Tesni Financial connects businesses with flexible working capital solutions, business lines of credit, and short-term financing options nationwide.
Tesni Financial is your trusted partner for working capital and business credit solutions across the United States. As experienced business financing specialists, we understand that cash flow is the lifeblood of any business, and we're here to provide the flexible financing solutions you need to manage operations, seize opportunities, and grow.
Whether you need a business line of credit for ongoing working capital needs, short-term financing for inventory purchases, or flexible funding for seasonal fluctuations, Tesni Financial has the expertise and lender relationships to secure the financing you need. Our team works with over 200 approved lenders nationwide to ensure you get the most competitive rates and favorable terms for your working capital needs.
With over 15 years of experience in business financing, Tesni Financial has helped secure over $500 million in working capital and business credit solutions for thousands of businesses nationwide. Our expertise in flexible financing ensures you get the right solution for your specific cash flow needs.
Flexible credit lines for working capital, inventory, equipment purchases, and business expansion needs through our lending partner network.
Short to medium-term business loans specifically designed for working capital needs, inventory purchases, and operational expenses with predictable monthly payments.
Innovative financing based on your business revenue with flexible repayment that adjusts with your cash flow. Perfect for businesses with strong revenue but variable monthly income.
Quick access to capital for immediate business needs, seasonal inventory, emergency expenses, and short-term cash flow challenges.
Our team specializes in working capital solutions with over 15 years of experience helping businesses manage cash flow and secure flexible financing.
Get pre-approved in 24-48 hours and receive funding in as little as 3-7 business days for urgent working capital needs.
Multiple financing options with varying qualification requirements to match your business profile and credit situation.
Our extensive lender network ensures you get the most competitive rates and terms available for your working capital needs.
Each client receives a dedicated working capital specialist who understands your business needs and provides ongoing support.
Tesni Financial charges no upfront fees for working capital services. We only get paid when your financing successfully funds.
Stay informed with the latest working capital strategies, cash flow management tips, and financing insights from Tesni Financial's team of business financing experts.
Comprehensive analysis of business lines of credit versus term loans. Learn which financing option is best for your business needs, including rates, terms, qualification requirements, and strategic use cases.
Master working capital management with proven strategies for cash flow optimization, inventory management, accounts receivable, and seasonal business financing solutions.
Step-by-step guide to securing a business line of credit including qualification requirements, application process, documentation needed, and tips for approval.
Explore short-term business financing options including merchant cash advances, invoice factoring, and bridge loans. Learn when each option makes sense for your business.
Comprehensive guide to seasonal business financing including working capital loans, lines of credit, and inventory financing for businesses with seasonal fluctuations.
Learn about revenue-based financing as an alternative to traditional loans. Understand how it works, qualification requirements, and whether it's right for your business.
Working capital is the short-term funding used to cover day-to-day business operations including inventory, payroll, rent, and other operational expenses. Businesses need working capital to bridge gaps between accounts receivable and accounts payable, manage seasonal fluctuations, and take advantage of growth opportunities.
A business line of credit provides access to funds up to a predetermined limit, similar to a credit card. You only pay interest on the amount you use, and as you repay the balance, the credit becomes available again. This provides flexibility to draw funds when needed and repay when cash flow improves.
Requirements typically include a minimum credit score of 600+, at least 6 months to 2 years in business, minimum annual revenue of $100,000+, positive cash flow, and basic business documentation. Specific requirements vary by lender and loan program, with some alternative options having more flexible criteria.
Tesni Financial can provide pre-approval for working capital in 24-48 hours. Funding typically occurs within 3-14 days depending on the loan type and lender requirements. Some alternative financing options can fund within 24-48 hours for urgent business needs.
Working capital loans provide a lump sum with fixed monthly payments over a set term, while business lines of credit provide ongoing access to funds that you can draw and repay as needed. Lines of credit offer more flexibility, while term loans provide predictable payments and often lower rates.
Yes, Tesni Financial works with lenders who specialize in working capital for businesses with credit challenges. While options may be more limited and rates higher, there are programs available including revenue-based financing, asset-based lending, and alternative working capital solutions for businesses with credit scores as low as 500.
Working capital can be used for inventory purchases, payroll, rent, utilities, marketing, equipment, accounts payable, seasonal expenses, emergency costs, and general business operations. Most working capital loans have flexible use requirements, though some lenders may have specific restrictions.
Working capital amounts typically range from $10,000 to $2 million based on your business revenue, credit profile, and cash flow. Many lenders use a percentage of annual revenue (often 10-20%) to determine maximum loan amounts. Your specific qualification will depend on your business's financial strength and the lender's criteria.
Revenue-based financing provides upfront capital in exchange for a percentage of future revenue until a predetermined amount is repaid. Payments fluctuate with your revenue - higher during good months, lower during slower periods. This provides flexibility for businesses with variable income streams.
No, Tesni Financial does not charge any upfront fees for our working capital services. We are compensated by the lender only when your financing successfully funds, ensuring our interests are aligned with yours throughout the process. This means we're motivated to get you approved and funded quickly.
The best working capital option depends on your specific needs, cash flow patterns, and qualification profile. Lines of credit are ideal for ongoing, variable needs. Term loans work well for specific projects or purchases. Revenue-based financing suits businesses with fluctuating income. Our specialists will help you choose the best option.
Yes, many businesses maintain multiple working capital facilities for different purposes. You might have a line of credit for ongoing needs, a term loan for equipment, and seasonal financing for inventory. Each facility will be evaluated based on your business's total debt capacity and ability to service all obligations.
Contact Tesni Financial today for a free consultation and competitive rate quote on your working capital needs. Our experts are standing by to help you secure the flexible financing you need.
