S and H Consultants provides Consulting services for Entrepreneurs and Small Business' Owners. We're here to help you get the lines of credit and cash flow that your business needs in this time of uncertainty. We are a broker not a direct lender. The type of loan you need depends on what you need it for. S & H Consultants offers a variety of financing services for small business owners. A Term Loan is the right type of loan for you. A term loan means you borrow a one-time lump sum of cash and pay it back over a fixed period of time, or a “term.” Our short term loans range in term length, giving you flexibility around repayment. When you need ongoing, quick access to working capital—say, for managing cash flow—A Line of Credit (LOC) is the way to go. Our flexible business line of credit is revolving, which means you can withdraw from your credit line (up to $500,000) and funds replenish as you repay the line. In other words, you can use it on a routine basis. Plus, with a LOC, you only pay interest on the funds you use. Apply for a Business Loan