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BUSINESS LOANS

Business loans are used to fund business expenses, such as paying staff wages, purchasing inventory, expanding your business, improving cash flow, investing in marketing, or covering unexpected emergencies. Business loans provide business owners with financing either as a lump-sum payment or credit line, which must be repaid over time with interest and fees. Business loans are used for everything from working capital and equipment purchases, to larger purchases like real estate.

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MERCHANT CASH ADVANCE

Easier to qualify for than other small business loans. Little collateral, business credit history, or low fico credit scores. Amount depends on the amount of future receivables or the sales you’re projected to make over the upcoming repayment term.
Loan amount: $5k - $1M Term: 3 - 24 Months Approval: 1-2 Business Days Credit score: 475 + Time in business: 6 Months +

EQUIPMENT FINANCING

The business equipment financing option is very similar to term business loans, the only difference being it’s specifically for purchasing equipment. Because equipment financing is so advantageous, small business owners can purchase what they need with a low or no down payment, easy repayment terms, and save money with competitive rates.
Loan amount: $5k - $1M Term: 3 - 24 Months Approval: 1-2 Business Days Credit score: 475 + Time in business: 6 Months +

BUSINESS LINE OF CREDIT

Functions like a business credit card. You have a credit line that you can draw funds from at any time. If you’re carrying a balance, you’ll have a minimum payment. You only pay interest, and potentially a draw fee on the portion that you borrow. And when you pay off a part of your balance on time, that money usually becomes available to you again. This is because most business lines of credit are technically “revolving” lines of credit.
Loan amount: $1k - $1 Million Term: Up to 36 Months Approval: 1-3 Business Days Credit score: 575 + Time in business: 1 Year +

EQUIPMENT FINANCING

The business equipment financing option is very similar to term business loans, the only difference being it’s specifically for purchasing equipment. Because equipment financing is so advantageous, small business owners can purchase what they need with a low or no down payment, easy repayment terms, and save money with competitive rates.
Loan amount: up to $10M per piece Term: 1 – 10 Years Approval: 1-2 Business Days Credit score: 475 + Time in business: 6 Months +
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BUSINESS TERM LOAN

A business term loan is what most small business owners think of when they hear the words “small business loan.” The repayment terms and fee structure are straightforward. Borrowers receive this money and agree to pay it back in regularly scheduled payments over a set period. The period is known as a loan term. In most cases, you make fixed monthly payments for a set repayment term.
Loan amount: $5k - $10 Million Term: 3 Months – 5 Years Approval: 1-3 Business Days Credit score: 550 + Time in business: 1 Year +

SBA LOANS

SBA stands for “Small Business Administration.” The Small Business Administration is a government agency, not a business lender. Applications for SBA Loans are not sent directly to the SBA. Instead, you must apply through a financial institution. These loans help small business owners just like you start or grow businesses. What makes an SBA Loan different than all other business loans is that the SBA guarantees up to 85% of loans up to $150,000, and up to 75% of loans over that amount and up to $500,000.
Loan amount: $5k - $1M Term: 3 - 24 Months Approval: 1-2 Business Days Credit score: 475 + Time in business: 6 Months +

ACCOUNTS RECEIVABLE FINANCING

Accounts Receivable Factoring is sometimes called “Invoice Factoring.” It refers to when a business sells unpaid invoices to an accounts receivable factoring company or a “Factor” for a discounted rate. It is now the job of the factoring company to collect the payment from your customer. Once the factoring company collects from the client, they pay the small business owner the remainder of the invoice amount, minus factoring fees.
Loan amount: $5k - $1M Term: 3 - 24 Months Approval: 1-2 Business Days Credit score: 475 + Time in business: 6 Months +

EMPLOYEE TAX CREDIT RETENTION ADVANCES

The Employee Retention Credit provides qualified employers with up to $26,000 per employee in tax refunds for the tax years 2020 and 2021. This COVID-19 employee retention credit is available for businesses that had to shut down or experience significant decline during the pandemic.

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Export Financing

Export and import finance is a set of financial instruments and practices designed to mitigate the risks inherent in international trade, such as currency fluctuations, non-payment, and political instability. Export finance is a cash flow solution for exporters selling goods overseas. 

Our team has over 14 years’ experience funding companies like yours.

For more information, please email [email protected]

Or call: 954-839-8866

submit a loan application here