Speed
We move on your timeline, not a committee's. Most files get a real answer in days, because we already know which lender says yes to which file.
About Creative-Fi
Creative financing solutions, in a world where financing is anything but creative.
Every lender underwrites to its own checklist, and your business either fits it or it doesn't. Creative-Fi is a commercial finance broker built to work the other direction: we structure the file around your needs, then take it to the lenders whose appetite actually fits.
Broker vs. one lender
A bank can only say yes to the files it wants.
Nothing here is a knock on banks. Every lender has an appetite, and that appetite is set by its own portfolio, regulators, and geography, not necessarily by the quality of your business. A decline is a statement about one credit box. It is not a statement about the market.
01
Industry appetite is narrow
A lender that has filled its book on trucking, restaurants, or construction stops writing in that sector, no matter how strong the next file is. Some industries never fit a given bank’s policy at all.
With Creative-Fi
We know which lenders are actively writing in your industry this quarter, and we take your file to those, not to the ones that will pass on principle.
02
Geography drives decisions
Many institutions concentrate on larger metro markets, where comparable sales, appraisals, and property data are easy to support. Secondary and rural markets get slower attention and tighter terms.
With Creative-Fi
Our network includes national and specialty lenders who underwrite outside the top metros and don’t treat your market as an exception.
03
Credit boxes are pass or fail
A bank compares your file to a checklist. One item outside policy, an add-back, a partial year, an unusual collateral mix, and the file stops moving. Nobody restructures it for you.
With Creative-Fi
We structure the file before it goes out, and if one lender’s policy blocks it, we take it to a partner whose policy doesn’t.
04
One relationship, one answer
Your bank can only offer what it holds on its balance sheet, and it has concentration limits on how much it will lend one borrower or one sector. When you outgrow that, the answer is no.
With Creative-Fi
You keep one point of contact and get the reach of a network of 100+ banks, leasing companies, real estate lenders, and specialty funding sources.
The alternative most owners find on their own is a merchant cash advance: fast, easy to get, and expensive enough to eat margins for months. Placing the file properly the first time is the point of using a broker.
All financing is subject to lender credit approval. No approval is offered or implied.
Loan types
Every structure we can place.
Twelve products across four programs. Timelines are typical, not guaranteed, and vary by lender and file.
Working Capital
2–4 weeksTerm loan
A lump sum with a fixed rate and fixed monthly payment. No daily or weekly debits against your account.
Line of credit
Draw what you need, when you need it, and pay interest only on the balance you use.
SBA 7(a)
Government-backed, with the longest terms and lowest cost available to qualifying businesses.
Equipment
2–4 weeksEquipment finance agreement
New or used equipment financed up to 100%, with no money down in most structures.
True lease
A lower monthly payment, with the option to buy, renew, or return the equipment at the end.
Sale-leaseback & refinance
Turn equipment you already own into working capital, or lower the payment on equipment debt you carry.
Commercial Real Estate
2–8 weeksSBA 504
A lower down payment and a long fixed rate on the SBA portion, for owner-occupied property.
Acquisition & refinance
Conventional financing for owner-occupied or investment property, with more structural flexibility.
Bridge & construction
Close on a time-sensitive deal now, or build ground-up and convert to permanent financing later.
Asset Based
Days once approvedReceivables financing
Borrow against invoices you've already issued, and keep collecting from your customers yourself.
Factoring
Sell outstanding invoices for immediate cash instead of waiting on payment terms.
Merchant cash advance
An advance against future card or bank sales, repaid as a set percentage of revenue.
Who we are
A broker, not a bank.
Creative-Fi doesn't hold a balance sheet, and we're not trying to be your only banking relationship. We're the team that shops your file across a network of national banks, leasing companies, commercial real estate lenders, and specialty funding sources, then brings back the structure that actually fits.
That's the whole model: one relationship on your end, many lenders working the file behind the scenes. You get more options than walking into a single branch, and none of the runaround of calling ten lenders yourself.
We work across four product lines: working capital, equipment leasing, commercial real estate, and asset based lending. Most businesses' capital needs don't sort neatly into one box, and neither should the answer.
What makes it different
Speed, structuring, and someone who picks up.
Structuring
The right structure changes the outcome. We present your business accurately and completely, then match it to the lenders whose terms fit what you are trying to do.
Personal guidance
You get a specialist, not a call center. One person who knows your file, explains your options in plain language, and tells you honestly when something isn't a fit.
Who we serve
Established businesses with a real plan.
Creative-Fi works best with businesses that have some history behind them and are ready to put capital to work.
Established operating history
Typically 5+ years in business. Newer companies may still qualify with a strong personal guarantee.
Real revenue
Usually $1M+ in annual revenue. Creative-Fi is built for substance, not survival financing.
Clean commercial credit
A healthy business credit profile and comparable trade debt strengthen almost every structure we arrange.
Our story
Why Creative-Fi exists.
Too many good businesses hear no from a bank. Not because they aren't creditworthy, but because their file doesn't fit inside one lender's checklist. So they turn to a merchant cash advance instead, and pay for speed with a rate that eats their margins for months afterward.
Creative-Fi was built to close that gap. Instead of representing one bank's product line, we built a network of 100+ lenders: banks, leasing companies, real estate lenders, and specialty funding sources.
We're results based. With 100+ lenders working alongside us, we get deals done that others can't, and we get them done fast.
Start here
See what you'd actually qualify for.
The first step is a short conversation. No documents, no credit pull, no obligation.