How does it work?

Sometimes referred to as revenue based financing, our small business loan products are based on the sales history of the business rather than the personal credit history of the business owner.

We look at the sales history and cash flow of your business to determine qualifying amount. We also look at the number of deposits in your bank statements to determine the capacity for repayment. For most businesses we require a minimum of 2 deposits per week to qualify. The qualifying amount is equal to 1 to 1.5 times your average monthly sales.

To repay, daily or weekly payments are automatically debited from your account. These can be variable payments based on a small percentage of your sales, or fixed payments…you decide.

What are the requirements to qualify?

Business Loan

  • open for at least 6 months
  • sales of at least $5,000 per month

Cash Line

  • open for at least 6 months
  • sales of at least $10,000 per month

Merchant Cash Advance

  • accept credit and debit cards
  • open for at least 6 months
  • process at least $5,000 per month

(for all products, construction companies must be in business at least 2 yrs and generate $20,000 per month in sales)

How much does it cost?

Company Capital is privately held, self-funded and does not use brokers or re-sellers to market the business. This allows us to provide the best rates in the industry. Our term loan rates start at $6.87 per $100 funded.

Our merchant cash advance rates are more flexible. We are unique in the industry in that we let our customers choose the rate that is best suited for their business. The cost of financing is based on 3 criteria:

  • The daily micropayment you want – if you pay more daily, the total cost goes down
  • The time you need to repay – if you decide to repay faster you pay less
  • The amount you need – if you take less than you qualify for the rate is usually lower

Company Capital financing is extremely flexible and no two contracts are exactly the same. We have clients who prefer short term contracts – these rates can be as low as 7%. We have other clients who prefer a lower daily repayment and therefore have a higher total cost. On average our clients pay 17 cents on the dollar.

What information do I need to apply?

  • 6 months of bank statements
  • a completed application
  • if requesting $50k or more we require financial statements