The Small Business Loan Company

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Unfortunately for small business owners, big banks turn down loan applications because the cost of doing business is more than the entrepreneur is seeking to borrow.

Our underwriter was established to satisfy the lack of available financing in the small-medium sized business marketplace.

We provide businesses with Unsecured Business Loan Alternatives called Merchant Cash Advances in 49 States and Business Loans in California.

Funding usually takes place in about five (5) business days.

Funds can be available in as little as three (3) business days.

We specialize in customized programs providing business owners with Unsecured Business Loan Alternatives on the terms that make the most sense for their business.

Businesses doing as little as $4,000 per month in accounts receivable are eligible.

We are here to fill the gap in the small business lending market by doing business with small business owners and entrepreneurs that the big banks often ignore.

What We Do

We provide funding through factoring future credit card sales,and business income.

We are purchasing future receivables at a discount.

• There is no fixed payback time or schedule of repayment and no fixed interest rate.
• Instead, an agreed upon holdback percentage is deducted from the merchants daily credit card batches or ACH'd from their bank account until the purchased amount is collected.
• Therefore the merchant is only paying a part of its Visa, MasterCard, Discover and/or banking revenue.

We require no collateral.

Funding is available much quicker than traditional bank loans and requires a fraction of the paperwork.

We're creating a capital market mechanism specifically for Main Street by underwriting using non-traditional financial data. Regulators' acceptance of non-traditional underwriting and assessment of relevant credit standards encourages the development of this small business credit market.

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