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BUSINESS LOANS

$4,000 – $1,000,000

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EASY APPLICATION,

NO OBLIGATION

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COMMITTED TO

HELPING YOU GROW

Merchant Cash Advance

A Merchant Cash Advance ( MCA ) is an innovative alternative to a traditional small business loan. Capital for Business utilizes your expected future credit and debit card sales to be able to provide you with working capital so you can put your business plans into action.

Instead of fixed daily payments, the repayment for MCA funding is completely flexible and works alongside your natural cash flow. During the length of your payback period, a small percentage of your daily credit/debit card sales are withheld until the advance is paid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down.

The best solution for businesses with high credit card volume

Benefits of a Merchant Cash Advance:

  • Based on debit and credit card sales
  • Working Capital from $5K to $500K
  • No collateral required
  • No restrictions on the use
  • Early payoff discounts
  • Frees up other forms of small business financing

Frees up other forms of small business financing

Another benefit of a merchant cash advance is that your business can use other types of financing at the same time as a merchant cash advance, which can be useful for lots of businesses. For example, if you have a business line of credit or even an equipment lease in place already, it’s possible to add a merchant cash advance for more cash flow at the same time.

A Merchant Cash Advance is right for you if:

Your business accepts credit cards as a form of payment from customers

• You are looking for something that is flexible

• If you struggle with your credit and have a poor credit history

• Your sales tend to fluctuate and so you want to pay as you go

Can I get a Merchant Cash Advance?

If you are a business owner that accepts credit cards to take payments from customers, you’ll be able to apply for a merchant cash advance, as a matter of fact, any business owner that receives payment via a card terminal can get a merchant cash advance. A lender can see what the business makes over an average month, they can agree on a mca funding amount and a repayment plan much faster and easier than with other options, so a merchant cash advance is a great solution for businesses that don’t have valuable assets, poor credit or just need cash fast.

How do I qualify?

  • You’ve been processing credit cards for at least 90+ days
  • You process at least $5,000 in credit card sales per month
  • No bankruptcies

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 Loans

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.

  • highest loan amounts
  • lowest APRs
  • long repayment periods of up to 25 years
  • lots of available loan types

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%
  • Only pay interest on funds drawn
  • Credit is available when needed
  • Nearly every industry-accepted
  • Apply for loans online and link your business information securely

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.

  • Receive up to $500k in working capital
  • Factor rates as low as 1.15
  • Easy business loan application process
  • Flexible loan repayment
  • 6 to a 24-month loan term

Small Business Loans

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.

  • Get up to $500k in business funding within 24 hours
  • Factor rates start at 1.15 and interest rates as low as 9.99%
  • Easy business loan application process
  • Flexible financing terms
  • No collateral needed

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.

  • 90% approval rates with business loans for bad credit
  • hassle-free application process
  • All credit scores are considered

Equipment Financing

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.

  • No collateral needed
  • Simple, fixed monthly payments
  • Same-day funding up to $250,000
  • Potential Section 179 tax deduction

Invoice Factoring 

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.

  • Competitive receivable financing rates with same day decisions
  • Improve Cash Flow Without Incurring Debt
  • Factoring Outstanding Receivables up to $2.5 MM

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!

complete the form for a business loan

Apply in minutes

Complete a single small business loan application. It takes less than 5 minutes.

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in hours

The best small business financing options tailored to your business needs.

flie moneyReceive funds in as
little as one day!

Capital for Business makes your small business financing experience fast, simple, and affordable.

Apply in Minutes

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Merchant Cash Advance Resources

Trends and Tactics

merchant cash advance, mca

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

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.

 

 

 

 

 

How Can I Pay Back a Business Loan More Quickly?

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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