$4,000 – $1,000,000
HELPING YOU GROW
Merchant Cash Advance
Other Small Business Financing Options
What is the Best Business Loan for Your Small Business?
Whether you’re expanding your business, investing in marketing or advertising, or managing cash flow, it’s hard to grow without the right kind of small business financing.
SBA 7(a) loans from $30,000 – $350,000 from the Capital for Business network can be used for debt refinancing and working capital. Working capital includes operational expenses, marketing, hiring, etc. SBA loans can be used to fund new equipment purchases as well.
SBA Commercial Real Estate Loans from $500,000 – $5 million from the Capital for Business network can be used to purchase or refinance commercial real estate that is 51% owner-occupied.
Bank Term Loans
A Bank Term loan from lenders in the Capital for Business network is between 2-5 years and loan amounts anywhere from $30,000 to $500,000
- $30,000 to $500,000 loan amounts
- 2-5 year terms
- Fixed interest rate from 7.99%
- Monthly repayments
Business Line of Credit
A business line of credit provided by Capital for Business is based on the revolving credit. That means you can use the funds over and over again. Having a business line of credit provides you with extra flexibility and peace of mind when it comes to injecting money into your daily operations. It helps you avoid downtime and make sure things are running smoothly
- Receive up to $250k with a business line of credit
- Business lines of credit rates as low as 6%
Working Capital Loans
A working capital loan can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for our working capital loans or short-term funding, the required documentation is limited and perfect credit is not needed.
Nearly every industry can get a working capital loan. Working capital loans are perfect for business owners who need short-term funding to grow. Working capital loans are simple, fast, and affordable and are designed to help with seasonal shortcomings with revenue, or the need to boost inventory.
Small Business Loans
A small business loan from our marketplace of 100+ alternative lenders will enable you to get the capital you need for your business growth. Our high approval rates mean that we say ‘Yes’ when banks say no. Our lending process which takes less than 5 minutes will not affect your fico score and we boast a 24-hour loan approval.
Business Loans for Bad Credit
we have bad credit business funding options for business owners with bad credit. Bad credit shouldn’t affect your ability to receive a small business loan so our loan advisors take look at your business revenue and potential, rather than your credit score to find alternative lending options for your business.
Are you in the need of new business equipment but don’t have the necessary capital on hand to pay for it? Equipment financing done with Capital for Business is truly simple fast and affordable. We are a top-of-the-line marketplace alternative lender that can provide you with same-day funding to purchase any type of equipment that your business may need.
Whether software, heavy construction equipment, vehicles, and much more. You will repay your equipment loan with low monthly payments and we keep the upfront cost minimal to something that your business can afford.
At Capital for Business, Invoice factoring is a quick and flexible source of funds for businesses that are waiting for outstanding receivables to pay. We simply utilize your accounts receivable as the collateral and advance funds against the face value of your invoices. Invoice factoring allows your credit line to grow proportionately with your sales cycle. We can fund as little as $5,000 a month and up to $2.5 million for larger companies.
Business Credit Cards
Business credit cards act as a revolving line of credit and are used for both purchases and payments. Businesses use credit cards with other loan products and are usually used for working capital purposes. Pre-revenue and startup companies can apply and receive these cards also, as well as established companies, of course. The biggest factor for approval is the strength of personal credit.
- Up to $150k
- Rates: interest rates starting at 0% intro rate for the first 6-18 months* and up to 19.99%
- Repayment: Revolving, credit cards are personal lines of credit.
- Fees: 3% to 5% origination fees
- Payments: Low monthly payments
- No collateral required
Credit Score: Must have a good credit score, at least a 680-fico score, good credit history, and a credit utilization not over 35%. Bad credit is not allowed
No Annual Revenue requirements to apply
- *not all cards have intro rates in our business credit card network
Capital for Business is your reliable small business loan marketplace
Are you looking for ways to get small business financing? Capital for Business is a reliable marketplace lender trusted by thousands of small business owners across the U.S. and Canada.
For more than 15 years, we have been helping small businesses grow and develop their companies. Flexible terms and rates based on your business’ performance, and not solely personal credit history, may make Capital for Business loan an attractive option.
How to get Business Funding
OUR MERCHANT CASH ADVANCE APPLICATION PROCESS
Get Small Business Funding in as Little as 24 Hours
In just three easy steps, you can access the right financing solution for your business. Our fast application and 24-hour funding process give you the working capital needed to grow your business in no time!
Apply in Minutes
Tell us about your business
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Merchant Cash Advance Resources
Trends and Tactics
How a Merchant Cash Advance streamlines your operations
If you’re looking for a fast, flexible solution to cash flow issues or short-term projects, a merchant cash advance (MCA) could give your business that extra breathing room it needs. Honestly, the first thing that comes first to mind when a business owner needs working capital is their local bank. But traditional bank loans take time, and for the most part, they’re harder to qualify for. If you need fast cash for unexpected expenses, and you don’t have the luxury of waiting. During desperate times, a merchant cash advance (MCA) is an option that most business owners should consider.
Manage Cash Flows for Timely Loan Payments
When we hear cash is king, it is true. For small business owners, having a grip on their cash holdings can be critical to future growth and success. No matter how good your balance sheet or income statement looks, if the cash at hand and cash at the bank isn’t showing prominent signs of growth, it can lead to potential bankruptcy. Businesses that don’t excel in handling their cash might find it harder down the line to receive loans because confidence in their ability to repay them would not exist.
Will CECL Affect How Businesses Get Loans?
Most businesses, large and small, depend on credit to operate. Whether this credit is used for daily operations, improvements, investments, or other types of funded transactions, accessing credit to meet these obligations is often crucial. The process of obtaining credit might soon change as financial institutions begin implementing the new current expected credit loss (CECL) standard. Read on to find out more about the CECL and what it might mean for your business.
FAQ: Merchant Cash Advance (MCA)
A merchant cash advance (MCA) or business cash advance is a form of business financing in which a lump sum of funding is given to a business in exchange for an agreed-upon percentage of future revenues or credit card sales. Merchant cash advances come in different forms and often have shorter durations and smaller regular remittance amounts than business term loans, making them ideal for small business owners who need flexible options to satisfy their funding due to fluctuating revenue.
Not to get confused, but a business cash advance and a merchant cash advance are the very same thing
Unlike a loan, we provide your business with capital by purchasing a percentage of your future credit card sales and debit card sales. Daily remittances are an agreed-upon percentage of your sales that are automatically deducted by credit card processing or from your bank account. Cash advances are a perfect solution for seasonal businesses or ones with fluctuating revenue because they ensure that your remittances are based on what you can afford.
A merchant cash advance will not hurt your credit score or even give you bad credit, but it will indirectly lower your credit utilization ratio.
Yes, depending on your situation and small business financing needs there are several financing options that might work better than an MCA
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