We provide small business financing up to $150,000 for businesses that may have been turned down by the bank. How much will by my business qualify for? If you own a business, we size the loan based the amount of its cash flow. Generally, higher business cash flow will compensate for a lower credit rating. Payback periods are typically under one year. We have several different financing programs (loan, advance) available to fund growth across many industries. Your business can repay from the checking account or from the merchant credit card account.
Most Will Qualify: You must own a business. We have programs that require no personal repayment guarantee and some require no credit check at all.
Get Cash Fast: We can pre-qualify you in ten minutes. Approval usually takes 1-2 days, and once approved, you get funded in 5-7 days.
Credit Score (FICO) (1)
(1) Other factors considered. (2) Advances are estimates, (3) Some programs involve no credit inquiry.
We are often asked whether we can provide financing to companies with a short operating history. If you are starting a new restaurant and have built out the space and the menus are ready, you may qualify for our new restaraunt funding program. If, on the other hand, you are looking for startup funding and have no revenues, we recommend you begin accepting credit cards with our assistance, and then after 3 to 4 months, apply online for small business funding. Additionally, we accept applications for startups under our Startups Program.
Several of the programs in our portfolio can be used as a substitute for other programs. Take for instance, if you were looking a business line of credit. Since we can provide financing in about a week with a small business loan or a business cash advance, then you can use this fast funding as an alternative to a line of credit. You might be wondering how to estimate the amount you'd qualify for in this situation. To make sure, you should apply now online, at no cost to you, and receive a formal quote that will tell you how much money you can get, what the payback is, the terms, and whether you'd qualify for a small business loan, a business cash advance or a low credit merchant cash advance. Its a small investment of time but well worthwhile.
We can offer small business loans in various locations such as New York, California, Arizona, Illinois, Pennsylvania, Ohio, Georgia, Massachusetts, Nevada, Florida, New Jersey, and Texas. We are located in California in Alameda County and New York.
If you do not know your credit rating, or you don't know where to start, its no problem. You can simply apply now online, and we'll determine what program is most suitable. It is important to maintain as a high a credit rating as possible, because this can lower your financing costs. For instance, if you have a FICO score in the 600's, you may qualify for a Fixed-Term Business Loan, such as our fixed-term business loan. On the other hand, if your FICO score is in the 500's, then you're more likely to qualify for a Business Cash Advance, which has a higher rate than a small business loan.
An alternative to this approach - and one that you can do online - is to get a free credit estimate, and then use this information to determine which of our five types of programs is most likely to fit.
Additionally, you can learn about how FICO scores work by reviewing our page about FICO and Credit Scores.
A restaurant that is planning to open or that has been open for less than a month may qualify for this cash advance program. You must demonstrate a plan to reach $25,000 per month in the future. Please contact us at 1-877-221-3003 for more information.
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