Programs we currently offer

Unsecured Business Lines of Credit up to $250,000

Business financing can be difficult to obtain or completely inaccessible for many entrepreneurs, but unsecured business lines of credit can be obtained by just about any business owner. Unsecured business lines of credit is one of the most accessible type of business financing there is.

A business line of credit is a financial safety net for your business. It’s also one of the most flexible forms of financing. You can use it for buying equipment, hiring staff, increasing inventory, adding a second location, paying invoices, installing a cappuccino machine, and more.

And because a line of credit is revolving, you can use it as many times as you want. As soon as you repay what you’ve used, those funds become available to you again.

Benefits:
Good when short-term needs arise, such as repairs, financing receivables, marketing, adding inventory, or handling payroll, a line of credit can be ideal for providing the money you need in a hurry.

- 0% interest for 6-13 months
- No minimum length of time in business (startups welcomed)
- Stated Income (No proven financials) 
- No upfront fees
- Reports only to the business (No personal reporting)

Pre-qualification criteria:

- 650 (preferably 680+ personal credit scores in all 3 bureaus) (Co-signers accepted) 
- Must have a legal entity (s-corp, c-corp, inc, LLC)

- A strong credit history

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Term Loans up to $450,000 Liquid

A term loan is what you’re probably thinking of when you say “small business loan.” It’s a classic financing option to help power the growth of small businesses. With a business term loan, a small business can borrow a lump sum from a lender that is paid back in steady increments over the set borrowing period, or term.
 

Benefits:
-Even if the interest rate associated with a specific business loan is higher than what you’d find with a business line of credit, the silver lining is that it’s a fixed rate. A line of credit has variable rates, meaning that if you make late payments or accidentally exceed the credit limit, you will likely be penalized with a higher rate.

-Because business loans have fixed rates, longer repayment terms, and higher dollar amounts, they’re better for long-term financing.

Equipment Financing

Many small business owners hear about equipment financing and think of tractors and backhoes. Yes, construction equipment is totally financeable – but so is a bunch of other stuff.

In fact, there’s an equipment financing option to cover tools and resources for just about every small business industry. Big or small, basic or complicated, doohickey or doodad – whatever you need, we’ll help you cover the costs.

Here are just some of the small business needs you can cover with equipment financing:

  • Forklifts, workbenches, and conveyor belts
  • Point-of-sale payment processing software and hardware
  • Commercial ovens, grills, deep fryers, freezers, food processors, and more
  • Office furniture and fixtures – everything from cubicles and desk sets to rugs and lighting
  • Software, including operating systems, CRMs, accounting programs, and more
  • Appliances like telephones, refrigerators, coffee makers, and more
  • Food trucks, delivery vehicles, company cars, and trailers
  • Solar panels and HVAC units

Payment Processing

Eliminate 95% Of Your Processing Fees.

Save Money With Our Standard Processing, Or Save A Bunch With Our New Edge Processing.

Plug and play equipment will arrive ready to use and pre-programmed with the non cash adjustment of 4%.

With the Edge program you can accept all major credit cards and EBT where applicable.

Also, if you decide you want to offer an individual credit card user the discounted for cash price, you'll have the option to waive the non cash adjustment at checkout.

Edge provides the technology that makes this happen easily for you.


Reverse Consolidation

Are High Daily Payments Draining Your Cash Flow?

Our reverse consolidation program can help reduce cash advance balances by up 50% and advance up to 2x of your projected monthly revenue.

$396.00 - Current Payment
$198.00 - New Payment

Reverse Consolidations are for business owners who are currently overleveraged by existing Merchant Cash Advance positions. Reverse Consolidations function like a Merchant Cash Advance and are repaid with automatic daily or weekly withdrawals, but at a reduced amount against the outstanding positions.

Business owners are provided with a lump sum deposit directly into their business bank account.

PLEASE NOTE: Reverse Consolidation is not Loan Consolidation or Debt Restructuring, it is to help business owners who can’t afford multiple ongoing daily or weekly MCA payments.