Skip to content
Walnut Hill Capital

Financing solutions for the way your business actually works

Every business has a different capital need, and the right financing structure depends on how your cash flows, what you're funding, and how fast you need to move. We match each client to the lender and product that fits their specific situation, drawing on a broad network of banks, alternative lenders, and specialty funders. If you're unsure which applies to your situation, start with a conversation. That's what we're here for.

Working Capital

Keep your business moving when cash flow gaps appear.

Working capital financing provides short-term funds for day-to-day operational needs: payroll, inventory, supplier payments, marketing, and everything that keeps your business running between receivables. It's the most common financing need we see, and often the most time-sensitive.

  • Typical use cases: payroll, inventory, overhead, seasonal cash flow gaps
  • Funding amounts: varies by lender and business profile
  • Approval timelines: as fast as 24 to 48 hours
  • Repayment: daily, weekly, or monthly depending on product type

Business Line of Credit

Access capital when you need it. Pay only for what you use.

A revolving line of credit gives your business a standing credit facility you can draw on as needed, and replenish as you repay. Unlike a term loan, you're not paying interest on funds you haven't used. It's the right tool for businesses that need ongoing flexibility rather than a single lump sum.

  • Draw and repay as needed, with a revolving structure
  • Only pay interest on what you borrow
  • Ideal for businesses with recurring or variable capital needs
  • Can complement other financing already in place

Equipment Financing

Get the equipment your business needs without depleting working capital.

Equipment financing allows you to acquire the physical assets your business requires (machinery, vehicles, technology, fixtures, or specialized tools) without tying up operating cash. The equipment itself often serves as collateral, which can make approval more accessible even when other credit metrics are limited.

  • Finance or lease new and used equipment
  • Preserve working capital for operations
  • Terms typically aligned to the useful life of the asset
  • Applicable to a wide range of industries and asset types

Real Estate Financing

Acquire, build out, or refinance your business location.

For businesses that own or are looking to own their operating space, real estate financing provides capital for purchase, construction, tenant improvement, or refinancing of commercial properties. We work with lenders who understand owner-operator real estate, including SBA 504 structures, conventional commercial mortgages, and bridge financing.

  • Purchase of owner-occupied commercial real estate
  • Build-out and tenant improvement financing
  • Refinancing of existing commercial real estate debt
  • SBA 504 and conventional commercial mortgage structures available

Revenue-Based Financing

Flexible repayment tied to your business performance.

Revenue-based financing, sometimes called a merchant cash advance, provides a lump sum in exchange for a fixed percentage of future revenue. Repayment adjusts with your cash flow: when business is strong, you repay faster; when it slows, so does repayment. It's a product that fits businesses with strong revenue but limited credit history or collateral.

  • No fixed monthly payment, tied to actual revenue
  • Fast approval, often based primarily on bank statement review
  • Accessible to businesses with credit challenges
  • Short to medium-term structure

Term Loans

Structured financing for defined capital needs.

A term loan provides a fixed amount of capital repaid over a set schedule: monthly payments, a defined interest rate, and a clear payoff date. Term loans are well-suited for specific capital expenditures, expansion projects, or refinancing higher-cost debt into a more structured product.

  • Fixed repayment schedule with predictable monthly payments
  • Suitable for defined uses: expansion, acquisition, refinancing
  • Available through both traditional and alternative lenders
  • Longer terms available through SBA programs

Not sure which product fits?

That's exactly why we exist. Start with a conversation.

Apply Now