A calm northern Minnesota lake at golden hour, pines reflected in still water, a lone boat sitting level out toward the sunset

Business-purpose lending · Farmington, MN

Capital that keepsyour business steady.

We're the brokers who say yes when the bank won't — funded in 24–48 hours, explained in plain English.

See if you qualify Book a call

What we do

We place capital withprivate lenders — whenthe bank says no.

Working capital / cash advance
Equipment financing

$10K – $20M

the range we place

Broker, not a bank — we work for you, not the lender.

Why Trueballast

We say yes when the
bank won't.

$10K – $20Mfunded in 24–48 hours

The bank looked at your numbers and tilted away.

Alarmingly transparent

Every cost, in plain English.
No surprises.

How much do you need?

$50,000

$10K$500K

A bank won't show you this. We lead with it.

You borrow$50,000

You pay back$64,000

That's a cost of$14,000

Worth it when the job's won, the crew's paid, and the equipment's running. We put the whole number on the table first — then help you decide if it earns its keep.

See your real terms

Illustrative only · your real terms come from your matched lender

How it works

Three steps. No runaround.

Tell us what you need

A short, plain-English application — two minutes, honest questions, no SSN on this page.

We shop our private lenders

We know our core lenders' criteria cold and place your file where it actually fits.

Funded in 24–48 hours

Clear offers, every cost on the table, money in as little as a day or two.

A still northern Minnesota lake at golden hour, dark pines mirrored in calm water

The steady weight

“I grew up on Minnesota water. Ballast is the weight that keeps a boat upright when the wind comes — that's what we are for your business.”

Jacob Veches · Founder

Let's get you steady.