Business Capital and Equipment Financing

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 Merchant Cash Advance 

 A Merchant Cash Advance (MCA) provides upfront working capital in exchange for a percentage of your business’s future sales. Repayments are typically deducted daily or weekly and adjust based on your revenue flow. 

 Business Loan 

 A traditional business loan provides a lump sum of capital with structured repayment terms, usually including fixed monthly payments and an agreed-upon interest rate. 

 Equipment Financing 

 Equipment financing is funding specifically used to purchase or lease business equipment. The equipment itself typically serves as collateral for the financing. 

• Business Loan: Fixed repayment schedule with defined terms and interest.
• MCA: Flexible repayment tied to your sales performance.
• Equipment Financing: Funds designated for equipment purchases, where the equipment usually secures the financing.

 It depends on your goals. If you require a larger amount with predictable repayments, a business loan might be ideal. If you need quick cash and have steady credit card sales, an MCA offers flexibility and fast funding. If you're considering purchasing machinery, vehicles, or technology, then equipment financing may better suite you.

You can get up to $5M in funding for MCA and Equipment Financing.

However, the exact amount depends on your business’s financial health, revenue, and creditworthiness. We work with you to determine the right amount for your needs. 

The choice is up to you. These funds can be used to enhance your business in any way you deem fit including: 

• Equipment purchases
• Inventory
• Payroll 
• Marketing 
• Expansion 
• Operational expenses 
• Cash flow stabilization

 Our lenders can finance a wide range of tangible business assets, including:

• Heavy machinery
• Commercial vehicles
• Manufacturing equipment
• Medical equipment 
• Restaurant equipment 
• Office equipment and technology

New and used equipment may qualify. 

  Repayment structures vary by product: 

• Business Loans: Fixed monthly payments over a set term.
• MCAs: Payments are based on a percentage of sales and fluctuate with revenue.
• Equipment Financing: Structured payments over a defined term, often aligned with the equipment’s expected lifespan.

We offer both secured and unsecured funding options. Depending on the funding type, collateral may be needed.  Most business loans may require collateral or a personal guarantee, while MCAs are unsecured and don’t require physical assets. With equipment financing, the equipment being purchased serves as collateral.