We can offer you business lines of credit from $300,000 to $5,000,000 in less time without risking your personal assets, collateral, or equity.
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RapidAdvance.com
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Credit insurance from Euler Hermes ACI allows for expanded sales while protecting against domestic and overseas customer insolvency and non-payment.
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Businesshax.com
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Good credit program. Submit one request to compare costs, options and rates for business loan from multiple lenders. Free, no obligation.
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A business cash advance is a great alternative to business finance. Get $250K for any small business. Must process $2500/month in VISA/MC sales
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Working Capital & Lines of Credit. Prompt, Professional & Reliable.
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www.FirstCapital.com (Paid)
Business Cash Advance of up to $200,000 on Visa/MC sales. 1+ Yr in Business. $2,500+ in Visa/MC Charges. No Credit Check.
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www.AmeriValue.com (Paid)
Apply online for a business cash advance. Finance your business without the hassles of a traditional business loan. Visa/MC Sales Required.
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RapidAdvance.com (Paid)
Provides comparison of Business credit cards as well as links to online credit card applications with 0% APRs, Cash Back, and Rewards Programs.
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www.creditcards.com/ (Paid)
Up To $150,000! VC/MC Processing Required. Must accept CC's.
www.americancapitaladvance.com (Paid)
Credit insurance from Euler Hermes ACI allows for expanded sales while protecting against domestic and overseas customer insolvency and non-payment.
Products | Services | FAQ | Contact Us
www.eulerhermes.com (Paid)
Need Business Credit? Save 50% In Interest Over Other Cash Advance Agencies On A Loan Up To $150k When You Process $3,000/Month In Visa/MC.
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www.ForwardLine.com (Paid)
A business cash advance is a great alternative to business finance. Get $250K for any small business. Must process $2500/month in VISA/MC sales
www.fastupfront.com (Paid)
Do You Qualify? No Real Estate/Construction, No Mortgage, No Startup. B2B Only-No Consumer Sales. $1 Million in Annual B2B Sales in USA is Required.
SmallBusinessFinancingSite.com (Paid)
$10,000 to $300,000 in unsecured business loans and MC/Visa retailer loans. Fill out our online application today.
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www.SmallBusinessLoans.com (Paid)
Flexible loan structures for your business banking needs. Choose a commercial loan with fixed or variable rates and durations to fund your expansion.
www.irwinunion.com(Paid)
Provides business and corporate loans, acquisition financing, commercial lending, structured finance, recapitalizations and leveraged lines of credit.
www.1-business-loans-acquisition-financing-business-loans.com(Paid)
Provides the best possible information on business finance, development or bridging. All without the need to pay a broker.
www.diyfunding.co.uk(Paid)
Full-service provider of new and pre-owned refrigerated containers and reefer management services for customers around the world. Offers operating and finance leases.
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Good credit program. Submit one request to compare costs, options and rates for business loan from multiple lenders. Free, no obligation.
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BusinessFinance.BuyerZone.com (Paid)
Get the latest financial, sports, entertainment and breaking news 24/7. Sign up for our free daily newsletter today.
Businesshax.com (Paid)
Business finance specialists in stocks, shares and corporate bonds. Provides financial services for investment banks, stock brokers, institutional investors and traders.
capital markets | fund managers | bankers | treasurers
www.direct-issue.com(Paid)
Provides real-time credit, financing and related services for e-business through the eCredit.com Global Financing Network.
www.ecredit.com
Invests in and finances the global energy sector, providing equity, debt, leases, project finance, partnerships and commercial financing.
www.geenergyfinancialservices.com (Paid)
Worldwide provider of information on franchises, loans and real estate. Franchise listings are searchable by country, region and state.
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www.franchise.com(Paid)
Global provider of lines of credit, term debt, factoring, asset securitization, plan of reorganizations and acquisition financing.
www.gecommercialfinance.com
Provider of flexible, tailored funding solutions for businesses.
www.gecapitalfinance.com
Provider of equipment financing and leasing in Germany.
www.cefcorp.com
Provider of financial solutions through major equity, debt and structured finance investments, including sophisticated partnership, lease and tax-advantaged products.
www.gestructuredfinance.com
Provides senior financial decision-makers with access to GE Capital's financing capabilities and tools, relevant information and news that help grow a business.
www.gecfosolutions.com
We can offer you business lines of credit from $300,000 to $5,000,000 in less time without risking your personal assets, collateral, or equity.
www.CorporateBizCredit.com (Paid)
Offers business-to-business lending based on asset-based lending and factoring. Composed of GMAC Commercial Credit and GMAC Business Credit.
www.gmacfs.com
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business.ingdirect.com(Paid)
Earn 3.15% APY for your business. Savings with no fees + no minimums. Grow your money while you grow your business. Apply online.
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business.ingdirect.com (Paid)
Based in the Netherlands, parent for a large number of financial services companies, including: Nationale-Nederlanden, Postbank, ING Bank and ING Barings.
www.inggroup.com
Broker of performing and non-performing portfolios of consumer loans and receivables.
www.loantrade.com
Diversified bank leasing company. Lease financing solutions are delivered through four specialized groups.
www.mellon.com
Marac Finance is a leading New Zealand investment company providing both business and personal loans. Standard & Poors Investment Grade Rating.
www.marac.co.nz(Paid)
Powerful solutions to help you serve your clients, manage your clients’ assets and grow your investment advisory business. Talk to us.
www.schwabinstitutional.com (Paid)
Banks say no, we say yes. If you have been in business 9 months & accept credit cards, call us today. We are a direct funder - no games straight talk!
Get a Quote | Contact Us
www.merchantcapitalsource.com (Paid)
Up to $100,000 unsecured credit and a rate as low as Prime + 0%. Fast decision. Easy online application. Exclusively for those with excellent credit.
Business Checking | Business Savings | Line of Credit
SwiftFinancial.com/Small_Business (Paid)
Diversified commercial financial services company. Has 17 divisions to service a wide variety of businesses and indutries.
www.tfc.textron.com
Independent, nationwide company whose sole business is equipment financing and lease management. Provides back office services to lenders on a fee basis.
www.trinitycapital.com
Provider of working capital for businesses to handle new projects and large orders.
ucfunding.com(Paid)
$10K-$100K. Reward your good credit. Get approved now with no collateral needed.
www.AmOne.com (Paid)
Bank affiliated industrial finance company. . Transactions range in size from $15,000 to $50,000,000 and products range from traditional loans to a variety of lease oriented financing.
www.usbank.com
Provider of structured commercial finance products and services, including tax-advantaged leases and export financing.
gsf.westlb.com
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Guaranteed Lowest Rates. Fast Quotes and Pre-Approval Online.
ApplyNow.CrestlineFunding.com
Guide to Financing Your Business
Discover sources for capital funding to get your start-up off the ground- How much money you need.
- How you'll spend the money.
- How you plan to repay the loan.
Action Steps
The best contacts and resources to help you get it done
Take stock of your personal finances
The primary source for funding a new venture is personal finances. However, many experts say this method is the riskiest financing option. The reason: you're putting up your own collateral to finance your business. If you take out a second mortgage on your home or use a line of credit, you can wipe out your assets if your business falters. Other options such as credit card loans or tapping into personal savings are equally risky.
I recommend:
Whether you decide to self-finance or seek an outside loan, check that your personal credit history is in tip-top shape with a credit report from Equifax, Experian or Trans Union. Since you don't have a business credit history, suppliers and lenders will base their decisions on your personal credit history.
Be prepared
No matter where you turn for capital, you'll need to provide solid documentation that your business concept is sound. Be prepared with a convincing business plan, cash flow projections and personal financial statements and tax returns. With the right materials, you can convince lenders and investors that you'll be able to repay the loan.
I recommend:
Get help writing a business plan with Business Plan Pro software.
Friends and family connections
Money that's raised privately can be a boon, because it may be interest free or low interest. However, you should be aware that interest-free gifts may have tax implications. Loan requests should be professionally presented and include detailed financial projections. Avoid the temptation to forego formalities with loved ones. Draft a promissory note when getting a loan from friends or family so that interest payments are clearly detailed. Be prepared that if the business fails, it could damage personal relationships with investors.
I recommend:
Download a promissory note template by clicking on your state at InternetLegalResearchGroup.com or at BusinessNation.com.
Go through banks or credit unions
If you can show that your business proposal is strong, you may be able to land a loan from your bank or credit union. These loans are issued in many types, with varying interest rates and maturity dates. Most are secured against hard assets, such as real estate or equipment.
I recommend:
Before heading to a bank, visit your local Small Business Development Center. They can offer advice on how to make your presentation to bankers and direct you to banks that are start-up friendly.
Look for angel investors
Angel investors are individuals or groups that provide capital for business start-ups, often in exchange for ownership equity. More money is invested annually through angel investments than through venture capital financing.
I recommend:
Find a directory of angel investment groups at the Angel Capital Association or send a request to find angel investors at GoBigNetwork.com.
Consider venture capital
Venture capitalists fund few start-ups and look to make large investments, typically over $1 million. However, the U.S. Small Business Administration (SBA) licenses and regulates the Small Business Investment Company Program (SBIC), which does make venture capital investments in start-up businesses.
I recommend:
Check into the SBIC program to see if you can take advantage of this option.
Apply for an SBA loan
Nike and Apple Computer got their start with SBA equity loans. The money doesn't actually come from the SBA; it comes from participating banks. The SBA simply guarantees the loan, which helps budding entrepreneurs who might not normally qualify for a loan.
I recommend:
Find out if there's an SBA loan that's right for your new venture.
Tips & Tactics
Helpful advice for making the most of this Guide- Assess the creditworthiness or investment potential of your business concept before seeking funding.
- There's no silver bullet remedy for landing financing. So don't limit yourself by trying to force the wrong fit.
- Have a sense of your strongest assets when pitching potential investors or banks.
- Don't seek investors through classified ads.
- Your financing should align snugly with your business plan.