A Merchant Cash Advance is a form of funding, that advances you with the cash you need, right into your account and offering a flexible way to pay it back. Your Merchant Cash Advance (MCA) is simply repaid through your future credit card sales and receivables. MCA’s work because they are based on the ability of a business to repay a percentage of their daily receivables.
- Fast Application and Funding: MCA’s are all about speed. Our approvals can take less than 24 hours, and funds can be in your account in less than 2 days.
- Lenient Qualifications: Those with credit score issues still have access to business financing. We except clients with a 500+ FICO. MCA’s are unsecured, meaning you won’t need to put your house, truck, or personal savings account on the line.
- Adaptable to Any Business Use: You can use your merchant cash advance funds for practically any business expense. They’re best used to finance short-term operating costs (inventory or making payroll, cash flow gaps, and emergency expenses).
Our senior Term Loans which are based on the company’s proven historical cash flow. They provide organizations with either incremental funding or lump sum funding that can be drawn out over a several year period.
Whether you are looking for:
- Acquisitions
- Internal growth
- Leveraged buyouts
- All other expansion purposes
Equipment Financing is the process of obtaining business equipment using a loan or lease. Equipment Financing loans allow you to purchase the Equipment with payments made over time, similar to using an auto loan to buy a personal car.
With Equipment Financing from SFS, you can maintain cash flow, minimize risk and stay ahead of the competition. Receive quick funding to acquire the Equipment you need to expand, while freeing up cash that can be allocated to other areas of your business.
Equipment Leasing, on the other hand, gets you the Equipment you need without the intention of owning it. You’ll make a regular lease payment to continue using the Equipment as if it were your own. When the lease is up, you can give the Equipment back or renew the lease. Sometimes you may have options for purchasing the Equipment at the end of the lease.
When a customer has agreed to buy a certain quantity of something from a supplier at a certain price point, they usually send over what’s called a Purchase Order. If you’re a small business owner and you receive a Purchase Order and agree to the terms on it, that Purchase Order document becomes a legally binding contract between the two parties: you and the buyer.
Sellers send out invoices to their customers, and buyers send out Purchase Orders to their suppliers. While it’s great news when your small business gets a large purchase order, not every new company has the liquid cash needed to fill every order—particularly when multiple orders are on the table.
As every small business owner knows, cash shortages practically come with the territory. In fact, over 60% of small business owners worry about cash flow problems every month. The last thing any business owner wants to do is turn away a large purchase order because their company’s cash is tied up. Instead of missing out on the potential to generate a ton of revenue or worrying about what being unable to fulfill a purchase order might mean for their business’ reputation, many suppliers that find themselves lacking the cash they need to ship goods are turning to purchase order financing solutions.
SFS is proud to offer clients our unsecured credit line loan program with no business revenue, collateral or other financial documentation required! This program is for anyone. You may use the funds however you wish with no restrictions.
All you need is a 600+ FICO and $30,000/ average monthly revenue to be pre-qualified for $20k – $150k! If your credit doesn’t meet this threshold, ask a family member, friend or business partner for help! We can work with multiple clients. In many cases we can still help even if your credit has blemishes such as inquiries, collections, high utilization, etc.
How it works?
- Our pre-approval application is simply contact details and a review of your credit history, without us putting an inquiry on it! Get an approval the same day.
- APR is 0% for up to 21 months during the introductory period for qualified clients.
- Funds are issued as credit lines but can also be converted to cash without paying expensive cash advance fees that most lenders charge.
Seamands Funding Solutions offers Real Estate Loans as well, that typically range from $250k to $10 million.
Our clients benefit from this by having us as your one capital partner who have the capability to help with real estate financing needs along with attaining more working capital. This will save your business money and time by establishing stability within your capital structure.
These loans can provide you with first mortgage financing for:
- New property acquisition
- Exercising Purchase Options
- Refinancing/Recapitalizing Existing Properties