From working capital and equipment financing to revenue-based funding — Bear Creek Management offers a range of direct lending solutions designed for how Idaho businesses actually operate.
Our Products
Working capital is the lifeblood of any operating business. Our working capital loans provide fast access to funds for day-to-day operational needs — payroll, inventory, vendor payments, and managing cash flow gaps between receivables and payables.
Unlike traditional bank products, our working capital loans are designed for the speed your business actually needs, with underwriting that looks at your full business picture.
Whether you need to acquire machinery, upgrade your technology infrastructure, expand your fleet, or add specialized equipment — our equipment financing solutions are structured to match your business's capacity and revenue timeline.
The equipment itself often serves as collateral, which can mean more favorable terms for businesses that may not qualify for unsecured products. We work with businesses in construction, agriculture, logistics, manufacturing, food service, healthcare, and more.
Revenue-based financing provides capital in exchange for a percentage of future revenue — creating a repayment structure that naturally flexes with your business performance. When revenue is strong, repayment is faster. During slower periods, the payment adjusts accordingly.
This product is particularly well-suited for businesses with strong, consistent revenue but limited hard assets, or those whose cash flow patterns make fixed monthly payments difficult to sustain.
Our core small business loan product is designed for established businesses — typically 1+ years in operation — looking for structured term financing to fund growth, operations, or specific business initiatives. Repaid on a defined schedule with clear, fixed terms.
Expand your fleet, acquire delivery vehicles, upgrade service trucks, or add commercial transportation assets with financing structured around your fleet's revenue-generating capacity. We work with businesses in logistics, construction, agriculture, and any industry that depends on commercial vehicles.
When you're ready to open a new location, acquire another business, launch a new product line, or make a significant investment in your company's future — Bear Creek Management provides the capital to move decisively when opportunity presents itself.
General Guidelines
Minimum time in business for most products. Some products available to newer businesses with strong revenue.
Minimum monthly revenue for most working capital and revenue-based products. Equipment financing may differ.
Every application reviewed directly by our underwriting team — no credit score cutoffs, no automated rejections.
Find Your Funding
Tell us about your business and your goals — we'll identify which funding structure makes the most sense for your situation, with no obligation and no pressure.
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