Straight answers and real options, so you can bridge the gap and keep your business moving.
Tillspan is a business funding broker, not a lender.
The right funding depends on how soon the money comes back. Pick your moment: we'll say what fits, or why it's better to wait.
Payroll's Friday. Your biggest customer pays in 60 days.
What fits An advance
A lump sum now, repaid from your sales over the coming months.
When to wait If a bank line you already have can cover it. It costs less.
The walk-in cooler just died. You can't open without it.
What fits An advance
The repair paid now, repaid from the sales that keep coming in.
When to wait If it's a replacement that can wait: equipment financing costs less.
A big order just came in. You need the stock first.
What fits An advance
A lump sum for the stock now, repaid from the sales it brings in.
When to wait If the margin can't carry the payback. Ask your supplier for terms.
January's slow, every year. The bills aren't.
What fits A line of credit
Set it up before the slow months, then draw only what you need.
When to wait If sales are falling, not just seasonal. Funding won't fix that.
The space next door just came up for lease.
What fits Bank or SBA funding
It pays back over years, so it needs longer terms than an advance.
When to wait Until a bank or the SBA says no. Slower to get, but it costs less.
Two advances' daily payments are eating your sales.
What fits A reset first
Ask your funder to match payments to sales, if your contract allows.
When to wait If it's only to pay the old ones. Near a default? See an attorney first.
One short application. Then we do the legwork, and every decision stays yours.
Before you sign
You
One short application: what the money's for, your business, and how to reach you. No documents yet, and no obligation.
Tillspan
We ask what you need and by when, then say plainly what's realistic. If it isn't a fit yet, we tell you what would change that.
You
Three or four months of business bank statements, your ID and a voided check, through a secure link. Never by email or text.
Tillspan
Funders decide, and each has its own rules. Your file goes only to the ones whose rules fit your business.
The funder
Each offer comes back laid out in writing, number by number, and we go through every one with you.
You
Sign with one funder when you're ready, or with none. Nobody rushes you.
After you sign
The funder
The funder confirms the details with you on a call, then sends the money to your business account.
Tillspan
The same person is there after you're funded.
Costs depend on the funder and your file. So we lay every offer out on one sheet: the same ten lines, in the funder's own numbers.
Every number is the funder's own, copied exactly.
Funders buy a share of your future sales, so they look for a business that's already selling. Press your trade for a straight answer.
Restaurants : We help. A slow month, or a cooler to replace. Funders like this trade.
Retail stores : We help. Stock ahead of the busy season. Funders like this trade.
Salons : We help. New chairs, or a quiet month. Funders like this trade.
Auto repair : We help. New equipment, or a slow week. Funders like this trade.
Medical and dental : We help. Waiting on insurance to pay. Funders like this trade.
HVAC, plumbing, electrical : We help. Payroll and materials between jobs. Funders like this trade.
E-commerce : We help. Inventory ahead of a season. Funders like this trade.
Wholesale : We help. A big order needs stock first. Funders like this trade.
Manufacturing : We help. Materials before customers pay. Funders like this trade.
Construction : Harder. Fewer funders take it, and those that do ask more of it. We'll say plainly what's realistic.
Trucking : Harder. Fewer funders take it, and those that do ask more of it. We'll say plainly what's realistic.
Other trades : Ask us. Selling every month? Ask us about yours. A few, like auto sales and cannabis, are harder.
No sales yet : Not yet. Funders need a business that's already selling. Starting out? Ask about SBA microloans or a local CDFI.
We'll say if it isn't a fit.