Florida small business owners like you require funding options that push your business forward and create opportunities for growth. Every small business has a unique story accompanied by unique needs for financing solutions that fit them best. We offer business loans and short-term cash flow options that businesses throughout the state of Florida can take advantage of. Whether you’re looking to update your business with renovations or require some working capital — AdvancePoint Capital is here to help. 

Traditional avenues for funding can be a headache for small businesses like yours to obtain, especially if you’ve run into credit issues or limited time in business. If you’re worried about the bank’s final decision or you’ve faced denial before, you may be looking for an alternative lending solution that you can turn to. We offer a wide selection of financing options that you can utilize to obtain cash for your business. 

Business Term Loan

Florida businesses looking for a funding solution similar to a traditional bank loan can find immense success with business term loans. With a business term loan, you’re able to get a fixed amount of upfront capital at a fixed cost — coupled with a fixed term and payment.

  • $10,000 – $1,000,000
  • All credit types are considered 
  • Fast processing time 
  • 1-5 year repayment plan

Business Line of Credit

A business line of credit operates similarly to a business credit card in that it allows small business owners like you to draw money from a line when it’s needed. Draw money up to the business line of credit’s limit and pay interest on your outstanding balance with AdvancePoint Capital. 

  • $10,000 – $1,000,000
  • Credit scores above 500
  • Speedy processing time 
  • Revolving repayment 

Short Term Business Loan

Short term business loans are an excellent solution for businesses with poor credit histories or limited time in business. With a term length of around 6-18 months, this loan is great for small businesses throughout Florida. 

  • $10,000 – $1,000,000
  • Substandard, Mid-Prime, to Subprime credit scores are considered
  • Processed in as little as one day 
  • 6-18 month repayment 

Are you a Florida business owner who finds traditional loan options limiting and are struggling to find a successful solution? We offer alternative lending solutions to help you meet your goals. Get a quote today.

Merchant Cash Advance

Florida businesses that receive the majority of their revenue from credit card and debit card sales can take advantage of a merchant cash advance. This flexible cash advance option allows you to leverage your monthly cash flow and make repayments with future sales. 

  • $10,000 – $1,000,000
  • Poor credit considered  
  • Processed in as little as 24 hours  
  • Flexible repayment options

Equipment Financing

An equipment financing option gives Florida business owners the choice of using equipment purchases as collateral for instant cash flow. Healthcare industries, restaurant operators, and other small businesses that use expensive equipment are ideal candidates for equipment financing. 

  • $10,000 – $1,000,000
  • All types of credit considered 
  • Processed in as little as two days 
  • 1-5 year repayment 

SBA Loans

Outstanding invoices can be a pain, but they can also severely limit a business’s ability to grow and find success in their respective industry. Invoice financing gives you the ability to leverage outstanding invoices to get the advances you need, in just one day. 

  • $10,000 – $1,000,000
  • All types of credit are considered 
  • Processed in as little as two days 
  • Revolving repayment

Invoice Financing

Otherwise known as invoice factoring, this allows you to leverage outstanding invoices your business has acquired to obtain advances in a day. Invoices typically take 30, 60, or 90 days to get paid. For businesses that need cash fast and can’t wait until they are paid for work, this is a great financing option.

  • • $10,000 to $1,000,000
  • • All credit types considered
  • • Processed in as little as two days
  • • Revolving repayment

Learn More

 

Why Does Your Florida Business Need a Loan?

Before you dive into the first funding option that makes itself available, it’s important to take the time and understand the exact reason for the financing. Let’s explore some popular reasons why small businesses like yours need cash flow.

Working Capital  is perhaps the most popular springboard for a business loan or advance. With every day, every month, or even every quarter progress continuously shifting, some additional funding may be needed.
Infrastructure growth or scaling can lead to some serious cash needs. A new office space or some new additions to your current space may require a financing solution that fits your Florida business. 
Marketing can take some serious capital, and a business loan may be the best way to manage marketing spend effectively. Florida businesses with crowded markets need to stand out, and marketing is the best route.
Equipment can be a costly endeavor, and getting a business loan that works with you instead of against you can be a challenge. We offer equipment loans and lease options that fit your needs.

After you’ve determined the underlying reason for why you need a business loan, it’s time to look at a few more factors. 

  1. How much do you need? 
  2. Understand your business cash flow 
  3. What is your budget?

How To Qualify For a Business Loan in Florida

Depending on what type of business loan you’re trying to obtain, there are basically three main factors that could determine whether or not you qualify for funding. Some of these factors could hold more weight than others, but that all comes down to what type of business loan you’re going for. 

  • Credit score 
  • How you have been in business 
  • Financial statements such as business bank statements, profit and loss statements, or business and personal tax returns

Which Loan Is Right for Your Florida Business?

If you’re a Florida business owner and you’re looking for a funding solution to help you succeed, you’re in the right place. While there’s not a universal solution for business loans, there are several options that you can take advantage of for the best possible value. 
The two biggest considerations when choosing which business loan is right for you are the costs and repayment plans. You want to make sure these two factors are working with you and, most importantly, that you can pay back your business loan. If you’re worried that you may not be able to keep up with payments, it’s likely not a good fit. There are several business loan options available, so finding the right one may just take some guidance. 
Here at AdvancePoint Capital, we have the experience and wide selection of alternative lending solutions to help you make the right choice. We’ve been a trusted source for business loans throughout the state of Florida and can help you discover a financing option that helps you meet your goals. Our alliance with small business owners throughout the state helps empower their efforts and get the capital they need to move forward. 

Start with this Online Form

Applying for a loan with AdvancePoint Capital is as simple as a 1, 2, 3, 4 process. Start with this online form, then fill out the short application page, wait a few hours for your approval, and then get your money!

AdvancePoint Capital offers an easy business loan experience. Our customers love the fast, streamlined process and high approval rates that come from working with us. All credit scores are considered.

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.