Alternative Financing Options for Businesses

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Business Line of Credit up to $500K

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A business line of credit provides access to working capital, allowing businesses to draw funds as needed up to a predetermined limit. Unlike term loans, a line of credit is revolving, meaning you can borrow, repay, and borrow again. This flexibility helps manage cash flow for expenses like inventory, payroll, or unexpected costs. Whether you need to bridge the gap during slow seasons or seize new opportunities, a business line of credit can be a vital tool for maintaining financial stability and fostering growth. 

 

To qualify for our line of credit, your business should meet the following requires:

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Based in the U.S. $100,000+ in annual revenue

6+ months in business

600+ personal FICO score

Business checking account

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Business Credit Cards up to 100k

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Business credit cards operate similarly to personal credit cards but are tailored for business needs. They consider both personal and business credit during approval and offer features that help manage expenses and build business credit. Many business credit cards offer 0% interest for up to 12 months, providing a cost-effective way to finance short-term expenses. With a FICO score of 680 or higher, qualifying is relatively straightforward. These cards are useful for routine purchases and provide an easy way to track and control business spending.

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Invoice Factoring

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Invoice factoring allows businesses to sell their outstanding invoices to a third party (a factor) at a discount, receiving immediate cash in return. This provides essential working capital without waiting for customer payments. By using invoice factoring, businesses can quickly access funds to reinvest in operations, manage cash flow, and support growth initiatives. It's an effective solution for businesses facing liquidity challenges or looking to accelerate their cash flow.

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