About Us

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Your small business loan will be set up with recurring, automatic payments that make it hassle free, so you can focus on your day-to-day operations. Need cash fast? You can receive funds within hours of applying!

A flexible credit line puts you in the driver's seat with your loan. Your approved for a certain amount and you pick how much you need and when you want the funds. A line of credit can be used for anything your business needs.

We focus on the SBA Small Loan and the SBA Express Loans. These are different than your traditional SBA loans that require a mountain of paperwork and several months for funding. These loans typically fund within 10-30 days. Here is a link to the types of SBA loans. Types of 7(a) loans (sba.gov) 

 Our funding options offer restaurants, bars, retailers, and other businesses the ability to thrive and even expand during trying times.  We are here to educate our clients on how a merchant cash advance works and what options are available. 

This is a long-term loan which is paid back with regular payments over time, including interest. It's an extremely flexible loan and the most common type of business loan. Interest rates can be fixed or variable, depending on the loan amount and what the capital will be used for. Most people are familiar with a traditional mortgage loan for a home or commercial property. Term loans work the same way.

 Invoice financing is a way for businesses to borrow money against the amounts due from customers. Invoice financing helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full. 

 Businesses that use a cash discount program offer a discount to customers who pay by cash or check instead of using a credit or debit card.  Cash Discount pricing lets business owners enjoy the same profit margins on cash payments and non-cash payments by including processing fees into the price of sales made by customers paying by credit card.  

 Dual Pricing is not new. Many gas stations around the nation have been offering both cash and credit prices for well over a decade. It's similar to Cash Discounting in the sense that the merchant will profit the same as if the transaction was paid in cash. Dual Pricing is not for every business though. Contact us to find out if it's right for you.

 Interchange-plus pricing (sometimes called cost-plus pricing) is a credit card processing rate model that separates costs into two elements: (1) interchange fees, and (2) processor markup. Interchange fees (and associated network assessment fees) are passed through to the issuing bank and credit card association, while the markup is retained by your provider. 

ACH payments are electronic fund transfers between banks. So, ACH payment processing is a convenient way to send and receive money using only a bank account number and routing number — no cash, checks, or cards necessary. 

There are two main kinds of ACH transfers: 

• An ACH debit transaction “pulls” or withdraws funds from an account. 
• An ACH credit “pushes” or sends funds from an account.

eCheck is a digital version of a paper check and is also known as an electronic check, online check, internet check, and direct debit. eChecks use the Automated Clearing House (ACH) to direct debit from a customer’s checking account into a merchant’s business bank account, with the help of a payment processor.

eChecks are transmitted electronically, making transactions quicker, safer and easier. Read on for more info.

 Forward-thinking small businesses that want to set themselves up for sustainable success may consider accepting bitcoin and other cryptocurrency payments. As many as two-thirds of cryptocurrency owners and more than half of non-owners feel that too few businesses accept crypto payments and 47% of owners seek out those that do. Contact us to find out if your business should start accepting crypto as a payment form.