Better Business Bureau
A+ Rated
Since 2008
Raised Over
$100MM+
Total Dollars
Funded
Helped Over
1,500+
Companies
With Funding
Managed Over
140+ Client
Portfolios
Our Personalized Growth & Expansion Financing Options Are Here to Enhance Your Business Funding Journey
SBA Loans
If you're an existing business owner and are looking for additional capital, small business administration loan programs are a great way to do that. Unlike conventional term loans, an SBA Loan offers business owners the opportunity to take advantage of favorable terms as part of the SBA program, while removing some of the barriers to traditional financing options.
Conventional Bank Financing
Conventional financing — or conventional lending — is a lending solution that is not secured or offered by the U.S. government. Instead, conventional loans are made through private lenders and have a fixed interest rate that doesn't change throughout the length of the loan. Conventional financing is used typically for financing everything from home purchases to the refinancing of a mortgage.
Leasehold Improvements
Leasehold improvements are changes made to the leased space by a tenant’s own design or through negotiation with the landlord. These improvements can be costly and time consuming, so it may be beneficial to consider options such as lease improvement financing that allow you to borrow funds on an interim basis at competitive rates while the work is being performed.
Capital Raise
An innovative first step to raising capital to grow your business. Your business may have a great idea, but if you don't have the money to put that idea into action it doesn't matter how amazing your product or service is. If you want to take your business from good to great, we hope you will consider our capital raising services us as your first choice for all your complete lending needs.
How Our Private Lending Process Works
Apply For Funding
Complete our simple and easy application process and we’ll take care of the rest. One of our financial advisors will reach out to you within 24hrs to schedule a meeting.
Documentation
A short list of required documentation & request for additional information gets sent out followed by a final reviewal stage with our experts to cross our t's and dot our i's.
Formal Request
At this stage, a formal request is presented to you, outlining your business needs, pain points and goals discovered in previous meetings.
Expert Analysis
Once we review your application, our experts analyze the current state of your business and develop a tailored flexible financing option plan for you and your business.
Funding
Once you are approved, we'll coordinate and schedule the release of your funds, providing you with the resources necessary to achieve the growth or expansion you desire for your business.
Loan Calculator
Lets See if We're a Match
You must be 18 years or older to request a loan
Have a credit score of at least 600 when applying
Have been in business for 1 year or experience in your trade for a minimum of 2 years
Average monthly sales of no less than $40,000 a month
Factor Rates vs. Interest Rates: Which Lending Answer is Best for Your Business?
Factor rates and interest rates are two common loan rates used by lenders to finance small businesses. Factor rates are typically used for short-term loans and merchant cash advances, while interest rates are commonly used for long-term loans. When choosing between the two rates, businesses should consider their financial situation and goals to determine which option is best suited for their needs.
Is Traditional Financing the Best Option...
Traditional financing refers to the process of obtaining funding for a business from a bank or other traditional lending institution. Traditional lenders typically have strict requirements for borrowers, including...
From Banks to Online Lenders: Understand...
When it comes to obtaining financing for a business, there are a variety of lenders and loan types to choose from. While traditional financing is the first option that comes to mind, private lending can offer signi...
Factor Rates vs. Interest Rates: Which L...
Factor rates and interest rates are two common loan rates used by lenders to finance small businesses. Factor rates are typically used for short-term loans and merchant cash advances, while interest rates are commo...
How to Maintain and Extend the Lifespan ...
A semi truck trailer is a significant investment, and you want to ensure that it lasts as long as possible. Proper maintenance is the key to extending the lifespan of your trailer, as well as improving safety and r...
What Our Clients Say
Don't believe us, believe them!
Merchant Flow delivers a great service. They have the talent to get results. I highly recommend giving them a try for your financing needs.
- Adler Milord
'I would personally like to say thank you to Merchant flow financial, not even an hour ago I closed on my deal. I’m officially an owner operator and needless to say I owe a great deal of the process to Merchant Flow Financial and Conroy Williamson f...
- Jersey Roc Rare Breed
'Honestly I don't know if I would still be in business if not for the expert services of Conroy & his team. I can't thank them enough for everything they have done for me. 10/10 A1 service is all they do I will recommend Conroy Williamson to anyon...
- Chasity Perez
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