Our Programs

Reverse Consolidation

A Reverse Consolidation is a transaction where the business receives a Merchant Cash Advance that provides enough money into the business bank account daily or weekly to pay for the single or multiple merchant cash advances previously contracted.

Government Contract Financing

While government contracts can represent great opportunities for small business the reality is, they can tie up operating capital for months due to needed approvals or milestones. We can purchase government contracts and invoices and provide the necessary funding for your cashflow.

Merchant Cash Advance

A Merchant Cash Advance known as an MCA is the purchase of an agreed upon amount of the businesses future credit card or other receivables for a specified discount amount. The advanced monies are repaid by debiting on a daily basis from the business an agreed upon percentage of receipts.

Construction Funding

Obtaining construction funding is always a challenge due to the constantly changing industry. We can provide the working capital for building materials, marketing and advertising, hiring contractors and more. All with flexible payment terms.

Invoice Factoring

Invoice factoring is where a business sells its accounts receivable (invoices) at a discount to receive needed capital today.Our program is verifying the invoice value, provides capital against the invoice, your customer pays the money to a lockbox account controlled by us.

Purchase Order Financing

Importers, distributors and resellers often need capital to bridge the gap between financing purchase orders to suppliers and waiting on invoices to customers. As your business grows the strain on cash flow increases. We can provide PO funding, Vendor Guarantees and A/R Management.

A/R Line of Credit

An A/R Line of Credit is a suitable product to speed up cash-flow so that your business does not need to wait 30-90 days for your clients to pay you. It is half the cost of invoice factoring with a better structure with no invoice notification requirement. With factoring you get one rate up to 30 days past invoice date, but that rate keeps getting increased every 10 or 15 days your customer does not pay their invoice.

Bank Line of Credit

A business line of credit allows you to borrow up to a certain limit and only pay interest on the money you borrow — similar to the way a credit card works. You then repay the funds and can continue to draw on the line.Unlike a traditional small-business loan — where you receive a lump sum of capital and repay it over a specific period of time, with interest — a business line of credit is a more flexible form of financing.

Unsecured Advances

Unsecured Advances The 7(a) Loan Program, SBA’s most common loan program, includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for: Short- and long-term working capital Refinance current business debt Purchase furniture, fixtures, and supplies The maximum loan amount for a 7(a) loan is $5 million.

SBA Loans

An unsecured advance / business loan is most suitable for companies who have need short-term liquidity and working capital need quickly. This type of business loan allows companies who have a senior secured lender and do not want to sell equity (or are unable to), with under $3 million of EBITDA access to efficient capital. This type of facility allows companies to get through an inflection point or close on an event that will increase their enterprise value without dilution of shareholders equity. No collateral is required. Tax liens and/or prior bankruptcies are okay. Owners with higher personal credit would qualify for cheaper pricing. Approvals are submitted in under 24 hours, with funding to follow within 1-2 business days.

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Junior Term Loans

Junior Term Loans are the most inexpensive junior capital facility currently offered in the United States. Companies with profitable corporate tax returns qualify for this facility and can receive funding at 9.50% annually with low monthly payments and no prepayment penalties. This product is suitable for companies that need additional working capital behind their senior secured lender and require no collateral. The terms and structure of a junior term loan are generally more attractive than a merchant cash advance. To qualify, client needs to have a credit score above 650. The application also includes no upfront costs or application fees.

Asset Based Lending

Unsecured Advances Asset based loans are generally used by small to mid-sized businesses to cover short to long term cash flow demands and are secured by some sort of collateral. Examples of collateral include account receivable, inventory, equipment, real estate, or other property owned by the borrower. This product could be best suited for high growth companies who need capital that will grow along-side revenues, A/R, and inventory. Years in business and poor personal credit are not obstacles to receiving approval for a loan.

Highlights

CHECK SIZE

85-90% of A/R less than 90 days old. Inventory: 50-
65% advance rate at cost (can sometimes borrow against raw goods/goods in transit)

RATE

Start at Prime/SOFR

​TERM

The initial term is 2-3 years, then auto-renews after that
unless you want to cancel.

TIME TO CLOSE

30-45 days from a signed term sheet

​SECURITY

Senior Secured


PG

Depends on the transaction, typically required with Inventory
borrowing

The A/R line of credit product offers one low interest rate up to 90 days past invoice date. If you currently have an invoice factoring product, you may want to consider switching to an A/R line of credit as a significantly more cost-effective capital tool. Factoring products generally come with hidden fees if you want to void the agreement. Clients general save tens of thousands of dollars by switching from factoring to an A/R Line of Credit.

Highlights

TIME TO CLOSE

4-6 weeks from a signed term sheet

SECURITY

Senior Secured

PG

Sometimes required, depends on the owner’s credit/facility size

CHECK SIZE

$1-$50+ Million

RATE

Start at Prime or SOFR

TERM

Varies, depends on the bank and structure

Highlights

CHECK SIZE

10% of trailing twelve-month sales or 1x last month’s sales

RATE

High single digits-Mid 20’s (Prepayment discounts offered in first half of the
investment)

TERM

8-24 months

TIME TO CLOSE

3-4 business days.

SECURITY

Security: Subordinate, can be fully unsecured with no UCC filing in
some cases

PG

None. Validity guarantee ‘bad-boy’ clause.

Highlights

CHECK SIZE

Depends on profitability of 2 most recent tax returns
(Up to $500,000)

RATE

Start at 9.50%

TERM

4-5 years with a monthly payment (no prepayment
penalties)

TIME TO CLOSE

2-3 weeks

SECURITY

Subordinate to any senior secured lender

PG

Required

Highlights

CHECK SIZE

$1 million- $50+ million

RATE

Start at Prime +1

TERM

Depends if it is term debt or a line of credit

TIME TO CLOSE

4-6 weeks from a signed term sheet

SECURITY

Senior secured on all assets

​Personal Guarantee

No true personal guarantee
required (Validity Guarantee)

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