Funding Solutions
TMO Industries Inc offers a full suite of direct lending solutions for businesses at every stage of growth.
Core Lending Products
Every product is originated and funded directly by TMO Industries Inc — no broker network, no hidden referral chains.
Working capital is the operational backbone of your business — the capital that keeps inventory stocked, payroll covered, and vendors paid. TMO's working capital loans deliver fast, flexible funding so your business never loses momentum due to cash flow gaps.
We evaluate your business's revenue history and future potential, not just a credit score. This means more businesses qualify and receive the working capital they genuinely need.
Revenue-based financing aligns repayment with your actual business performance. Instead of fixed monthly payments that strain you during slow periods, repayments flex proportionally with your revenue — so the funding structure adapts to your reality.
Ideal for businesses with strong revenue but seasonal fluctuations, growing customer bases, or those who need financing that won't lock them into rigid repayment structures during unpredictable cycles.
Your equipment is the engine of your business. Equipment financing from TMO Industries lets you acquire the machinery, vehicles, technology, and tools your operation requires — without depleting working capital or surrendering equity.
The equipment itself serves as collateral, which means more competitive terms and qualifications for businesses that might not otherwise access traditional financing.
For businesses with specific capital requirements — an acquisition, a major expansion, facility improvements, or significant hiring — term loans provide structured funding with a clear repayment schedule you can plan around.
TMO's direct lending model means you receive competitive rates with the speed of a private lender and none of the bureaucracy of institutional finance.
Additional Products
Stop waiting on net-30 and net-60 payment terms. Convert outstanding invoices into immediate capital to maintain operational momentum while your clients process payments.
A revolving credit facility that gives you access to capital when you need it. Draw only what you need, pay it back, and borrow again — the most flexible ongoing funding solution.
New businesses face unique capital challenges. We offer tailored funding programs for businesses with limited operating history that are showing strong early revenue and growth potential.
Do You Qualify?
TMO Industries Inc funds businesses across all industries throughout the United States. Our qualification requirements are designed to be accessible without sacrificing underwriting quality.
Apply today — decisions in hours, funding within 48 hours of approval.