Chose From Our Programs

Use the Calculator To Figure which Application to Complete

We have three primary types small business financing programs to chose from:

  1. Fixed-Term Business Loan
  2. Business Cash Advance
  3. Low-Credit Business Cash Advance

If you would like to discuss this with us, contact us at 1-877-221-3003 and we can tell you what programs you'll most likely qualify for, and then get the review underway. Or, you can decided based on these guidelines, which include for all: (a) not home-based, (b) must own a business, (c) average ticket (per charge per customer) < $500, (d) batch 10-15 times per month, plus:

  1. Premium. FICO > 650, Monthly Credit Card > $10,000, >1 Yr In Business, Not On Prohibited Industry List
  2. Standard. FICO>500, Monthly Credit Card Sales > $3,500, > 5 months in business, 9-12 months left on business lease, Not On Prohibited Industry List
  3. Starter Business Cash Advance. FICO > 400, Monthly Credit Card Sales > $3,500, Not On Prohibited Industry List

THE RESULT OF THE CALCULATOR

This tells you what application to fill out and generally what you might expect as we review your application. There are three kinds of advances.

For Premium, you should visit the Premium Business Advance page. For Standard and Starter, you should visit the Standard Business Advance page.

Average Monthly Sales

First, figure out your business' average monthly sales over the past four months. If you have a seasonal business (peak to trough revenues vary by more than 25%), then you should consider the past 12 months' average sales. This figure should include checks, cash, credit card and other sales.

Average Monthly Credit Card Sales

Second, figure out your business' average monthly credit card sales from Visa and Mastercard only over the past four months. Similar to the over sales calculations, if credit card sales are seasonal, calculate the average over the past 12 months.

Prohibited List

Determine if your industry type is on the Prohibited List. If it is on the list, type 1 in the calculator. If it is not on the list, then type 2 in the calculator.

Period of Ownership

For how long has the current owner or owners controlled the business.

Credit Score

Estimate the owners personal credit score (FICO). If you do not know it, you can do a free credit check, or visit our page that discusses FICO score for more information.

Other Factors

Other factors are not included in the calculator such as number of months left on the business lease, bankruptcies, liens, average ticket, average balance in bank account, and business credit ratings. There are still more that may be take into account.

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Questions?

Please feel free to contact us at 510-962-3070 or 877-221-3003 if you have any questions about applying.