Business Funding for Growth & Expansion

Merchant Cash Advance (MCA)

Merchant cash advances are one of the easiest business funding options to qualify for due to flexible credit and revenue requirements. Businesses can typically qualify for 25%-150% of their monthly revenue as an MCA. These short-term funding solutions (usually under 12 months) are perfect for businesses needing immediate cash with same-day funding potential.

Eligibility: Minimum 3 months in business, $5,000+ monthly revenue, no major unsatisfied credit judgments.

Documentation: 3 months of bank statements and completed application.

Business Line of Credit

A business line of credit combines features of both credit cards and loans. Once approved, you can draw from the available amount and as you repay, more credit becomes available again. This flexible solution is ideal for businesses that purchase inventory or need consistent funding availability.

Eligibility: Minimum 1 year in business, $50,000+ monthly revenue, 700+ credit score typically required.

Benefits: Fast approval process (2-4 days), flexible access to funds, revolving credit structure.

Invoice Factoring

Invoice factoring converts outstanding receivables into immediate cash, improving cash flow and eliminating collection hassles. This solution is perfect for businesses with outstanding invoices from creditworthy customers.

Credit Card to Cash Conversion

Credit liquidation services allow you to convert available business credit card limits into liquid capital without the high fees and interest rates of traditional cash advances. This fast, compliant method provides working capital within 24-48 hours and is ideal for businesses needing immediate funding for expansion, equipment purchases, or operational needs. Unlike cash advances, this process is designed to protect your credit score and cash flow.

Benefits: Fast funding (24-48 hours), no loan qualification required, works with existing credit cards, protects credit utilization.

Process: Consultation, credit assessment, secure execution with expert guidance.

Revenue-Based Financing

Alternative lenders offer revenue-based financing that heavily weighs your business's monthly revenue to determine maximum lending amounts. Repayment is typically made via fixed daily payments for a predetermined term.

Term Loans

Business term loans provide lump sum funding for major purchases, expansion projects, or debt consolidation. Terms typically range from 1-10 years with fixed or variable interest rates, making them ideal for significant business investments.

SBA Loans

SBA loans offer some of the most favorable terms available to qualified businesses. These government-backed loans provide longer repayment terms and competitive interest rates for established businesses with strong financials.

Commercial Real Estate Loans

Commercial real estate financing allows businesses to purchase property, refinance existing mortgages, or access equity for expansion projects. These loans are secured by the property itself.

Equipment Financing

Equipment financing programs allow businesses to acquire necessary machinery, vehicles, and technology with the equipment itself serving as collateral. This preserves working capital while providing essential business tools.

Asset-Based Lending

Asset-based lending uses inventory, equipment, or receivables as collateral to secure larger funding amounts at competitive rates. This option is ideal for businesses with substantial assets but limited cash flow.

Restricted Industries

Some industries are considered high-risk and may face limitations: adult industries, airlines, auto dealerships, bitcoin companies, churches, collection agencies, check cashing companies, bail bond companies, and debt consolidation companies may have limited options for certain funding types.

Preferred Industries

Many industries have excellent funding opportunities, particularly those with stable cash flows: retail operations, medical practices, restaurants, pharmacies, manufacturing, and professional services typically have access to a wide range of funding options.