From working capital to equipment financing — we have flexible funding options designed to move at the speed of your business.
Every program below is available directly through Metzger Financial Services — no brokers, no middlemen.
Working capital is the lifeblood of day-to-day business operations. Our working capital loans give Ohio businesses immediate access to funds for payroll, inventory management, supplier payments, and operational continuity. Whether you're navigating a slow season or seizing a sudden growth opportunity, our working capital solutions provide the financial bridge you need — without surrendering equity or disrupting long-term strategy.
Revenue-based financing aligns your repayment with your business's actual performance. Instead of fixed monthly payments that strain cash flow during slower periods, you repay a percentage of revenue — so when business is slower, you pay less. This flexible structure is ideal for businesses with consistent revenues that experience seasonal variation, and for businesses that want capital without the rigid terms of traditional loans.
Acquire the machinery, vehicles, technology, or specialized equipment your business needs to operate and grow — without depleting working capital. Our equipment financing programs allow you to preserve cash while building the productive assets that drive revenue. We finance new and used equipment across all major industries, including manufacturing, construction, transportation, healthcare, and professional services.
When your business is ready to grow — opening a second location, entering a new market, or scaling operations — you need a funding partner who believes in your potential. Our business expansion loans provide substantial capital with structured repayment designed to align with the timeline of your growth initiative. We evaluate your complete business picture, not just a snapshot credit score.
A business line of credit gives you on-demand access to funds up to a pre-approved limit. Draw what you need, when you need it, and pay interest only on what you use. As you repay, your available credit replenishes — creating a flexible, revolving capital source that supports both planned and unexpected business needs. Ideal for managing cash flow gaps, responding to opportunities, or covering recurring expenses.
Small Business Administration loans offer some of the most competitive rates and longest repayment terms available to U.S. businesses. Navigating the SBA application process can be complex — our team guides you through every step, from gathering documentation to matching you with the right SBA program (7(a), 504, or microloans) for your situation. We help Ohio businesses access this powerful federal resource efficiently and successfully.
We evaluate each application individually. These are general guidelines — many businesses qualify even if they don't meet every threshold.
Most programs require at least 6 months of operating history. Exceptions may apply for established businesses with strong revenue.
We look for consistent monthly revenue as a baseline indicator of business health and repayment capacity.
We consider the full business picture — credit score is one factor, not the determining factor. Strong revenue can offset credit challenges.
* Individual program requirements vary. Contact us for a personalized eligibility review. Not all applicants will qualify for all programs. Approval is subject to underwriting review.
Our streamlined process gets you from inquiry to funded — often in as little as 24–72 hours.
Complete our simple contact form with basic business information. No lengthy paperwork at this stage.
Our team reviews your information and contacts you — often the same day — with pre-qualification options.
We evaluate your application thoroughly and present you with clear, transparent funding terms. No surprises.
Upon acceptance, funds are typically delivered to your business bank account within 24–72 business hours.
Our team is ready to help you identify and access the capital that fits your unique business needs and goals.
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