Pallas Credit Funding underwrites against your receivables, assets and cash flow — not just a credit score. We close bridge, growth and asset-backed facilities that banks take months to approve.
Every facility is built around the asset that actually secures it — invoices, real estate, equipment or projected cash flow — so pricing reflects your real risk, not a generic tier.
Short-term capital to cover a gap between a known liquidity event and today — an acquisition, a refinance, or a receivable that hasn't landed yet.
Term financing for companies with a proven revenue base that need working capital to fund inventory, hiring or a new location.
Advance against outstanding invoices so cash isn't sitting on your balance sheet waiting on a customer's payment terms.
Term loans secured by commercial property, equipment or owned inventory, for companies expanding their physical footprint.
The same team that underwrites your file stays on it through closing — you are never handed off to someone new mid-process.
A 20-minute conversation about your business, the capital need, and the asset behind it. No application required yet.
We review financials, receivables aging or collateral valuation and return a term sheet — usually within 3 business days.
Our closing team runs verification and drafts the facility documents in parallel, so nothing sits idle waiting on paperwork.
Funds are wired at closing. For revolving facilities, your draw schedule is live the same day.
Adjust the inputs below for a rough sense of what a facility could look like. A real term sheet is built from your actual financials, not a slider.
Collateral and cash flow drive the decision before a credit score does — most of our borrowers wouldn't qualify at a traditional bank yet.
We disclose exactly how a facility interacts with your existing debt, so you're never surprised by a subordination clause after closing.
One analyst and one closer are assigned to your file from intake through funding — not a rotating queue.
Every facility can be paid down or closed out ahead of schedule without prepayment fees.
“Our bank needed six weeks just to schedule a review. Pallas had a term sheet in three days and funds in our account inside two weeks.”
“The receivables line freed up enough cash that we stopped turning down large orders because of payment terms.”
“What stood out was that the same analyst who underwrote us was still the person we called eighteen months later to renew.”
Often, yes. A bank decline is usually about credit-score thresholds or a lack of collateral fit for their model — not necessarily about the underlying strength of your business. We look at the asset and the cash flow directly.
Most facilities require at least six months of operating history with verifiable revenue. Asset-backed real estate and equipment facilities can work with newer entities if the collateral itself is strong.
No. Intake calls and initial underwriting are free. Fees only apply once you accept a term sheet and move into diligence, and every fee is itemized in that term sheet before you sign anything.
Yes — a receivables line and a term facility can often sit side by side, as long as the collateral behind each is clearly separated. We'll flag any conflict during underwriting rather than after closing.
Our core programs are built for U.S.-registered operating companies. For cross-border structures, reach out directly — we evaluate these on a case-by-case basis.
Send a short note on your business and funding need, or reach out directly — an analyst will follow up within one business day.