Line of Credit

A line of credit is an approved amount that is available for you to draw on at any time needed. Payments are flexible, and rates are very competitive without the headache of proceeding through a bank. We can have your line of credit available within 24 hours of your application.
  • Rates from 6-18%
  • Monthly rates so you get no prepayment penalty, only discounts.
  • As payments are made, more capital is available.

SBA Loans

There are multiple types of SBA loans
SBA 7(a): This is the primary SBA guaranteed loan. With the limit up to $5 million, this can be used to refinance current debt, purchase equipment, supplies, or property with added working capital.
SBA 504: These are long-term fixed-rate loans used to acquire real estate, equipment through commercial lending firms. With the limit up to $15 million, these can be used for retention, or to expand your business.
SBA Express: The express SBA loans are offered up to $350,000 and the turnaround time is much faster, with an average closing time period of 1 month.

Small Business Financial Services

Creating access for business owners to bring a new level of success forward.

Accounts Receivable Financing

Accounts receivable financing allows you (small business) to receive early payment on your outstanding invoices. You may commit some, or all of your outstanding invoices to a funder for early payment, in return for a small fee.

  • Rates from 2% – 7%
  • 30, 60, 90-day invoices
  • Payments are made when invoice is paid

Merchant Cash Advance

A merchant cash advance (MCA) is not a loan, but rather a cash advance based upon the gross sales deposited into a business bank account.  You (business owner) can apply for an MCA and have funds deposited into your business checking account – sometimes as quickly as 24 hours after approval.

  • Terms between 6 and 24 months
  • Funding in as little as 24 hours
  • Daily, weekly, or bi-weekly payments

Term Loan

Term loans are generally provided as working capital for equipment purchase, inventory orders, or even debt consolidations. Unsecured 2-7 year loans payable in a fixed number of equal installments over the term of the loan.

  • Monthly Payments
  • Rates from 6-20% APR
  • Terms form 2-7 Years

Asset-Based Lending

An asset-based loan is a business loan secured by collateral. The asset-based loan, or line of credit, is secured by real estate, inventory, equipment, and/or other balance-sheet assets.

  • Rates from 6% to 23% APR
  • Terms 1-10 Years
  • Monthly Payments

Equipment Financing

For businesses looking to purchase new equipment with flexibility.

  • Rates from 5 -15% APR
  • Terms 5 Years
  • Monthly Payments

Credit Counsel

Good credit is crucial for all aspects of life. Credit counsel is the process of fixing poor credit that may have deteriorated for a variety of different reasons. Repairing your credit may be as simple as disputing mistaken information with the credit agencies. Credit lines will also be improved through credit authorizations.

  • Increase credit lines
  • Decrease credit usage
  • Dispute hard inquiries