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.
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What Is a Merchant Cash Advance?
If you’ve been researching business funding, you’ve probably run into the term “merchant cash advance” and wondered whether it’s a loan, a credit line, or something else entirely. It’s none of those e...
If you've been researching business funding, you've probably run into the term "merchant cash advance" and wondered whether it's a loan, a credit line, or something else entirely. It's none of those exactly, and understanding what it actually is makes it a lot easier to decide if it's the right fit for your business.
Here's a plain-language breakdown of how a merchant cash advance works, who it tends to fit, and what to weigh before choosing one.
What a Merchant Cash Advance Actually Is
A merchant cash advance, or MCA, isn't technically a loan. It's a purchase of a portion of your future sales. A funding company gives your business a lump sum upfront, and in exchange, you agree to pay back a fixed amount, calculated from that lump sum plus a fee, out of your future revenue.
Because it's structured as a sale of future receivables rather than a loan, an MCA is approved and funded differently than traditional financing. Approval tends to focus heavily on recent sales volume rather than years in business or a high credit score.
How Repayment Works
Instead of a fixed monthly payment, MCA repayment is usually taken as a percentage of your daily or weekly card and cash sales, or as a fixed daily or weekly withdrawal from your bank account. When sales are strong, you pay back faster. When sales slow down, the payment amount can adjust with it, since it's tied to actual revenue coming in.
This is one of the biggest structural differences from a term loan, where the payment amount stays the same no matter how business is going that month.
Who a Merchant Cash Advance Fits Best
MCAs tend to fit businesses with strong, consistent sales volume but limited collateral, a short time in business, or a credit history that doesn't reflect current performance. Retail, restaurants, and other businesses with steady card transaction volume are common users, since repayment is built around that kind of revenue pattern.
What It Costs Compared to a Traditional Loan
MCAs are typically priced using a factor rate rather than an interest rate, for example, borrowing $50,000 at a 1.3 factor rate means paying back $65,000 total. Factor rates aren't directly comparable to an annual percentage rate the way a traditional loan is, which makes MCAs one of the harder funding products to compare apples-to-apples. It's worth asking any lender to walk through the total repayment amount and effective cost in plain dollar terms, not just the factor rate.
Questions to Ask Before You Sign
Before agreeing to an MCA, it's worth asking: What is the total repayment amount, not just the advance amount? How is the repayment percentage or daily withdrawal calculated? Is there a prepayment discount if you pay it off early? And how does this compare to other options you might qualify for, like a working capital loan or business line of credit?
An MCA can be a fast, flexible source of funding when it fits your revenue pattern. It's just important to understand exactly what you're agreeing to, since the structure is different enough from a traditional loan that assumptions from past borrowing experience don't always carry over. If you're not sure whether an MCA or another option fits your situation better, our team can walk through the numbers with you, usually with an answer back within 24 hours.
A merchant cash advance, or MCA, is a purchase of a portion of your future sales rather than a loan. A funding company gives your business a lump sum upfront, and you repay a fixed amount, calculated from that lump sum plus a fee, out of future revenue.
Instead of a fixed monthly payment, repayment is usually taken as a percentage of your daily or weekly card and cash sales, or as a fixed daily or weekly withdrawal from your bank account, so the payment amount adjusts with how sales are going.
MCAs are typically priced using a factor rate rather than an interest rate. For example, borrowing $50,000 at a 1.3 factor rate means paying back $65,000 total, and it's worth asking any lender to walk through the total repayment amount and effective cost in plain dollar terms.