Merchant Cash Advance

A merchant cash advance (MCA) is not a loan, but rather a cash advance based upon the gross sales deposited into a business bank account.  A business owner can apply for an MCA and have funds deposited into a business checking account fairly quickly—sometimes as quickly as 24 hours after approval.

→  Funding in as little as 24 hours

→  Terms between 6 and 24 months

→  Daily, weekly, or bi-weekly payments

→  Factor rates from 1.10 to 1.49

Credit Counsel

Credit counsel is the process of fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may be as simple as disputing mistaken information with the credit agencies. Credit lines will also be improved through credit authorizations.

→  Increase credit lines

→  Decrease credit usage

→  Dispute hard inquiries

Accounts Receivable Financing

Accounts receivable financing allows companies to receive early payment on their outstanding invoices. A company using accounts receivable financing commits some, or all, of its outstanding invoices to a funder for early payment, in return for a small fee.

→  Rates from 2% – 7%

→  30, 60, 90 day invoices

→  Payments are made when invoice is paid

Asset-Based Lending

Asset-based lending is a business loan secured by collateral. The asset-based loan, or line of credit, is secured by real estate, inventory, equipment and/or other balance-sheet assets.

→  Rates from 6% to 23% APR

→  Terms 1-10 Years

→  Monthly Payments

Term Loan

Unsecured 2-5 year loans payable in a fixed number of equal installments over the term of the loan. Term loans are generally provided as working capital for equipment purchase, inventory orders, or even debt consolidations.

→  Rates from 10% to 30% APR

→  Monthly Payments

→  Terms form 2-5 Years