Porter Capital Launches Term Loans and Lines of Credit

Birmingham-based commercial finance company, with more than $15 billion funded over 35 years, expands beyond invoice factoring and asset-based lending to give growing businesses more ways to access capital

BIRMINGHAM, Ala., Nov. 13, 2026 /PRNewswire/ -- Porter Capital, a commercial finance company that has funded more than $15 billion for businesses across the United States, announced the launch of two new financing products: term loans and lines of credit. The new offerings give small and mid-sized businesses predictable, flexible capital to fund growth, cover working capital gaps and invest in equipment, inventory and expansion.

For more than 35 years, Porter Capital has been known for invoice factoring and asset-based lending, with facilities up to $30 million. The new products extend the same speed, flexibility and personal service to businesses that need a different structure, whether a lump sum repaid on a set schedule or revolving access to funds they can draw on as needed.

"For over three decades, business owners have trusted us to move fast when the bank couldn't," said Marc Porter, founder and CEO of Porter Capital. "Adding term loans and lines of credit means we can now meet more of those owners where they are. A company might start with a credit line, grow into factoring and add a term loan for a planned investment. Our job is to find the structure that fits, not force a business into one product."

Business Term Loans. Porter Capital's term loans provide a lump sum of capital, repaid over a fixed schedule, giving owners predictable payments for planned investments such as equipment purchases, expansion, acquisitions or refinancing higher-cost debt. Loans are available from $50,000 to $500,000, with 24-month terms.

Business Lines of Credit. Porter Capital's lines of credit give businesses revolving access to funds up to an approved limit. Owners draw only what they need, pay interest only on what they use and can borrow again as they repay. Lines range from $50,000 to $250,000 and are suited to seasonal swings, payroll timing, inventory purchases and unexpected expenses.

Both products feature a simple online application, with decisions in as little as 24 hours and a dedicated Porter Capital funding specialist guiding each client from application to close, making sure the business gets the most suitable funding service for its needs.

The new products are designed for established small and mid-sized businesses in industries such as manufacturing, distribution, staffing, transportation, business services, and oil and gas. Brokers, bankers and referral partners can also offer them to clients, giving partners more ways to place deals that fall outside traditional bank criteria.

"Our referral partners have been asking for this," said John Cox Miller, senior vice president of Porter Capital. "When a client needs a term loan or a revolving line, partners can now bring that deal to the same team they already trust for factoring. We now have a complete suite of services, with the same quality and credibility partners and clients already know."

Term loans and lines of credit are available now to businesses nationwide. Business owners can learn more and apply at www.portercap.com and www.portercap.com/application/, or contact a funding specialist at 205-445-9445 or [email protected].

About Porter Capital
Founded by Marc Porter and headquartered in Birmingham, Alabama, Porter Capital is a commercial finance company that provides working capital to businesses across the United States. For more than 35 years, Porter Capital has funded over $15 billion through invoice factoring and asset-based lending, with facilities up to $30 million, and now offers term loans and lines of credit. Porter Capital is known for fast decisions, flexible structures and a hands-on team that works directly with business owners and their referral partners.
Learn more at www.portercap.com.

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SOURCE Porter Capital