Business Loans

Long-term loans built around your cash flow.

Fixed schedules, predictable payments and terms from 3 to 10 years — a real alternative to short-term advances.

Loan programs

Combine MCAs, short-term loans and high-cost debt into one fixed payment.

$50k to $5M+ with 3–10 year amortization for stability and growth.

Lower-cost, longer-term options for qualifying businesses with solid history.

Finance trucks, machinery and tools — the equipment serves as collateral.

Purchase or refinance owner-occupied property on long-term schedules.

Cover payroll, inventory and operating costs without daily debits.

A buyout pays off your merchant cash advances and replaces them with one predictable, long-term payment.

Stacking advances, missed payroll and bounced debits are warning signs. Here's how to recognize them early.

A 1.4 factor sounds small. Repaid over 6 months, it can mean an effective annual cost well into triple digits.

Term loans solve big one-time needs like a buyout; lines of credit handle the ups and downs of cash flow.

The documents and steps that speed up approval and help you get the best possible terms.

Once you're out, here's how to stay out — budgeting, reserves and smarter funding options.

Free, no-obligation review of your MCA positions. Call 201-834-4118