Line of Credit
Flexible revolving access to capital.
- Amount
- $10,000–$5 Million
- Terms
- 6 months–3 years
- Funding
- 1–3 days
Business financing
Funding options to move your business forward.
Explore working capital, equipment financing, SBA loans, commercial real estate financing and other business funding programs.
Applications are processed through our funding partner, Kinetik Capital. DRES helps you understand the programs available and connects you with the right application.
Questions? Talk with an account specialist
Financing programs
Business financing for companies that need capital to operate, purchase equipment, expand or invest. Choose the program that fits and continue to the secure application.
Featured program
Equipment Financing
Finance machinery, vehicles and other business equipment — or explore capital from equipment you already own.
- Rates
- Single-digit rates
- Terms
- 3–10 years
- Funding
- 2–7 days
Term Loan
Financing for expansion, purchases, consolidation and other business needs.
- Amount
- $10,000–$5 Million
- Terms
- 6 months–3 years
- Funding
- 1–3 days
Merchant Cash Advance
Fast working-capital access for businesses where speed matters.
- Amount
- $10,000–$2 Million
- Terms
- Up to 36 months
- Funding
- Same-day available
SBA Loans
SBA 7(a) and 504 programs for working capital and fixed assets.
- Amount
- Up to $15 Million
- Terms
- 10–25 years
- Funding
- 14–60 days
Real Estate Loans
Commercial and qualifying investment-property financing.
- Purchase & Refinance
- Fix & Flip / Bridge
- Construction, including ground-up
Startup Business Loans
Options for pre-revenue and newer businesses.
- 680 credit score required
- Cosigner may be permitted
Program amounts, terms, rates and funding timelines are provided by our funding partner and depend on the business, the request and underwriting. Availability varies and is not guaranteed.
Equipment sale-leaseback
Already own business equipment?
Your existing equipment may be another source of capital.
Some businesses may be able to use equipment they already own through a sale-leaseback structure — which may offer an alternative to more expensive short-term financing.
01You own qualifying equipment.
02The equipment is purchased.
03The business leases it back.
04The business receives capital while keeping use of the equipment.
Eligibility depends on the equipment, the business and underwriting. Structures and outcomes vary; no particular payment, rate or savings result is implied.
Considering the alternatives
Thinking about taking another MCA?
Before taking another daily or weekly payment, see what other options may exist.
Depending on the business, equipment, credit profile and financing need, another structure may be available.
Equipment financingSale-leasebackTerm financingLine of creditSBA financing
We also offer merchant cash advance. Which structure fits depends on the business and underwriting.
SBA & commercial property
Tired of renting your business location?
Explore financing to purchase commercial property.
For qualifying businesses, SBA and other commercial-real-estate programs may provide a path toward owning the property the business operates from.
How it works
01
Learn
See the financing programs available and how each one is typically used.
02
Choose
Pick the program that fits your situation, or talk it through with an account specialist.
03
Apply with Kinetik
Continue to the secure Kinetik Capital application for the program you selected.
04
Review options
If there's an appropriate path, review what's available with your account specialist.
Financing powered by established lending infrastructure.
DRES works with Kinetik Capital for access to business-financing programs and lender relationships.
When you choose to apply, you continue to the secure Kinetik Capital application associated with your account specialist.
01
DRES
Information, marketing and customer acquisition
02
Kinetik Capital
Application and financing partner
03
Funding partners
Review, underwriting and financing
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What business owners say
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Common questions
Is DRES a lender?
No. DRES helps businesses understand the financing programs available and connects them with our funding partner. DRES is not a bank, not a direct lender and does not underwrite financing.
Who processes my application?
Applications are completed and processed through Kinetik Capital's secure application, associated with your account specialist.
Which programs are available?
Line of credit, term loans, equipment financing, merchant cash advance, real estate loans, startup business loans and SBA loans. Availability depends on the business and underwriting.
Can I use equipment I already own to access capital?
Possibly. A sale-leaseback structure may allow a business to access capital from qualifying equipment it owns while continuing to use it. Eligibility depends on the equipment and underwriting.
Do you still offer merchant cash advance?
Yes. MCA is one of the programs available. We also want you to see the alternatives so you can compare structures.
What information do I need to apply?
Basic business information to begin. Documentation requirements are confirmed within the Kinetik Capital application and depend on the program. [To be finalized.]
Where do you operate?
We serve businesses across St. Louis and the Midwest. Program availability may vary by state.
Is applying an approval?
No. Submitting an application is not an approval and does not guarantee funding. Eligibility, amounts, terms and timing are determined through underwriting.
Ready to explore your financing options?
Continue to the secure Kinetik Capital application, or talk with an account specialist first.
or call
or call 314-283-3402
Apply by program
Each program routes to its own tracked application link.