Short Term Working Capital

Short Term Loan (With Collateral)

A non-bank loan that is structured based on creditworthiness, business cash flow and Real Estate collateral. Typical loan size is up to 20% of business gross revenue and collateralized with real estate, utilizing up 70% loan to value.

  • Funding max of $1,000,000

  • Term lengths between 1-4 years

  • Interest from 12%

  • Collateral required

  • Monthly payments

  • Significant prepayment discounts

  • Interest is tax deductible (consult your accountant)

  • Builds business credit

  • Funding within 30 days


Short Term Loan (No Collateral)

A short term loan issued by one of our 75+ lending partners. These are non-bank lenders, alternative funders, hedge funds and family offices. This is not a bank product, thus eliminating the need for excessive paperwork and extensive underwriting times.

  • Funding max of $1,000,000

  • Term lengths between 4 and 24 months

  • Interest rate based on risk

  • No collateral required

  • Repayment via automated ACH debit – daily, weekly or semi-monthly

  • Significant prepayment discounts

  • Interest is tax deductible (consult your accountant)

  • Builds business credit

  • Same day approvals

  • Funding within 2 business days


Merchant Cash Advance

This is a one time, lump sum advance in exchange for a percentage of your future sales. A cash advance is not a loan, has no interest rate and will not appear in your balance sheet as financial debt. This provides an alternative financial solution for business owners that do not qualify for a short term loan.

  • Funding max of $1,000,000

  • Term lengths between 2 and 18 months

  • No collateral required

  • Repayment via automated ACH debit – daily or weekly

  • The difference between the amount you receive and the amount of your future sales you sell is tax deductible (consult your accountant)

  • Builds business credit

  • Same day approvals

  • Funding within 2 business days

Example:

1.   You agree to sell $24,000 of your sales over the next 12 months, for $20,000 today.

2.   Every business day, for the next 12 months, a small percentage (usually 10% or less) of your daily sales is remitted to the purchaser via automated ACH withdrawal from your business bank account.

3.   This is a fixed dollar amount and in this case, would be $100/day. By setting a fixed daily (or weekly) dollar amount, it simplifies accounting and allows you to properly manage your cash flow. 

Long Term Working Capital

SBA Loan

An SBA loan is a small business loan that is partially guaranteed by the Small Business Administration, which eliminates some of the risk for the financial institution who is issuing the loan.

  • Max loan amount of $5,000,000

  • Rate equal to prime + 2.75%

  • 10 year term

  • Monthly payments

  • No pre-payment penalty

  • Next day Pre-approvals

  • Funding within 60 days


Term Loan

A Bank Term loan is a short-term, fixed-rate loan with stable monthly payments. These loans are a great fit when you need funds more quickly or don’t meet the requirements of an SBA loan. There are generally few restrictions on the use of funds.

  • Max loan amount of $2,000,000

  • Interest rate from 7.99%

  • 2-5 year term

  • Monthly payments

  • No pre-payment penalty

  • Can be used to consolidate higher interest debt

  • Next day Pre-approvals

  • Funding within 6 weeks