Working Capital Loans

 For Businesses - Small or Large

Funding the most Innovating Loan Products

• We loan from $15,000 up to $750,000 per location.

• We typically offer longer terms than other companies.
(12, 14, 16, and 18 month terms are available).

• Weekly ACH repayment - we don’t interrupt, interfere or delay the merchant’s credit card processing in any way (no credit card processor switch required and no lockboxes).

• No financials or tax returns needed unless funding request is above $300,000 for hospitality businesses ($150,000 for retail).

Here are Some Additional Parameters

• Brick and mortar retail

- In business 1 year or greater with at least $20,000 in monthly sales.

• Minimum credit score of 551, the higher the credit score the better the rate to the merchant.

• No open bankruptcies. Bankruptcies must be dismissed/discharged for at least 1 year.

• Tax liens must be less than 20% of the merchant’s average monthly sales or have a payment plan with at least 3 payments made

• Must be current on mortgage and business rent (may be up to one month late if high credit merchant).

• Existing advances do not disqualify the merchant, but the advance must be paid off out of loan proceeds.

Working Capital Loans

Working capital loans are ideal for those business operators who  need capital to take advantage of growth opportunities, without giving up equity

Funding in Days Not Months
Often in business, you need rapid access to financing to capitalize on opportunity. And all too often, the banks take too long to approve the funding, if they approve it at all.

Less than perfect credit is not a barrier
Collateral is not required on amounts up to $725,000
Flexible terms up to 36 months
There is very little paperwork
Approvals are granted quickly
Excellent customer service

Fast and convenient
Fixed payments & interest rate
The interest is tax deductible
Not linked to credit card receipts

                                   Bridge Loans

Bridge Loan amounts are available up to $725,000 per entity or up to $1,450,000 to guarantors who have multiple entities/units. Loan amounts are typically higher since they are calculated based on your total annual sales not just credit card sales. Interest rates are significantly lower than many of our competitors and there is no penalty to pay off early. Plus, tax returns and financials are not required on amounts up to $300,000.

Our Bridge Loan is a perfect choice if you’re waiting on conventional financing, making a large equipment purchase, opening a new location or trying to stabilize your cash flow. This type of bank financing is also an excellent alternative to acquiring equity partners whereby you surrender ownership (and the corresponding profits) for the life of the business.

Reasons to take a Bridge Loan
A better alternative than obtaining an equity partner
Bridge the gap, while waiting on conventional financing
Down payment to begin a build-out project
Acts as a line of credit with access to 5 loan drafts over 120 days
Equipment purchasing
Cash flow stabilization
Benefits of Bridge Loan:
Fast and convenient
Saves money
Keeps you in control of your business​​​


Flexible Payment Loans
Flexible Payment Loan offers merchants the Lowest Rates Possible
Lets You Borrow Now & Pay Later!

The Flexible Payment Loan option allows you the lowest possible rate and super low payments.
With the Flexible Payment Loan, merchants can defer 25% of the loan principal into the future, resulting in significantly lower loan payments now!
The Flexible Payment Loans also offers a unique early pay off option that is designed to minimize your interest costs. Couple this flexibility with our 120 day Line of Credit and the Flexible Payment Plan becomes even more powerful!

We have many options for merchants regarding the deferred principal, including rolling it into the future, amortizing it over time, refinancing it, paying it off early or do nothing and the existing loan payment will be extended until it is paid in full.

Unsecured Line of Credit

The Smart Choice in Business Financing
Having access to funds at a moments notice can sometimes make the difference between a business’s success or failure. That’s why merchants love our Line of Credit. It gives them the flexibility to act fast. When opportunity comes knocking or there’s an unexpected expense, our Line of Credit offers 24 hour access to loan drafts.

Merchants can qualify for line of credit amounts up to 725,000 with no collateral required. The initial line can be approved in less than a week with 24 hour turnaround on loan drafts after that.

With this type of financing, merchants can have the freedom to draw funds as needed, paying interest only on the money they take.

It Pays to Be Prepared

Even without an immediate need, smart merchants are establishing lines of credit. Being prepared is smart. Owners know opportunities and/or issues can arise quickly and having committed working capital allows them to be ready for the unexpected.

Loan amounts up to $725,000 with no collateral required
Access to 5 separate loan drafts over a 4 month period
Faxable drafts for ease of submission
24 hour turnaround on draft requests
No application, maintenance or access fees
A low documentation, streamlined process
Fixed terms up to 18 months with low payments
Approvals up to 13.75% of total annual sales
Abbreviated underwriting


Fast & Convenient
Saves Money
Interest is tax deductible
Keeps you in control of your business.

Mezzanine Loans
A mezzanine loan is ideal for those business operators who are experiencing strong performance, but need an injection of capital to take advantage of growth opportunities, without giving up equity.
Less than perfect credit is not a barrier
Collateral is not required on amounts up to $725,000
Flexible terms up to 36 months
There is very little paperwork
Approvals are granted quickly
Excellent customer service
The interest is tax deductible.
Fast and convenient
Saves money
Keeps you in control of your business


 Invoice & Accounts Receivable Factoring

Factoring gives you the cash you need. You don’t need a loan to keep your day-to-day business running. You need factoring.

Today’s business practices often force you into long waits for payment. Factoring eliminates those waits, creating predictable cash flow and fueling your company’s growth.

Go To Our Factoring  Page for More Information

Offering Funding Capabilities to the following Business Types
& up to 13.75% of their Annual Sales Volume

• Bakeries
• Barber/Beauty/Spas
• Bars & Nightclubs
• Bed & Breakfast Inns
• Bicycle Shops
• Book Stores
• Bowling Alleys
• Builders & Contractors
• Business Services
• Cafes in Fitness Centers
• Camera Stores
• Candy Stores
• Car Dealerships*
• Car Washes
• Caterers
• Cheese Stores
• Chiropractors
• Cigar Stores
• Coffee Shops

• Dentists
• Doctors
• Drug Stores
• Dry Cleaners
• Edible Arrangements
• Florists
• Food Gift Basket Stores
• Franchises
• Gas Stations
• Gift Stores
• Gourmet Food Stores
• Gourmet Popcorn Stores
• Grocery Stores
• Hardware Stores
• Hobby Stores
• Honey Baked Ham Stores
• Hotels & Motels
• Ice Cream/Yogurt Stores
• Jewelry Stores
• Liquor Stores
• Luggage Stores
Medical Practices
• Orthodontists
• Pet Stores
• Photo Studios
• Quick Copy
• Radio/TV Stores
• Restaurants
• Retail Baked Goods
• Shoe Stores
• Smoothie Shops
• Sporting Good Stores
• Take Out Meals
• Taverns
• Toy Stores
• Veterinarians
• Video Rental Stores
* Car Dealerships with financing arm <20% of Revenue.​​

       Provide a Detailed Loan Scenario on our 
   Business Working Capital Loan Submission Form    
        page and we’ll get back to you quickly.

Thank you, and we look forward to serving you now and in the future.