Business Loan Options
Merchant Cash Advance
Business Line of Credit
Working Capital Loans
A Merchant Cash Advance is a financing option for businesses in which a merchant account provider pays a one-time lump sum to a merchant in exchange for a percentage of future credit card sales. It delivers quick cash to help meet pressing short-term needs.
FUNDING AMOUNT
$7,500 to $1 million
FACTOR RATES
Starting at 1.09
TERM
3 – 18 months
APPROVAL AND FUNDING
1-2 Business days
Working Capital Loans
Business Line of Credit
Working Capital Loans
A Working Capital Loan is a loan that is taken to finance a company's everyday operations. These loans are not used to buy long-term assets or investments and are, instead, used to provide the working capital that covers a company's short-term operational needs.
FUNDING AMOUNT
$10,000 to $5 million
INTEREST RATES
Starting at 9%
TERM
3 months – 10 years
APPROVAL AND FUNDING
1-3 Business days
Business Line of Credit
Business Line of Credit
Business Line of Credit
A Business Line of Credit provides flexibility that a regular business loan doesn't. With a business line of credit, you can borrow up to a certain limit and pay interest only on the portion of money that you borrow. A line of credit is similar to how credit cards work.
FUNDING AMOUNT
$1,000 to $250,000
INTEREST RATES
Starting at 8%
TERM
Up to 18 months
APPROVAL AND FUNDING
1-3 Business days
SBA Loans
Revenue Based Business Loans
Business Line of Credit
SBA Loans are business loans guaranteed by the Small Business Administration. With their multiple SBA funding programs, this government agency provides SBA loan guarantees through an SBA-approved lender.
FUNDING AMOUNT
$50,000 to $10 million
INTEREST RATES
Starting at 5%
TERM
3 – 25 years
APPROVAL AND FUNDING
3-5 Weeks
Business Term Loans
Revenue Based Business Loans
Revenue Based Business Loans
A Business Term Loan is the most traditional method of small business financing for borrowers in need of financing typically for longer than 12 months. We offer small business loans with many different repayment methods.
FUNDING AMOUNT
$10,000 to $5 million
INTEREST RATES
Starting at 5%
TERM
3 months – 10 years
APPROVAL AND FUNDING
1-3 Business days
Revenue Based Business Loans
Revenue Based Business Loans
Revenue Based Business Loans
A Revenue Based Business Loan is a loan that your business receives in full upfront, and agrees to pay it back based on a percentage of your future monthly revenue. These payments continue until the principle and interest are repaid in full.
FUNDING AMOUNT
$10,000 to $5 million
INTEREST RATES
Starting at 9%
TERM
3 months – 10 years
APPROVAL AND FUNDING
1-3 Business days
Equipment Financing
Receivables/Invoice Factoring
Receivables/Invoice Factoring
Equipment Fnancing refers to a loan used to purchase business-related equipment, such as a restaurant oven or a company vehicle. Equipment loans provide for periodic payments that include interest and principal over a fixed term.
FUNDING AMOUNT
Up to $5 million per piece
INTEREST RATES
Starting at 5%
TERM
1 – 5 years
APPROVAL AND FUNDING
3-10 Business days
Receivables/Invoice Factoring
Receivables/Invoice Factoring
Receivables/Invoice Factoring
Invoice Factoring is a financial transaction in which a business sells its accounts receivable (invoices) to a factoring company at a discount. Invoice factoring should not be considered a loan but a financing solution to keep your cash flow running.
FUNDING AMOUNT
$10,000 to $10 million
INTEREST RATES
Starting at 5.8%
TERM
Up to 24 months
APPROVAL AND FUNDING
1-2 Weeks
Bad Credit Business Loans
Receivables/Invoice Factoring
Bad Credit Business Loans
Bad Credit Business Loans are loans designed for businesses for which the owner has poor credit, by the standards of traditional lenders, and who might otherwise have trouble getting another loan.
FUNDING AMOUNT
$10,000 to $5 million
INTEREST RATES
Starting at 9%
TERM
3 months – 10 years
APPROVAL AND FUNDING
1-3 Business days
Bad Credit Business Loans
Guidelines and Required Documents
Guidelines
- Must be in business for 6 months
- Minimum credit score 500
- Minimum monthly gross revenue $10,000
- No open bankruptcy
Required documents for most loans
- YCFS 1 Page Application
- US Driver’s License
- Voided Business Check
- 4 Most Recent Months of Business Bank Statements
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