M&J
Matt & Jami Investments Direct Business Lenders

Funding Solutions for Every Stage of Growth

We offer a comprehensive range of direct lending products — structured to fit the real financial needs of operating businesses.

Equipment Financing

Power Your Operations With the Right Tools

From heavy machinery and manufacturing equipment to technology systems and commercial vehicles, we fund the assets that keep your business productive — without draining your operating capital.

Equipment financing lets you preserve cash for day-to-day needs while building the physical infrastructure your business requires to scale.

  • New and pre-owned equipment eligible
  • All industries considered
  • Terms structured around equipment lifecycle
  • Fast approval — get funded and operational quickly
Apply for Equipment Financing
Working Capital Loans

Keep Business Moving Forward, Every Day

Operational expenses don't wait for your customers to pay. Working capital loans from Matt & Jami Investments LLC give you the liquidity to cover payroll, inventory, supplier invoices, and seasonal fluctuations without missing a beat.

Whether you're bridging a gap or seizing a time-sensitive opportunity, we move fast so you never have to say no to growth.

  • Flexible use of funds — operational needs, growth, or both
  • Competitive rates for qualified businesses
  • Simple application and documentation process
  • Designed for businesses with proven revenue
Get Working Capital

Revolving Access to Capital, On Your Terms

A business line of credit gives you a pre-approved credit limit you can draw from as needed and repay on a revolving basis. It's the ultimate financial flexibility tool — available when you need it, invisible when you don't.

Stop scrambling for funding every time an opportunity arises. Have capital on standby and pay only for what you use.

  • Draw and repay repeatedly within your limit
  • Interest accrues only on outstanding balance
  • Ideal for managing cash flow gaps and opportunities
  • Can be combined with other funding products
Apply for a Credit Line
Commercial Real Estate Loans

Secure the Property Your Business Needs

Owning your space creates long-term stability and eliminates the uncertainty of renting. We provide direct commercial real estate lending for purchases, refinances, and development — with the speed and flexibility that banks often can't match.

From office buildings and retail space to warehouses and mixed-use properties, we understand commercial real estate and fund it accordingly.

  • Purchase, refinance, and bridge scenarios
  • Commercial and mixed-use properties
  • Faster closings than traditional bank financing
  • Flexible underwriting for diverse income situations
Explore Real Estate Lending

Turn Outstanding Invoices Into Immediate Cash

If your business deals with net-30, net-60, or net-90 payment terms, you know the frustration of waiting months to access revenue you've already earned. Invoice factoring converts those receivables into cash — fast.

Rather than taking on debt, you're simply accelerating your existing revenue. It's a powerful tool for B2B companies, contractors, staffing firms, and any business with reliable commercial receivables.

  • No new debt added to your balance sheet
  • Advances on verified commercial invoices
  • Scalable — factor more as your revenue grows
  • Ideal for B2B and government contractors
Learn About Factoring
SBA Loan Assistance

Navigate Government-Backed Financing With Expert Guidance

SBA loans offer some of the most competitive rates and terms available to small businesses — but the process can be complex. Our team helps you identify the right SBA program, prepare your application, and maximize your chances of approval.

We work alongside you every step of the way, turning a notoriously complicated process into a manageable path to affordable capital.

  • SBA 7(a) and SBA 504 guidance
  • Application preparation and documentation support
  • Identify the right program for your situation
  • Expert navigation of SBA requirements
Get SBA Guidance

Repay in Proportion to Your Revenue

Revenue-based financing provides capital in exchange for a percentage of your future revenue — meaning your repayment scales with your business performance. When revenue is strong, you pay more. When it's slower, you pay less.

It's a flexible alternative to fixed loan payments, particularly well-suited to businesses with seasonal or variable income.

  • Payments tied to actual business performance
  • No fixed monthly payment pressure
  • Ideal for seasonal or growing businesses
  • No equity or ownership given up
Explore Revenue Financing

General Eligibility Guidelines

Time in Business

Most programs are available to businesses operating for 6 months or more. Some products require 1-2 years of operating history.

Monthly Revenue

Minimum revenue thresholds vary by product. Working capital and lines of credit typically require demonstrated monthly revenue.

U.S.-Based Business

We fund businesses operating in most U.S. states. Your business must be registered and actively operating in the United States.

Find the Right Funding for Your Business

Not sure which product is right for you? We'll talk through your situation and recommend the best path forward.

Start the Conversation