether you’re upgrading equipment, expanding a location, or paying off high-interest debt, a term loan gives you the breathing room to plan ahead and the confidence to grow. With longer repayment terms, fixed payments, and fast approvals, a flexible term loan might be just what you need for long-term growth.

Loan Amounts

$10K – $5M

Term Lengths

6 months - 7 years

Repayment Frequency

Weekly, Biweekly, Monthly

Interest Rates

Competitive market rates

Credit Pull

Soft

Closing Time Frame

Typically less than 1 week

Business Lines of Credit

Need funding on standby? A business line of credit gives you flexible access to capital when you need it most — without locking you into a large lump-sum loan. Draw what you need, when you need it, and only pay interest on what you use.

Whether it’s for payroll, inventory, marketing, or seasonal expenses, your line is always there ready to help your business move forward.

Max Credit Line

$5k - $3M

Payback Terms

6 months - 3 years

Funding Time

As little as 1 day

Repayment

Weekly or Monthly

Type

Revolving Line - reuse funds without reapplying

Credit Pull

Soft

Working Capital That Moves as Fast as You Do

Need cash in your business account—fast? Our working capital program is built to deliver funding in as little as 24 hours, with flexible terms and no collateral required. Whether you’re covering payroll, buying inventory, or navigating an unexpected expense, Omnispyke Capital makes it simple.

Bad credit? Just getting started? You still have options.

Amounts

5K – $5M

Term Lengths

3 months - 3 years

Credit Pull

Soft (won't impact your score)

Closing Time Frame

As fast as same day

Finance the Equipment You Need Without Tapping Your Cash Flow

Need to upgrade or replace equipment but don’t want to drain your working capital? Equipment financing lets you purchase essential tools, machinery, or vehicles without the upfront cost. Whether you’re investing in medical devices, commercial kitchen gear, tractors, trailers, dump trucks, heavy machinery, or even office tech, we’ll help you get it done quickly and affordably.

Amount

$10K - $10M

Term Length

Up to 10 years

Loan to value

Up to 100%

Credit Pull

Soft (no impact on credit score)

Closing Time Frame

Within a week and as fast as 48 hours

Repayment

Monthly

Affordable, Long-Term Funding for Serious Growth

SBA loans are some of the most powerful funding options available for small business owners. Backed by the U.S. government, these loans offer lower interest rates, longer terms, and higher approval odds than most traditional options, making them ideal for expansion, refinancing, or large investments.

If you’re ready to take a big step forward, an SBA loans could be the solution.

Loan Amounts

Up to $5M

Loan Terms

10 - 25 years

Interest Rate

Starting at

Prime + 3%

Pre-Approval Time

Within 48 hours

Funding Timeline

As little as 14 days

Payment Frequency

Monthly

Credit Pull for Pre-Approval

Soft

Start-Up Financing That Helps You Get Off the Ground

Starting a business is a big step, but funding it doesn’t have to be overwhelming. Whether you’re launching your first venture or scaling a new idea, Omnispyke Capital connects you with funding solutions designed for early-stage businesses.

We help you cut through the noise, find the right financing option, and guide you through the process from start to funded.

SBA Microloans

Affordable government-backed loans designed for small and emerging businesses.

Business Credit Cards

Ideal for businesses under 6 months old needing quick, flexible spending power.

Personal Loans for Business Use

Great for founders with strong personal credit but limited business history.

Small Business Grants

Non-repayable funding that may be available based on your business type or mission.

Commercial Real Estate Loans Built for Business Growth

Looking to purchase, refinance, or renovate commercial property? Omnispyke Capital offers commercial real estate loans tailored to business owners and investors across a wide range of industries. With flexible terms, high loan-to-value options, and funding up to $50 million, we help you move quickly on the properties that move your business forward.

Loan Amounts

$200K - $50M

Loan to value

Up to 80%

Interest Rates

Competitive market rates

Loan Term

1 - 30 years

(fixed and interest-only options available)

Funding Timeline

Can close in as little as 2-3 weeks

Cannabis Business Financing You Can Count On

The cannabis industry is growing fast, and we’re here to help you grow with it. Whether you’re expanding a dispensary, outfitting a grow facility, or navigating cash flow challenges, EBA Payments offers flexible cannabis financing options tailored to the unique needs of cannabis, hemp, and CBD businesses.

We understand the compliance hurdles, banking limitations, and fast-moving opportunities, and we’re ready to help you fund your next move.

Hiring

Add staff during peak seasons, expansions, or product launches

Marketing

Promote your dispensary or products with capital for advertising and outreach.

Equipment and Fixtures

Invest in new cultivation tools, display cases, packaging machinery and more.

New Location

Secure capital to open new dispensary storefronts or grow operations.

Facility Build Outs

Fund the construction or renovation of cultivation, manufacturing, or retails.

Operational Cash Flow

Handle unexpected expenses or delays with flexible working capital.

Build a Fundable Business Profile, Without Using Your Personal Credit

Most small business owners rely too heavily on personal credit. The Business Credit Suite is designed to change that — giving you the tools, guidance, and access needed to build real business credit that doesn’t require a personal guarantee.

You’ll gain visibility into how lenders view your business, fix issues before they cost you, and unlock the credit you need to grow, all backed by expert support and smart software.

Seperate Personal and Business Finances

5K – $5M

Improve Approval Odds

3 months - 3 years

Quality for Larger Limits

Soft (won't impact your score)

Lay the Groundwork for SBA, Real Estate, and Growth Loans

As fast as same day