Stretch Finance Products

At Stretch Finance, we help founders stretch across gaps, seize opportunities, and harness momentum. Current product offerings include:

  1. Sales-based Advance (the “Stretch Advance”): This product is structured as a Purchase and Sale of Future Receivables, allowing qualified businesses to receive upfront capital in exchange for a portion of their future receivables.
  2. Promissory Loan (the “Stretch Loan”): This product is structured as a Promissory Note, providing qualified businesses with a lump sum of capital, repayable in fixed installments over a defined term.

Each product is thoughtfully engineered to give your business the financial runway it needs—without requiring you to give up equity. Apply today and access the capital needed to propel your business into its next stage of growth.

The above-listed Stretch Finance Products are intended strictly for commercial use. Financing is not available to individuals for personal, family, or household purposes. Stretch Finance currently accepts applications from registered business entities located in the following states: Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), Colorado (CO), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Washington (WA), West Virginia (WV), Wisconsin (WI), and Wyoming (WY). Stretch Finance does not currently offer any other financing products or loan services in California (CA), Connecticut (CT), Utah (UT), and Virginia (VA). All products are subject to underwriting and applicable state regulations.

Use Cases:

  • Seasonal inventory builds
  • Deposits to suppliers
  • Fulfilling large or time-sensitive purchase orders
  • Strategic hiring
  • Bridging to equity raises or liquidity events
  • Expanding into new geographies
  • Equipment upgrades or infrastructure projects
  • Bulk purchasing for margin optimization
  • Partner buyouts or restructuring needs
  • Managing gaps between AR and AP cycles

What We Look For…

  • Predictable cash flows and revenue visibility
  • Strong profit margins or a clear path to profitability
  • Industry leadership and experienced management
  • A minimum of 6 months in operation.
  • Operations in the U.S., Canada, or U.K.

Have a scenario to discuss? Call us at (855) 227-9371 or email us [email protected].