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Business financing is when a small business receives additional funding, such as a business loan, merchant cash advance, or line of credit, that is used solely for business purposes. In fact, most businesses rely on small business financing to help meet many of their needs. Small business financing can apply to anything business-related such as marketing efforts, location expansion, and general working capital.
At FlatRock Capital Partners, we understand how small businesses operate and we’ve created financing solutions to meet those needs. Our funding solutions offer a simple application process, easy-to-understand terms, and flexible payment options so small businesses can obtain the working capital they need when they need it most.
It all starts with an application so we can learn more about your small business. If we’re a fit and your business is fully approved, our team will work diligently to send over your business’ funds as quickly as possible. Browse our financing options and see what’s right for your business!
Great for receiving funds in one lump sum with fixed payments and terms. Small business loans are ideal for bridging a gap in cash flow, one-off equipment purchases, capitalizing on a new opportunity, or completing a big job.
Starts at $10,000, up to $10 million
Starts at 3 months and ranges up to 60 months
An easy application process, fixed payments, longer terms, and access to higher dollar financing amounts
Automatic, but flexible, withdrawals from the business bank account
An interest charge or fixed fee will be charged; other fees may also be charged
The Small Business Association (SBA) is a government agency known for offering loans with lower interest and longer payment terms, however, the process to acquire them is often paperwork intensive and takes many months. That’s why we’ve used our connections in the lending industry to expedite the process for our clients.
Starts at $50,000, up to $5.5 million
Terms range from 1 year to 10 years
An easy application process, fixed monthly payments, fixed terms, and access to higher dollar financing amounts
Automatic monthly withdrawals from the business bank account
Payments once a month to free up cash-flow
An interest charge or fixed fee will be charged; other fees may also be charged
A merchant cash advance (MCA) gives businesses fast access to working capital based on future credit card or other receivables so they can meet their business needs. This type of funding is an alternative form of financing that works by giving businesses upfront access to a lump sum in return for a portion of the future revenue receivables at a discounted price. This allows the payment timeline to be tailored to the flow of business sales.
Starts at $10,000 up to $5 million
Starts at 3 months and ranges up to 18 months
An easy application process, fixed payments, and access to higher dollar financing amounts
Automatic withdrawals from the business bank account
Quick cash to bridge gaps, provide stability, and drive growth
An interest charge or fixed fee will be charged; other fees may also be charged
A line of credit is a flexible financing option that allows quick access to a defined amount of working capital. The way it works is a business is approved for a set amount of credit and has access to that amount through a streamlined process which allows for easy access to drawing on the approved amount when needed. The full amount does not need to be drawn at one time, your business can conveniently draw on as much or as little working capital as it needs, up to the approved amount. Businesses are only responsible for repaying the funds they used, plus any interest or other fees that may be charged.
Starts at $5,000 up to $250,000
Range between 12 and 24 months
An easy application process and access to higher dollar financing amount
Automatic monthly withdrawal from the business bank account
Only pay interest on the funds you draw
An interest charge or fixed fee will be charged; other fees may also be charged
A merchant cash advance is a great option for businesses that accept credit cards, have lots of receivables, or are seasonal. It’s based on the businesses’ credit card sales or other receivables, so payments are flexible. If a business is looking for a higher financing amount and fixed payments, then a small business loan may be a better solution for the business.
How long your business needs working capital for can guide you towards the best option for your business. Merchant cash advances and lines of credit are the most flexible when it comes to shorter-term financing. Small business loans are great for long-term financing as your business may have up to 60 months to repay.
While some small business financing does take into account your credit score, the majority of commercial financing companies rely more on the performance of your business. Certain financing products, such as a merchant cash advance, typically allow for a lower credit score, whereas a line of credit might require a higher credit score.
Lines of credit could be the best business financing option since, once approved, you have access to a pre-determined amount whenever your business needs it.
FlatRock Capital Partners is a financial services provider committed to helping small businesses solve their cash flow issues and expand their operations.