Year-end brings shrinking liquidity, delayed SBA funding, and rising urgency for business owners preparing for Q1. As rates shift and government lending stalls, securing flexible private capital before the rush can be the difference between momentum and missed opportunity.

Private credit has become a lifeline for businesses as banks tighten lending and capital access dries up. With flexible terms, fast decisions, and tailored funding, private credit fills the critical gap left by traditional lenders. Now is the time for businesses to secure a line of credit—even if they don’t need it today—to prepare for economic uncertainty and stay resilient in a shifting financial landscape.