Business Loans & Advising

Fuel Your Business.

Build Your Freedom.

I’ve been helping businesses and investors get funded and grow for over a decade. It’s all about freedom, strategy, and full-throttle results.

With a degree in Business Management (Entrepreneurial Studies), 8+ years on business advisory boards, a business plan competition win, and years judging business plans, and speaking on business and investment topics, I know what it takes to build, fund, and scale a business.

Whether you’re just starting out, expanding, or restructuring, I’ll connect you with the right funding and provide advising that helps you maximize every dollar. That way you can focus on what really matters: growing your business and living life your way.

Schedule An appointment

Email

kristi@saltylittlething.com

Serving

The USA

Hours

Monday-Friday:
8am – 5pm CST 

By Appointment

Business loan programs

Capital That Let’s You Sail

Whether you’re launching a startup, scaling an existing company, or investing in real estate, I connect you with smart funding solutions tailored to your goals. From unsecured business credit to multi-million-dollar commercial loans, I help entrepreneurs and investors access the capital they need to grow, fast, flexible, and designed around freedom.

Unsecured Business Funding (UBF / Capital Stacking)

Perfect for startups or early-stage businesses. No proof of income required.

  • Up to $200K

  • 0% interest for 9–18 months

  • Build business credit while accessing capital

Hybrid Program

Best of both worlds: business credit + personal term loans.

  • $250K+ in funding

  • 0% intro on business credit / 5.25%+ on term loans

  • Flexible 3–7 year terms

Personal Funding

Fast cash for investors with strong credit + W2/1099 income.

  • $300K individual / $500K household

  • 2-week funding timeline

  • 3–10 year terms

Business Term Loan

Traditional-style financing for expansion, equipment, or working capital.

  • Up to $10M

  • 1–2 year terms

  • 3-day+ funding timeline

Business Line of Credit (LOC)

Flexible capital you can draw on as needed.

  • Up to $750K

  • Same-day funding possible

  • Only pay on what you use

Equipment Funding

Get the equipment you need without draining cash flow.

  • $10K–$5M

  • 1–5 year terms

  • Leasing & financing options

Merchant Cash Advance (MCA)

Revenue-based funding. Great for businesses with strong sales but challenged credit.

  • Up to $5M

  • Same-day funding possible

  • Paid back via % of sales

Real Estate Funding (for Businesses & Investors)

Commercial & investment properties (not primary homes).

  • Property values $100K+

  • Fix & flip, buy & hold, multi-family, new construction

  • DSCR, cash-out refi, development deals

Your First Mate in Funding & Growth

Why Work With Me?

  • A decade of real-world investing & business experience

  • Access to nationwide lending programs + creative funding solutions

  • Strategic advising to help you use funding wisely

  • A partner who understands both the numbers and the lifestyle you’re building

Business Advising (Retainer Services)

  • One-on-one advising for entrepreneurs and investors

  • Strategy sessions to structure, grow, and scale your business

  • Insights from years on advisory boards + my own investment experience

  • Accountability & guidance so you’re not navigating blind

Let's Talk

Let’s chat

Send me a message.

Book a business strategy session or funding request.

Let's Talk