Business Capital Loans

Business Capital Loan Lending

In any small business, one of the most crucial components to success is access to operating capital. This money, also called working capital, is the cash on hand to get you through all of daily overhead that you will run into while running your business. When these funds are short, a business capital loan may be necessary to cover your expenses.

Cash flow is necessary if you have employees since they expect to get a paycheck. Your utilities need to be paid, inventory may need to be stocked, and all of the other requirements that go into running a business have to be covered. When your operating capital isn’t sufficient, for whatever reason, you need a reliable financial institution that you can turn to for help.

But for a small business owner, the challenge of getting approved for a loan can be overwhelming. Traditional banks and SBA loans require mounds of paperwork to be weeded through, high standards of personal and business financial specifications to be met, and a long waiting process before you are approved or denied, with a resounding 80% or more of small businesses not making the cut even after all of that work.

Online lenders have offered an alternative solution to this financial dilemma. AdvancePoint Capital, a Merchant Funding Capital Company, works with multiple lenders to get you access to the working capital you need to quickly get you back into business.

Small business owners who work with our company get the benefit of many features not available with other lenders, such as:

  • Fast approval
  • Consideration of your request regardless of your credit
  • Flexible repayment options
  • A simple application process
  • Reasonable, competitive terms
  • Speedy access to funds

Get a Fast and Easy Business Capital Loan

When cash flow problems get in the way of your day-to-day operations, business capital loans may be the answer to your problems! Making the best of a working capital loan lets you put the money back into your business, taking care of all of your business expenses and giving your company the chance to move ahead again.

With AdvancePoint Capital, you have access to a variety of business capital loans. Our knowledgeable agents will work you to determine if you would be best suited for one of the following types of working capital loans:

  • Small business loans for owners in need of financing from $10,000 to $500,000. These loans come with terms up to 36 months and are repaid in fixed auto repayments from your business bank account.
  • Business lines of credit are typically used by small business owners looking for flexible working capital and immediate cash flow. These are similar to business credit cards and come with limits up to $100,000. You can use them, pay them back, and use the funds again until your term ends. Business capital lines of credit are repaid over 12 months, but they give you flexible cash when you need it.
  • Invoice factoring is perfect for companies that rely on invoicing their customers for a large percentage of their income. These loans are available in small or large credit lines up to $2.5 million, depending on your accounts receivables due in up to 90 days. This type of invoice financing lets you free up cash that is trapped in invoices and use it today.
  • Business cash advances, also called a merchant cash advance, use a percentage of your future sales to get money today. From $10,000 to $500,000 with no term limits, these are not considered a loan but rather a pre-sale that you haven’t made yet. The repayment strategy is flexible and paid back through a percentage of your future sales.
  • Medical practice financing is available solely for those in the medical industry. It can be expensive to run a medical practice, so loans up to $1 million with long term options up to 7 years are available. These are repaid in monthly payments with an interest rate that starts at 5.99%.
  • Equipment leasing is a type of business funding that is specialized for small or large purchases from $500 to $150,000. When your equipment goes down, so can your revenue. Instead of waiting until you have the funds to fix or purchase expensive machinery, take out an equipment loan. With AdvancePoint Capital, decisions for leases under $10,000 are made in seconds through our simple application process and terms are up to 60 months.

All Credit Scores are Considered

So a business capital loan sounds like exactly what you need, but your credit is not perfect. Maybe you’ve been turned down for traditional loans already and are worried that too many inquiries and denials will hurt your credit even more, understandably so.

Or possibly you have been approved for a secured loan that requires you to make personal guarantees, such as putting your real estate up for collateral. Mixing your business with your personal life is a tricky aspect and many small business owners don’t feel comfortable doing it.

But with AdvancePoint Capital, our alternative lenders understand the big picture of your finances is more than just your personal credit score. We look at your entire credit profile to find you the best financial solutions at the lowest rates.

Factors like your personal and business credit combined with any business assets, your monthly sales, previous annual revenue, and more are used to get you approved within one business day.

The fast, convenient and straightforward way to get the money you need for your business – now! Get your Quote Today by filling out our simple form.

Get Quote Now!

Fast and Easy Financing

Mounds and mounds of paperwork are required commonly for mortgages, automobile loans, and traditional business capital loans. In fact, the joke often used is that you need to be prepared to sign your life away. With AdvancePoint Capital, those stereotypes couldn’t be farther from the truth.

We know that if you are turning to a loan for your business, it’s because you need the money sooner rather than later. Our knowledge of small business owners’ needs has allowed us to create a process that is so simple and streamlined, you can have your paperwork completed within minutes and be approved within hours.

Typically, once you are approved, agree on the term loans, and finalize the paperwork, you have access to your funds through an ACH deposit or direct wiring process in as little as one business day.

Flexible Term Options

The need for business capital isn’t cut and dried. For some companies, it is necessary to get them through a slow season. For others, it is needed in order to purchase equipment or make much-needed renovations. Whatever the need you have for some extra funds, the alternative lenders at AdvancePoint Capital offer flexible term options that can get you back on track.

When your business is your livelihood and you are responsible for your employees’ paychecks, too, you need access to your money fast. Our simple business loans are geared towards helping you be successful so you can repay your debt and keep progressing in your industry.

Start with this Online Form

We know you’re busy and we want to make the application process with AdvancePoint Capital as easy as possible. With our simple process, you can get the wheels in motion any time you have a few minutes to spare.

Starting with this online form, let us know what your business challenges are so our 24 hour live agents can start building a solution for you. On your time, you can contact an agent or we will contact you, discuss your options, and answer your questions.

Then you can fill out a short online application page, go to lunch or do what you have to do for a few hours while we find a lender to work with you, and – typically within a few business hours – you’ll have your approval.

Once the paperwork is finalized, your money will be available in as little as one business day so you can move on with all of the responsibilities involved in owning a company.

AdvancePoint Capital offers lending for business capital loans, also known as a working capital loan. All credit scores are considered. Apply today for fast and easy funding!

The fast, convenient and straightforward way to get the money you need for your business – now! Get your Quote Today by filling out our simple form.

Get Quote Now!

* All loans made by either WebBank, an FDIC-insured Utah industrial bank, or Bank of the Internet Federal Bank, an FDIC-insured federally chartered thrift located in California. In connection with the loans, the Banks' underwriting conditions and terms apply.