Merchant Cash Advance, Business Cash Advance, Working Capital & Small Business Loans
Our goal is to help small and mid-sized business owners by providing a simple and convenient alternative to a traditional bank business loan. Our business cash advance and small business loan programs provide real solutions for business owners faced with the reality of disappearing sources of working capital. Traditional sources of capital, such as bank loans, home equity loans, and credit card loans, are no longer options for many businesses. Our service provides a flexible, hassle free solution for millions of small business owners that need access to immediate working capital and may not qualify for those traditional business financing sources.
By comparison, our Business Financing Program offers a streamlined process that provides a simple one page application and immediate access to unsecured funding from $2,500-$600,000. You will further benefit from high approval rates, minimal credit requirements, and a flexible repayment process that is directly tied to your business'sales volume. All of these features provide you with immediate access to working capital funds that you can use for any business purpose.
Use the business cash advance for any business purpose, including:
- Purchase Inventory/Seasonal Merchandise
- Purchase/Repair Equipment
- Pay off Debt/Taxes
- Emergency Funding
We offer several different programs to fit your specific needs:
Business Cash Advance:
Our business cash advance converts your future Visa and MasterCard receivables into immediate cash that you can use for any business purpose. Repayments are based on a small fixed percentage of your future Visa and MasterCard receivables. Payments are automatically applied to your remaining balance until the balance is satisfied. Unlike a business loan, our service is aligned with the success of your business: since repayments are linked to your Visa and MasterCard receivables, we don't get paid until you get paid, thus helping you manage the cash flow of your business, especially during slower months.
Benefits of a Business Cash Advance vs. a Traditional Bank Business Loan
- No personal guarantees
- No collateral pledge on your home or business
- No points
- No fixed payment schedule
- No coupons or checks to write
- No impact on your ability to qualify for other financing
- No business use restrictions on the funding
- No hassles - quick application & fast funding
Small Business Loan:
Our flexible small business loan program is another financing option offered by Guaranty Capital. The loan is calculated using your gross sales, not your credit card receivables, and there is a fixed repayment period based on your cash flow, rather than relying on your future credit card sales.
Benefits of a Small Business Loan vs. a Traditional Bank Business Loan
- Funding within 5 business days
- Higher approval rates than bank loans
- Assessment of historical cash flows from business performance and not just Credit history to support approval for a loan
- A commitment to provide a loan decision within 3 business days of receiving a completed application.
- Streamlined application process with minimal paperwork
- Reduced documentation requirements
- Fair and affordable repayment terms and fees
- Easy renewal terms