At some point along your journey as a business owner, you are most likely going to rely on borrowing capital whether from a bank or alternative lending source. For most business owners with bad credit or under 2 years time in business, their options for capital are slim. That’s where Merchant Cash Advances come in handy.

Merchant cash advances provide a quick and efficient way to almost immediately receive funds. Often these advances can fund same day or within 24 hours of the borrower signing contracts. Businesses need fast money to cover expenses such as payroll, fill in receivable gaps…

The difference between secured and unsecured business loans can be summed up in a single word: collateral.

Lenders want to be sure to get their money back therefore their highest priority is to make sure they mitigate their risk as much as possible. For a secured business loan, a borrower pledges a valuable business or personal asset — such as real estate, business equipment, a vehicle, inventory or accounts receivable — as collateral. The collateral lowers the lender’s risk of losing money because it can sell the asset for cash if a borrower defaults on a loan.

With unsecured business…

It’s no secret that every Small Business has its ups and downs, especially in an uncertain global economy. If a slow quarter crushed your credit score, it could affect your ability to get a business loan when you need additional capital to keep operations progressing.

Lenders use credit reports as a tool for determining a borrower’s risk level before lending out any cash. If your credit report reveals a history of missed payments or a high amount of existing debt, you will have trouble getting a business loan at a traditional bank or credit union. …

One of the biggest challenges for new business owners and those with rough credit is qualifying for financing on the Heavy Equipment they need in order to hit the ground running or to expand their current operation and take on larger projects.

The unfortunate reality is that banks don’t want to fund your deal unless you have sufficient time in business (2 years+ means you have broken free from the startup phase), credit worthiness (680+ AND comparable credit), and consistent financials. …

Frequently Asked Questions

1. Where can I submit a loan request?

Via e-mail to

2. Where do you offer financing?

In all 50 states.

3. What type of businesses do you finance?

It will vary depending on the loan program, but we have options for every industry. We do NOT offer venture capital, purchase order financing, or loans based on business plans/projections.

4. How much funding can I receive?

All loans are based on capacity of repayment, as shown through bank statements, tax returns, and/or credit history. We will always approve for the maximum possible amount, ranging from $20K to $5MM.

5. Are there any fees associated with your loans?

There are never any upfront application fees. For certain loans, there may be origination/processing fees which would be disclosed on a contract and only deducted after successful funding.

6. Do you conduct a hard or soft credit pull?

This varies depending on the loan type. Typically, a soft inquiry is done initially for a pre-approval. Once an offer has been accepted, a hard inquiry is done. In some cases, only soft inquiries (or no credit checks) are done..

7. Do you work with brokers/referral partners?

Yes, we do. Please contact for more information.

What is a Business Loan Broker?

A Business Loan Broker (Commercial Loan Broker) helps small business owners by arranging business financing through a network of business financing products and lenders and funders that the business loan broker has built a relationship with over time. Business loan brokers identify the need of small business owners and then offer the financing products to suit those needs. Business loan brokers charge typically earn fees from the referring source (lender or funder) and do not collect fees upfront or at funding or closing for their services from their client, the small business owner. Working with the right broker can make…

A lot of factors including your credit score, past credit history, and debt to income ratio determine your credit worthiness and whether or not a bank feels comfortable enough to extend funding to you or your business.

Often times borrowers learn about their low credit score only after loan rejection and then become aware of how important it is to have their credit in order. Once your loan application is rejected it becomes difficult to get an offer elsewhere. In fact, it takes time to improve your score and improve your loan eligibility. …

To say that 2020 was a struggle for many Americans is an understatement to the highest degree. The pandemic itself has paralyzed many peoples ability to support their family and lead their lives the way they have been accustomed to. Though various businesses succeeded tremendously during the pandemic, a far greater amount had to scratch and claw just to come up for air- some even losing everything they have sacrificed years to build. Boom… gone, just like that with no regard whatsoever from the ones who caused this chaos… our very own government.

With that being said, prices of goods…

An additional round of Paycheck Protection Program money has become available to Small Business owners with less than 500 employees.

Community financial institutions , approximately 10% of eligible lenders, will be able to start accepting loan applications immediately for entities seeking to secure their first PPP loans. Those same lenders can begin processing second-round loans for small businesses and nonprofits that have already used up their first loan, officials stated. The lending portal will be available for other eligible lenders and borrowers shortly thereafter.

Businesses may have to be more patient this time as officials state the wait time will…

Early 2020, just a few days after New Years day I got a call from a vendor. He eagerly expressed his concern to get one of his clients financing for a Grinder, a Loader, and a Trommel Screen totaling $392,000 all in.

Like most deals when you first hear about them, you feel that initial jolt of excitement rushing up and down your body. …

Joe Nicolosi

💰 I FUND small businesses 💎 working Capital up to $5,000,000 💥 💥/ Writer📝/ Deep Thinker🧠/Sports Card Investor🏀⚾️

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