Our Products
Choose one of our following products
Term Loans
Term loans help your business with working capital for equipment needs, debt consolidation, etc. Your business receives money to use over a fixed period of time with fixed payments. These type of loans with fixed interest rates allow you to predict your payments and can help protect your cash flow while you benefit from the asset.
Merchant Cash Advance
A merchant cash advance is not a loan, but rather an advance based on the future revenue or credit card sales of a business. You will repay the advance using a portion of your daily credit card transactions. This type of program is a fast way of obtaining capital based on your businesses future receivables. A merchant can obtain access to hard cash in a fast manner for a higher cost.
Line Of Credit
With a line of credit, your business will have working capital and cash available when you need it. Lines of credit provide a pool of money that you can tap as needed, and you pay interest only on the amount you use. It’s a revolving account, so as you pay back what you owe, you may borrow again up to your credit limit. This type of financing is usually used to cover short-term expenses, such as inventory or payroll.
Invoice Factoring
This type of program purchases accounts receivable you’re owed and takes the worrying out of collecting from your clients. We pay upfront, a percentage of the outstanding invoice amount. We advance the difference back to you minus the agreed upon amount, the moment the full amount has been collected. It gives you quick access to funds you would normally take a long time to collect
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Term Loans
Affordable and Predictable
With a fixed interest rate that remains the same throughout the life of the loan, it makes planning ongoing expenses easier and greatly simplifies budgeting. With interest rates as low as 6%, this financial product is an ideal option for funding the purchase of assets, taking advantage of extra inventory opportunities, or making property improvements. Whatever the situation, an installment loan can be tailored to your specific needs.
Terms That Work for You
Unlike other forms of alternative financing with short terms, installment loans give you the time to make the most of your funds. Installment loans can extend up to 36 months — the equivalent of 3 years. Take Juan, for example, a small business owner who runs a logistics company with just two trucks. Juan had the opportunity to purchase another truck at a higher price. With the help of a 24-month installment loan and a fixed biweekly payment that fit his business needs, Juan was able to increase his profits by 35%, giving him enough time to grow his revenue and repay the loan smoothly.
Easy to Get
With a simple process that takes just a few minutes to get started, installment loans can be funded in as little as 24 hours. A one-page application and your bank statements are all it takes to get your foot in the door and on your way to receiving the funds you need. Keep in mind that not all installment loans are the same—your business income and other factors will determine the loan amount and term length.
Loan Amount
$5,000 – $2,000,000
Loan Term
6-36 months
Funding Time
24-48 hrs
Interest Rate
As Low As 6%
Merchant Cash Advance
The Merchant Cash Advance (MCA) is the fastest way to access immediate capital for your business. Many mistake it for a loan, but in reality, it’s the purchase of future receivables in exchange for a lump sum of cash with interest. In other words, it’s money advanced to you in exchange for a portion of your future sales. This product features a fixed payment that is calculated using a factor rate.
Works With Your Business
The MCA is often underestimated because many business owners don’t know enough about this financial product. Unlike other financing options, the MCA has the advantage of being repaid through a percentage of your business’s daily sales. This is called the holdback; it typically ranges between 10% and 20%. One of the main benefits of this repayment structure is that if your credit card transactions are low on a given day, the withdrawal from your business account will also be lower—since it’s based on a percentage of your daily sales. Another repayment option is a fixed ACH amount that can be withdrawn from your account daily or weekly.
Minimum Requirements
Among the fastest financial products to obtain, approvals for MCAs—just like installment loans—are granted within hours after submitting a one-page application and bank statements, with funds typically available within 24 hours. To finalize the deal, all that’s usually required is proof of ownership and owner verification. It’s also worth noting that these advances are unsecured and not based on personal credit history. In other words, they’re the perfect solution for your quick capital needs thanks to their simplicity and accessibility.
High Approval Rate
Most likely, if you apply for a Business Cash Advance, you’ll be approved. There’s a 90% chance of receiving an offer—even with judgments, tax liens, or bankruptcies, you can still get approved. It’s become a go-to option for small business owners because of its high likelihood of receiving immediate capital, and best of all, its simple renewal process gives you access to additional funds after 30–45 on-time payments.
Loan Amount
$5,000 – $500,000
MCA Term
3 – 18 Months
Funding Time
24-48 Hrs
Interest Rate
As Low As 6%
Line Of Credit
Flexible. The best word to describe a line of credit. It’s often referred to as a safety net for your business because you only use it when you need it. Best of all, you only pay interest on the amount you use, not on the full credit limit.
Easy to Access
You can withdraw as much or as little as you need from your available line of credit. Your credit line automatically replenishes as you make payments. No interest accrues on the funds available to you until you actually draw and use them. This feature makes it ideal for unexpected situations that come up when running a business—it’s simply part of being a business owner.
A Hybrid in Its Own Class
Similar, yet quite different from a business credit card. Both are revolving, and like a credit card, you have a set capital limit that you can access whenever you need it. However, a credit card can only be used for purchases, while a line of credit gives you access to cash without penalties—and with lower interest rates. You can choose between weekly or monthly payment options depending on what best fits your business type.
Focus on What Really Matters
Running a business is challenging enough, with unexpected changes around every corner—so don’t worry about keeping funds in your business account accumulating interest. Let’s focus on growing your business, seizing new opportunities, and ensuring your expenses are covered. Lines of credit can act as your silent investor, always by your side for your next business move. Use it to cover cash flow gaps when needed.
Loan Amount
$5,000 – $2,000,000
LOC Term
6-12 Months
Funding Time
1-2 Weeks
Interest Rate
As Low As 8%
Invoice Factoring
This type of program eliminates the worry of collecting from your customers. We purchase your accounts receivable and advance you a percentage of the outstanding invoices or their face value. It’s the sale of your receivables minus a small service fee. Your customers then work directly with us to make their payments.
Clean Slate
This financial product is an excellent option for industries such as retail, wholesale, supermarkets, and more, as it eliminates the headache of waiting for vendors to pay for your services. It’s a perfect solution for businesses that work with vendors who take 30–90 days to pay an invoice. This method allows you to build stronger relationships with your vendors while we take the collection process off your hands. Stronger relationships mean more product—and more product means more money in your pocket.
We Work for You
We become your accounts receivable department, helping you turn outstanding invoices into active capital for your daily operations. We understand that clients who take their time to pay can significantly impact your business operations—and that other alternative financing products might not help. That’s why we take the stress off your shoulders and provide you with upfront capital. It’s like having your customers pay you within 48 hours.
Time Is Money
This financial product gives you the ability to outsource your sales accounting and focus on what really matters—managing your business—in a cost-efficient way. The more orders and invoices you generate with your supplier, the greater your ability to negotiate better prices for future projects. This helps your business grow by becoming more reliable and building stronger relationships with higher-quality clients.
Loan Amount
$5,000 – $2,000,000
Factoring Term
Up to 1 Year
Funding Time
48 Hours
Interest Rate
As Low As 6%