Business Loans and Revolving Lines of Credit

    Capital When It Counts

    APPLY ONLINE

    Your information is kept private and reviewed directly — not distributed to multiple lenders.

    Work With One Advisor — Not a Lead Marketplace

    Most online funding platforms send your information to multiple lenders, which can result in constant calls, emails, and pressure.

    At Jonicki Capital Consulting, we do things differently.

    • You work directly with one advisor from start to finish
    • Your information is not blasted out to multiple lenders
    • We evaluate your business and match you with the best-fit lender

    Our goal is not to create noise.

    It's to help you secure the right financing with the right partner.

    Ready to Take Your Business to the Next Level?

    When Opportunity Knocks, Be Ready.

    • •Been denied by a bank?
    • •Banks spent 16 quarters tightening their lending criteria. We work with industry specific lenders that understand your business.
    • •Tired of complicated applications and slow responses?
    • •We use industry specific lenders who know your industry and can move faster with less paperwork.
    • •Need funding to cover payroll, inventory, or expansion (including franchises)?
    • •Growth Deserves the Right Financial Partner.

    We specialize in helping businesses secure a working business line of credit.

    See What You Qualify For in Minutes

    *No documentation needed at this time. This is just a quick assessment.

    Size Does Matter For Growth!

    Larger Loan Amounts, Longer Terms & Big Rewards

    When comparing business lenders, SIZE DOES MATTER! Big projects usually mean big upfront investments — something you can't get from a merchant cash advance. If you've got big plans for your business, we have financing that's the perfect fit. You can now borrow up to $1,500,000 with terms up to 36 months to fund those projects while keeping your costs low.

    Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won't interfere with your cash flow!

    Our Loans
    Merchant Cash Advance
    Avg. Loan Size
    $120,000
    $20,000
    Max Term
    36 Months
    12 Months
    Max Loan Amount
    $1,500,000
    $150,000
    APPLY NOW

    *Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.

    Industry-Leading Loan Products

    BANKROLL

    Ultimate Revolving Line of Credit

    Your business is always evolving — and so should your financing. BANKROLL provides maximum loan approval, fixed terms up to 36 months, and fixed weekly payments, plus the flexibility to pay down or draw funds on an unlimited basis.

    IO-BANKROLL

    Interest-Only Revolving Line of Credit

    All the great benefits of Bankroll coupled with an interest-only period of up to 1 year. Clients can enjoy unlimited draws and partial principal paydowns — and only pay the interest for up to a year.

    We Support Your Industry

    We can help most industries find the funding they need. If you don't see your industry below, please feel free to reach out or apply and provide your last 3 months of business bank statements. You won't get spammed with 50 different phone calls — we handle all our clients ourselves. You'll get one phone call focused on assisting your business.

    Restaurants & Hospitality
    Manufacturing
    Retail & Hardware
    Grocery & Pharmacy
    Medical & Veterinary
    Wholesale & Distribution
    Plumbing, Electrical & HVAC
    Auto Repair & Service
    Investment Real EstateCall for different application process

    Deal Spotlight

    Real businesses. Real funding. Real results.

    Interior of a modern nail salon

    Nail Salon $120,000 FUNDED

    This business owner needed $100,000 and qualified for $120K. They elected to take the $100K and leave the remaining $20,000 in their line of credit. Now they have a bank of money set aside that they aren't paying on, ready for them when they need it. And as they pay off their loan, their LOC will continue to grow.

    Salon • FICO 601+ • 4 Years TIB • $1.3M Annual Sales

    Waterfront restaurant patio seating at sunset

    Waterfront Restaurant $250,000 FUNDED

    Restaurants that proactively plan for seasonal slowdowns — such as hurricane season in Miami — can position themselves ahead of the curve.

    Restaurant • FICO 701+ • 8 Years TIB • $11M Annual Sales

    Electrical company crew at work

    Electrical Company is Lighting Up Its Business

    When a business is in growth mode, they want working capital ready for when they need it. That's why a flexible revolving line of credit works so well for this electrical company. They were approved for $250K and took the full amount on their first draw. As they pay down their loan, funds will be available to draw again during the revolving period.

    Electrician • FICO 651+ • 5 Years TIB

    Modern manufacturing facility with production equipment

    $350K Manufacturing Loan Approved

    A specialized manufacturing company was in need of a high-dollar loan that they couldn't secure at a traditional bank or lender in a timely manner. Our lender was able to provide a $350K revolving line of credit to the client.

    Manufacturing • FICO 701+ • 16+ Years TIB • $2.5M Annual Sales

    Upscale hotel entrance at dusk with palm trees

    Hotel Chain $300,000 FUNDED

    A well-known hotel chain was in need of working capital. The deal was approved for $300,000 and the client took the full amount in their first draw.

    Hospitality • FICO 701+ • 8 Years TIB • $1.8M Annual Sales

    Modern restaurant interior with warm lighting

    Restaurant $250,000 FUNDED

    A recent restaurant deal was approved for $250,000 and the client elected to take $200,000 for their first draft. This leaves $50,000 for the client to access in their line of credit, which will build with their paydown of the first draw.

    Restaurant • FICO 701+ • 3 Years TIB • $2.5M Annual Sales

    Interior of a modern nail salon

    Nail Salon $120,000 FUNDED

    This business owner needed $100,000 and qualified for $120K. They elected to take the $100K and leave the remaining $20,000 in their line of credit. Now they have a bank of money set aside that they aren't paying on, ready for them when they need it. And as they pay off their loan, their LOC will continue to grow.

    Salon • FICO 601+ • 4 Years TIB • $1.3M Annual Sales

    Waterfront restaurant patio seating at sunset

    Waterfront Restaurant $250,000 FUNDED

    Restaurants that proactively plan for seasonal slowdowns — such as hurricane season in Miami — can position themselves ahead of the curve.

    Restaurant • FICO 701+ • 8 Years TIB • $11M Annual Sales

    Electrical company crew at work

    Electrical Company is Lighting Up Its Business

    When a business is in growth mode, they want working capital ready for when they need it. That's why a flexible revolving line of credit works so well for this electrical company. They were approved for $250K and took the full amount on their first draw. As they pay down their loan, funds will be available to draw again during the revolving period.

    Electrician • FICO 651+ • 5 Years TIB

    Modern manufacturing facility with production equipment

    $350K Manufacturing Loan Approved

    A specialized manufacturing company was in need of a high-dollar loan that they couldn't secure at a traditional bank or lender in a timely manner. Our lender was able to provide a $350K revolving line of credit to the client.

    Manufacturing • FICO 701+ • 16+ Years TIB • $2.5M Annual Sales

    Upscale hotel entrance at dusk with palm trees

    Hotel Chain $300,000 FUNDED

    A well-known hotel chain was in need of working capital. The deal was approved for $300,000 and the client took the full amount in their first draw.

    Hospitality • FICO 701+ • 8 Years TIB • $1.8M Annual Sales

    Modern restaurant interior with warm lighting

    Restaurant $250,000 FUNDED

    A recent restaurant deal was approved for $250,000 and the client elected to take $200,000 for their first draft. This leaves $50,000 for the client to access in their line of credit, which will build with their paydown of the first draw.

    Restaurant • FICO 701+ • 3 Years TIB • $2.5M Annual Sales

    Not Sure Where to Start?

    Pick the path that fits where you are right now. Both options connect you directly with Jonicki Capital.

    Explore Your Options

    See what financing options you may qualify for with just a few questions. No documents are needed to get started.

    Ready to Apply?

    Already know you're ready to move forward? Complete our secure application and provide your three most recent business bank statements so we can get to work.

    START MY APPLICATION

    *Please have business information and the last 3 months of bank statements handy. Application only takes ten minutes.