Small Business Capital

Learn why this business loan alternative is becoming one of the most popular forms of financing for small business owners and why many choose a merchant cash advance over a business loan. Many business owners think a merchant cash advance is a short term loan, or a high interest advance. In actuality it is simply a sale. Our banks will be purchasing your future sales at a discount. Both parties agree to the amount of sales being purchased and for what discounted cost. ​High Approval Rate: A merchant cash advance approval is based on business performance rather than personal credit, time in business or financials. Fast Funding & Easy Renewals: Our business funding programs can have money in your bank in as little as 48 hours. Once you are approved you can renew your advance when 50% of your balance is paid down. Simple “No Hassle” Payback: With a merchant cash advance there is no need to write a check every month, your payments are automatically held from your credit card transactions. There is no fixed monthly payment. Revenue Based Collections: With a merchant cash advance, we get paid when you get paid. Our payment is a percentage of your daily sales, so if you have a slow month you are paying back less, if you have a good month, you are paying back more. This flexible structure allows businesses to always be able to afford the payments. No Credit or Collateral on the Line: Unlike a commercial business loan, a merchant cash advance is actually a sales transaction, so they are not reported on credit reports. There is also no collateral required as is often the case with a business loan. If you don’t have a merchant account, we can still fund your business with our popular “Bank Only” ACH program. We approve your business based on the total gross deposits into your business bank account.