What Is It?

• Get the Equipment Financing Your Company Needs, When You Need It.
• Replace aging equipment or add new equipment to grow your business. Our premier equipment financing lenders offer flexible financing options that help you get the equipment you need.

Funding Criteria

• Fico Score 620+
• Funding Amount $3,000 – $500,000
• Term Length 3–36 Months
• Time in Business No Requirements
• Time to Fund As Little As 24 Hours

Benefits

• We take care of your business.
• We offer commercial equipment financing with minimal approval requirements and underwriting compared to a traditional business loan from a bank.
• Equipment Financing is a smart option if equipment your business relies on fails unexpectedly. Many small businesses operating on a tight budget can't afford to miss out on one day of expected revenue
• If you find you need to get back up and running fast but don’t have access to cash to pay for new equipment or repair costs, our Equipment Financing is a good option for you to consider.

Who It’s For

Depending on your particular business, the equipment that you use can include everything from simple office machinery to massive factory manufacturing systems. Let’s take a look at some of the costs you and your business might incur for equipment replacement or upgrades: Laptops and personal equipment; Copy machines, printers, and other office equipment; and/or Industrial manufacturing systems.

How It Works

• Funding provided for equipment will be provided as a lump sum
• Periodic payments will be made to repay the principal amount funded plus interest laid out in the contract terms.
• Once the loan is fully paid you will own the equipment outright.

What Is It?

• A Business Line of Credit is a determined credit limit that is extended to the borrower.
• Business owners can benefit from purchasing a credit line as it gives them access to a stream of capital to help with cash flow, operational expenses, and additional costs that come with running a business. There are different kinds of Credit Lines that business owners can acquire.

Funding Criteria

• Fico Score 600+
• Funding Amount $3,000 – $250,000
• Term Length 6–18 Months
• Time in Business 6+ Months
• Time to Fund As Little As 24 Hours

Benefits

• There are many advantages to obtaining a Credit Line. Usually, they depend from a type of a Credit Line. With us, you can choose the most suitable option for your business - Revolving or Non-Revolving Credit Line, Secured or Unsecured Credit Line.
• Secured Line of Credit: The Line of Credit is "Secured" by your assets. Collateral is required to be eligible for a Secured Line of Credit. The benefit of offering up collateral for this type of credit line is the lower interest rate, more agreeable terms, and higher account limits.
• Unsecured Line of Credit: Unsecured Lines of Credit afford you higher amounts and do not require any collateral. The product does include additional costs, shorter terms, and potentially higher interest rates.
• Revolving Line of Credit: You can take funds from the credit account which will be considered against your balance as frequently as you desire, but permitted up to a defined limit. Monthly payments are required after borrowing from your line to pay back the account balance. You are still able to borrow additional funds with an outstanding balance as long as you have not met the limit. Individual withdrawals have the same loan terms and is treated as a singular loan.
• Non-Revolving Line of Credit: Unlike Revolving Credit Lines, every time you borrow from a Non-Revolving Line of Credit the transaction is considered as an independent loan with separate terms.The Line of Credit will have specific terms regarding replenishment included in the contract. The credit available to you may not replenish even after paying your existing balance. You should read the agreement terms carefully, and consider a Revolving Line of Credit if you want access to borrow more than the allotted credit line.

Who It’s For

Business Credit Lines are good for flexible funding needs, and for businesses that experience known cash flow fluctuations due to seasonality or contract based earnings. If you operate a business that doesn't have a steady stream of revenue you may want to consider purchasing a Business Line of Credit.

How It Works

• You can borrow up to the max limit of the business credit line you have been approved to use
• You will only pay interest on the amount of funds drawn from the line of credit
• You will be able to tap into the business credit as long as you don't exceed the credit limit and succeed

What Is It?

• Merchant Cash Advance Funding is a fast way to get access to working capital for your business. MCAs can fund within 24 hours after the application is submitted.
• The advance is an expensive funding option but provides the convenience of fast funding, minimal approval criteria, and doesn’t require collateral; making Merchant Cash Advance Funding is a nice alternative to SBA Loans.

Funding Criteria

• Fico Score 450+
• Funding Amount $2,500 – $1,000,000
• Term Length 3–24 Months
• Time in Business 3+ Months
• Time to Fund As Little As 24 Hours

Benefits

• We are committed to assisting businesses with their financial and funding needs through a streamlined and business-friendly process.
• With a simple and easy application process, accessing working capital has never been this effortless.
• Best of all, our terms are highly competitive.

How It Works

• The lender either automatically discounts a fixed percentage of each credit card sale when it’s settled, or receives an ACH from your bank account for a fixed rate
• In exchange, you receive a lump sum of working capital
• Collection stops automatically when the full amount is repaid

What Is It?

• Reverse Consolidations are for business owners who are currently overleveraged by existing Merchant Cash Advance positions.
• Reverse Consolidation is not Loan Consolidation or Debt Restructuring, it is to help business owners who can’t afford multiple ongoing daily or weekly MCA payments.

Funding Criteria

• Fico Score 550+
• Funding Amount $3,000 – $1,000,000
• Term Length 6–18 Months
• Time in Business 3+ Months
• Time to Fund As Little As 24 Hours

Benefits

• Business owners with multiple Cash Advance positions can find themselves caught in a dangerous cycle of taking out more MCA positions just to avoid defaulting on existing balances.
• Reverse Consolidations provides business owners with a lump sum deposit directly into their business bank account. Reverse Consolidations function like a Merchant Cash Advance and are repaid with automatic daily or weekly withdrawals but at a reduced amount against the outstanding positions.
• It is not a Debt Consolidation or a Loan Consolidation product. It frees up cash flow which can prevent businesses from being crippled by having too many open positions and provide cash flow savings of 30% – 50%.

Who It's For

Reverse Consolidation is not Loan Consolidation or Debt Restructuring, it is to help business owners who can’t afford multiple ongoing daily or weekly MCA payments.

How It Works

• You will be provided with a lump sum of capital directly into your business bank account
• The amount of funding will be used to pay off the remaining balances from existing Merchant Cash Advances
• The cost of the Rev Con will work out to be less expensive than the independent repayment costs of the balances being covered by the advance

What Is It?

• Invoice Financing is an advance funding solution that is paid on Outstanding Invoices of Future Receivables up to 90% by the lender.
• Invoice Financing has the benefit of getting immediate payment on current unpaid invoices without the debtor knowing that you took funding.

Funding Criteria

• Fico Score 550+
• Funding Amount $2,500 – $5,000,000
• Term Length Not Applicable
• Time in Business 3+ Months
• Time to Fund As Little As 24 Hours

Benefits

• Invoice financing essentially involves using outstanding invoices as collateral to secure funding for businesses. This type of funding is usually easier and quicker to obtain and can provide up to 100% of the invoice values depending on the company policies and business fundamentals.
• When customers buy goods or services from your company and are late in paying for them, your business will temporarily lack both stock and cash. In some cases, such as when business is good, this can come at a heavy cost, such as other customers missing what they need from your store. This can tarnish the business name.
• The entire process is extremely easy, and guarantees clients that the needs of their business comes first.

How It Works

• Your accounts receivable values are used as collateral to get a cash advance.
• After the outstanding invoices have been collected you will pay a financing fee, typically 2-4% of the total invoice value.
• You are responsible for collecting the total amount of outstanding receivables.

What Is It?

• Factoring, also known as Accounts Receivable Financing, is the real-time exchange of your receivables for cash.
• Factoring is a good option for business owners who may run into cash-flow management issues due to seasonality, logistical errors, damaged inventory, and to help grow your product offerings.

Funding Criteria

• Fico Score 550+
• Funding Amount $3,000 – $5,000,000
• Term Length Not Applicable
• Time in Business 3+ Months
• Time to Fund As Little As 24 Hours

Benefits

The lender will evaluate your business to determine the percent of outstanding receivables they are willing to provide. To calculate the percent of receivables that a funding company is willing to advance, the lender will consider such points:

• your business size
• the quality of the outstanding receivables
• the likelihood of speedy repayment

How It Works

• A cash advance is provided based on the total value of outstanding invoices being factored.
• You will receive between 50-90% of the total value upfront.
• Once the outstanding invoices have been paid you will net the remaining invoice value minus the factoring fee. Typically between 3-8% of the total value.

What Is It?

• Our Term Business Loan option is a fast funding product and approvals are handled within 24 hours of applying.
• We offer small business loans that often have less restrictive approval criteria than traditional bank loans. We do not require any Real Estate Collateral and have no restrictions on industries. This product acts like a traditional bank loan with lower APR and longer terms.

Funding Criteria

• Fico Score 650+
• Funding Amount $10,000 – $5,000,000
• Term Length 1–5 Years
• Time in Business 1+ Years
• Time to Fund As Little As 24 Hours

Benefits

• We are committed to assisting businesses with their financial and funding needs through a streamlined and business-friendly process
• With a simple and easy application process, accessing working capital has never been this effortless.
• Best of all, our terms are highly competitive.

How It Works

• Much like a bank loan, you will be provided a lump sum of funding to use for your business needs.
• Your contract will stipulate the agreed upon term length to repay the loan.
• The repayment amount will depend on APR, which will be laid out in the contract.

What Is It?

• Hard Money Loans or Fix and Flip Construction Financing are a fast funding option that offers few approval requirements and flexible repayment terms.
• The funding option is reserved for Real Estate Developers that specialize in acquiring properties, making enhancements and improvements, and selling the property for a nice profit.

Funding Criteria

• Fico Score 600+
• Funding Amount $60,000 – $5,000,000
• Term Length 12 Months – 30 Years
• Time in Business 3+ Months
• Time to Fund As Fast As 3 Days

Benefits

• Hard Money provides fast funding for an industry that can’t afford slow bank approvals and rigorous underwriting delaying construction projects.
• If you and your business have outgrown your current borrowing limit or are looking for a better “Fix and Flip” financing solution, we can help. According to the Turner Building Cost Index, which measures construction costs in the United States, there is a quarter-on-quarter increase in costs from 2016 to 2017. What this means is that you will definitely have to dig deep into the pockets for new building financing.
• By capitalizing on our Short-Term Construction Loan solution, you will be able to handle projects fast without worrying about the costs of development.

How It Works

• Funding amount is based on collateral to secure a Hard Money loan to invest in the development real estate.
• Money is dispersed to the borrower with an expected single return payment and not in installments.
• The repayment of the principal loan amount plus interest is designed to aid businesses that specialize in Fix-and-Flip projects.

What Is It?

• Working Capital is a general term for commercial financing. We offer a wide variety of products and constantly look to add to our program offerings.
• We recognize that all business owners need an injection of capital at different time and for different reasons to keep the business running and growing.

Funding Criteria

• Fico Score 450+
• Funding Amount $2,500 – $5,000,000
• Term Length 3 Months – 5 Years
• Time in Business 3+ Months
• Time to Fund As Little As 24 Hours

Benefits

• Many people who start businesses take the time to plan, frequently also factoring in bad days where they may make losses. However, even the best plans can turn out to be insufficient for some circumstances, in which case the business might need to turn to third parties for financial help.
• One of the worst-case scenarios in running a business is losing working capital. To avoid this, small and medium sized enterprises can get working capital from credit facilities. These come in many forms including bank overdrafts, equity funding and more. We provide multiple alternative finance solutions which can be used to obtain working capital. Funding is rapidly made available to the company, unlike other conventional lending institutions which may take too long after approval. The business-friendly nature of our operations means that the terms and conditions for this type of funding are extremely favorable for the business in question.

How It Works

• Apply online with our simplified Working Capital Application
• Discussing your funding needs with one of our Case Managers so we can get to know your business and the state of your finances
• Get funding for your business in as little as 24 hours to help your business grow and succeed