Product 01 / Working capital
One application.
The right lender.
See the lenders you're eligible for. Before you apply.
Answer the questionnaire, compare your lender matches, and send documents straight to the lender you choose.
One application.
One profile · Curated provider network · Free to apply · No obligation
01 / How it works
Three steps. One file.
01
Fill out the questionnaire
One short intake in the Nex portal. No lender-by-lender forms.
02
Compare your matches
Lenders that fit the file, side by side — you pick the one to proceed with.
03
Send documents to your lender
Your file goes straight to the lender you chose. Approvals land in as little as 24 hours.
Get matched
Your credit is only checked when you send your application to the lender you choose.
01 / Loan families
Which kind of business capital fits the need?
The right structure depends on what the capital must do, when it is needed, how the business earns, and what can support the request.
- Working capital & term loansA lump-sum facility can cover inventory, payroll, expansion, or a short cash-flow gap with a defined repayment schedule.
- Lines of creditA revolving facility lets you draw, repay, and reuse capital as operating needs change, while paying only for what you use.
- Growth capital for tech & SaaSVenture debt and revenue-based financing can fund growth without selling another piece of the company.
- Asset-backed & bridge loansReal estate, equipment, and other tangible assets can support time-sensitive or non-standard borrowing structures.
- Commercial real estate financingCommercial mortgages, bridge structures, and construction facilities can support eligible owner-occupied or investment-property transactions.
Product 02
Equipment financing
Finance new, used, or privately sold equipment while keeping operating cash available for the rest of the business.
Nex also arranges sale-leasebacks, equipment refinance, and repair financing — each shaped by the asset, the deal, and the business behind it.
Illustrative savings60 months
$8,001on $100,000 of equipment
- Same rate
- 8.5%
- Nex / seller fee
- 3.5% / 10%
Product 03
Invoice factoring
Convert eligible unpaid invoices into operating cash instead of waiting through the full customer payment term.
The factor advances part of the invoice, collects from your customer, then pays the rest — less its fee, as low as 1.5%.
Your rate
Monthly volume, priced.
/ mo
Type an amount or use the monthly invoice volume slider.04 / Industry fit
Where does Nex arrange commercial capital?
Nex works across asset-heavy, recurring-revenue, and inventory-led businesses. Fit is assessed from the business profile, use of funds, repayment capacity, and available support—not the industry label alone.
05 / On the record
One profile. A coordinated comparison.
- Role
- Nex connects businesses with independent financing providers and does not lend its own capital. Each provider makes its own credit decisions and issues its own terms.
- Compensation
- Nex earns a commission only when a facility funds. Any client-paid broker fee is disclosed in writing before commitment; there are no upfront application fees.
- Consent
- Your file is shared with lenders only with your consent. Your credit is only checked when you send your application to the lender you choose. Read the privacy policyand full disclosures.
- Handoff
- A Nex specialist reviews the request, explains the next documents or decisions, and remains the point of contact through lender matching.
On the record
Questions business owners actually ask.
Straight answers on amounts, speed, cost, and what we need from you.
What financing does Nex Financial offer?
Business loans are the primary route, followed by equipment financing and invoice factoring. Nex reviews the business and funding purpose before identifying suitable commercial-finance paths.
How fast can Nex Financial fund equipment?
Timing depends on the business, asset, seller, required documents, and whether an inspection or appraisal is needed. Nex confirms the expected sequence after reviewing the initial application.
How much can my business borrow?
Available amounts depend on the product, business cash flow, time in business, security, asset, or eligible receivables. Any final amount and structure remain subject to underwriting.
What does invoice factoring cost?
Factoring rates run as low as 1.5% of invoice value, depending on your monthly volume and customer quality. High-volume, complex, or concentrated books can be priced individually — ask our factoring specialist for a bespoke rate.
Can you finance used or privately sold equipment?
Yes. Nex Financial finances used equipment and private-party purchases, including sale-leaseback structures that convert equipment you already own into working capital.
When does Nex Financial review my credit?
Your credit is only checked when you send your application to the lender you choose. We collect your application first, discuss the deal with you, and review credit only once you agree to proceed with a lender match.
What do I need to apply?
Smart Apply starts with the funding need, a concise business profile, and contact details. Nex may request relevant financial statements, identification, or asset documents after reviewing the request.
Get matched with the right lender.
Business loans continue in the Nex application portal. Equipment financing and invoice factoring finish right here on-site.
Start my application