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  • 6 months in business

  • $5k gross monthly sales or $60k annual gross sales

  • No minimum FICO.

    • We offer tailored financing solutions for individuals across all credit profiles, necessitating a minimum FICO score of 600 to apply.

Qualify for Business Line of Credit

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You don't have to stress about bad credit! Most of our  financing options base decisions on a FICO score.

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We aim to help you pinpoint the most appropriate financing options that offer the maximum funding amount.

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Our efficient online application process can be completed in just 15 seconds, and you will receive personalized financial options today.

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Our team can assist you in swiftly completing the underwriting process and obtaining funding approval within a matter of hours.

Speak with Business Finance Advisor


Get in touch with a Business Financing Advisor today! Our team of experts will help you find the best options for your business, giving you access to more funding, better terms, and lower interest rates.'ll be with you step of the way.

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Reasons Why Cash Is King for Businesses

Many business analysts state poor cash management practices as the number one reason why businesses go bankrupt. 

Here are some of the key advantages of cash for any business:


Cash Flow

For any company to survive, cash flow is the single most important financial factor. A company could have fantastic revenue, reasonable expenses, and significant income, but if its financial operations are not designed efficiently, it could still have negative cash flow.

And without positive cash flow, any company, no matter how promising the business model, will go bankrupt. Of course, if a business has just been launched, it may be able to endure negative cash flow in the short-term in hopes of achieving long-term success. But eventually, any company must focus on creating positive cash flow. Without it, a company will not even be able to accomplish the simplest of tasks: paying its monthly expenses.


Capital Expenditure Investments

To grow, a company often will need to invest in factories, real estate, machinery, or technology. These are typically one-time costs that require significant funds. Without cash on hand, a business may not be able to make these necessary investments and, as a result, may never be able to experience company growth.


Sure, a business can take out a loan, but even a loan will generally require a significant down payment, which will in turn require that the company have access to cash. Loans also come with interest rates that can further eat into a company’s bottom line.


Company Acquisition

One popular way for companies to expand is to acquire other companies, either within their niche or as a way to branch out into new areas. Consider these real life examples: Disney and Pixar, Exxon and Mobil, and eBay and PayPal. All of these acquisitions have one thing in common – cash. Without the necessary cash, these companies would never have been able to jump on the once-in-a-lifetime opportunity to buy a valuable company at a reasonable price. It is acquisitions like these that do wonders for any company’s growth potential.


Emergency Preparation

Like individuals, businesses face emergencies where they need to pay expenses right away. These include legal fees and unexpected costs associated with natural disasters. Since these fees are often not built into a company’s budget, businesses must have access to the necessary cash should such situations arise. This is essentially the equivalent to an individual’s emergency fund.


Survival During Down Economies

Every company is going to have periods when things are not running at full potential. Consider a global recession that eats into a company’s sales. Without cash on hand, that company would be forced to drastically downsize its employee operations and may even have to declare bankruptcy in order to pay off its fixed expenditures. With cash, the company will be more flexible and better able to survive the downturn.


Quick Expansion Without Loans

Many small businesses have had to learn the hard way that lenders are becoming more thrifty with how they loan money. If a business has cash available, it can better take advantage of opportunities to expand and make important acquisitions – options that may otherwise not be available in the absence of loans.

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