// V1 Lending page — "Lines, loans & more" // ───────────────────────────────────────────────────────────────────────── // The deep dive behind the home bento card that used to read "Lines that beat // the bank." Delt is not a one-product MCA shop — it lends the full stack: // revolving lines of credit, term loans with simple interest, revenue-based // advances, and equipment / SBA-style financing. This page lays out every // option, who each one fits, and how they price against the bank. // // Visual language matches the rest of V1: dark hero band, mono eyebrows, // oversized display type, indigo accents, restrained scroll reveals. Reuses // the global V1 token object + motion helpers. // ───────────────────────────────────────────────────────────────────────── const { useState: lnUseState, useEffect: lnUseEffect, useRef: lnUseRef } = React; // ─── Tiny inline icon set ─────────────────────────────────── function LnIcon({ name, size = 16 }) { const p = { width: size, height: size, viewBox: '0 0 16 16', fill: 'none', stroke: 'currentColor', strokeWidth: 1.6, strokeLinecap: 'round', strokeLinejoin: 'round' }; if (name === 'revolve') return ; if (name === 'term') return ; if (name === 'revenue') return ; if (name === 'equip') return ; if (name === 'check') return ; if (name === 'arr') return ; if (name === 'dollar') return ; if (name === 'scale') return ; return null; } // ─── Hero ──────────────────────────────────────────────────────── function LnHero({ onApply, onTalk }) { const mounted = useV1Mounted(60); const enter = (delay) => ({ opacity: mounted ? 1 : 0, transform: mounted ? 'translateY(0)' : 'translateY(10px)', transition: `opacity 720ms cubic-bezier(0.22, 1, 0.36, 1) ${delay}ms, transform 720ms cubic-bezier(0.22, 1, 0.36, 1) ${delay}ms`, }); return (
Vol. X · Lending
The whole lending stack

Lines, loans, and every way to{' '} borrow.

A revolving line for the day-to-day. A{' '} term loan with simple interest{' '} for the big build-out. A revenue-based advance when speed matters most. Equipment and SBA-style financing when you're buying to grow. One desk, every structure — and each priced to beat the bank.

{/* Stat strip */}
{[ ['Products', '4', 'ways to borrow'], ['Range', '$10K–$500K', 'across the stack'], ['Term', 'Up to 18mo', 'you set the pace'], ['Prepay penalty', '$0', 'on every product'], ].map(([l, v, s]) => (
{l}
{v}
{s}
))}
); } // ─── Product cards — the four structures ───────────────────────── function LnProducts({ onApply }) { const products = [ { icon: 'revolve', tag: 'Revolving', h: 'Line of credit', d: 'A revolving limit you draw against on demand and only pay for what you use. Refills as you repay — capital that\'s always on standby for payroll, inventory, or a slow week.', rate: '8.9% APR', rateLabel: 'from', bank: '12.5% APR bank line', bullets: ['Draw only what you need', 'Interest on the drawn balance only', 'No covenants, no annual review', 'Limits from $25K to $500K'], }, { icon: 'term', tag: 'Fixed', h: 'Term loan', d: 'A lump sum with simple, fixed interest and a set monthly payment. Best when you know the number and want a predictable payoff — a renovation, an acquisition, a debt consolidation.', rate: 'Simple interest', rateLabel: 'fixed', bank: 'Variable + origination fees', bullets: ['One fixed monthly payment', 'Simple interest — no compounding', 'Terms of 6 to 18 months', 'Pay off early, save the unearned interest'], }, { icon: 'revenue', tag: 'Fastest', h: 'Revenue-based advance', d: 'Capital priced off your deposits, repaid as a small percentage of daily sales. Repayment flexes with your revenue — slow week, smaller payment. The 24-hour option when speed wins.', rate: 'Factor rate', rateLabel: 'one flat', bank: 'Weeks of underwriting', bullets: ['Funded in 24 hours', 'Repayment flexes with sales', 'Soft pull, no FICO gate', 'Renew as you grow'], }, { icon: 'equip', tag: 'Asset-backed', h: 'Equipment & SBA-style', d: 'Financing secured by what you\'re buying — terminals, vehicles, kitchen build-outs — or longer-horizon, SBA-style capital for a larger expansion. Lower rates, longer terms, more room.', rate: 'Asset-secured', rateLabel: 'lower', bank: 'Months at the SBA desk', bullets: ['Finance the asset you\'re buying', 'Longer terms for bigger projects', 'Own or lease structures', 'Fast pre-qualification'], }, ]; return (
Pick your structure

Four ways to borrow. One underwriting desk.

Not sure which fits? Apply once and we'll range every structure your file qualifies for — you pick.

{products.map((p) => (
{ e.currentTarget.style.transform = 'translateY(-3px)'; e.currentTarget.style.boxShadow = `0 22px 48px ${V1.ink}12`; e.currentTarget.style.borderColor = `${V1.blue}33`; }} onMouseLeave={(e) => { e.currentTarget.style.transform = 'translateY(0)'; e.currentTarget.style.boxShadow = 'none'; e.currentTarget.style.borderColor = V1.line; }} >
{p.tag}

{p.h}

{p.d}

{p.rateLabel} {p.rate}
{p.bank}
    {p.bullets.map((b) => (
  • {b}
    • ))}
))}
); } // ─── Advance vs. term — how the money is priced ────────────────── function LnPricing() { const [ref, inView] = useV1InView(0.25, '0px 0px -10% 0px'); return (
Interest vs. factor

Two ways to price capital. Both plainly stated.

A term loan charges simple interest on the balance — pay it down and you pay less. An advance uses one flat factor with revenue-based repayment. No product on our sheet compounds, and none carries a prepayment penalty.

{[ { tag: 'Loans with interest', h: 'Simple interest, fixed payment', rows: [['Priced on', 'Outstanding balance'], ['Rate type', 'Simple — never compounds'], ['Payment', 'Fixed monthly'], ['Early payoff', 'Saves the unearned interest']], accent: false, }, { tag: 'Revenue-based advance', h: 'One factor, flexible repay', rows: [['Priced on', 'Total funded amount'], ['Rate type', 'One flat factor rate'], ['Payment', '% of daily sales — flexes'], ['Early payoff', 'Pro-rata rebate on the factor']], accent: true, }, ].map((c, ci) => (
{c.tag}

{c.h}

{c.rows.map((r, i) => (
{r[0]} {r[1]}
))}
))}
); } // ─── Which is right for me — quick chooser ─────────────────────── function LnChooser() { const rows = [ { need: 'Cover payroll or a slow week', pick: 'Line of credit', icon: 'revolve' }, { need: 'Fund a renovation or acquisition', pick: 'Term loan', icon: 'term' }, { need: 'Get cash in 24 hours', pick: 'Revenue-based advance', icon: 'revenue' }, { need: 'Buy terminals, vehicles, or equipment', pick: 'Equipment / SBA-style', icon: 'equip' }, ]; return (
Which is right for me?

Start with the job to be done.

{rows.map((r) => (
{r.need} {r.pick}
))}
); } // ─── Closing CTA ───────────────────────────────────────────────── function LnCta({ onApply, onTalk }) { return (
One application, every option

Tell us the goal. We'll range every structure that fits.

Apply once, soft pull only. We come back with the line, the loan, and the advance side-by-side — you choose what to draw.

); } // ═══════════════════════════════════════════════════════════════ // V1LendingPage — main exporter // ═══════════════════════════════════════════════════════════════ function V1LendingPage({ accent, onApply, onTalk }) { return (
); } Object.assign(window, { V1LendingPage });