Small Business Loans
Providing Business Loans ranging from $5,000 - $250,000, with terms between 3 - 18 months. This is true small business loan with fixed terms and payments, which is typically up to 50% less expensive than a merchant cash advance.
| Program Offer |
Who Qualifies |
Loan Size
$,5,000 - $250,000
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Time in Business
1+ years
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Term
3 - 18 months (average 6 - 9 months)
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Location
US Businesses Only
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Rate
18% of the total loan on average
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Annual Revenue
$100,000+ Gross Revenue
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Payment
Deducted directly every business day
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Personal Credit
500+ FICO Score
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Security
Personal guarantee, and in most cases a lien on assets (not realty, specific or personal assets)
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Industry
700+ industries support, see restricted industries list for more information.
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Benefits of a Business Loan
True Loan, Not a Cash Advance
Your loan includes fixed terms and we report your payment history to the credit agencies, whereas there are no credit benefits to using a merchant cash advance.
Daily Loan Repayment
We use daily payments, which are made directly from your business bank account each business day. These fixed, daily payments are proven to prevent the snowball effect often caused by missing larger monthly payments.
Funding in as little as 1 day
Decisions are made in minutes - no waiting, no obligations. Loan terms and conditions are transparent and funds-by-wire transfers are issued 4 times daily - 11am, 1pm, 3pm and 4pm EST.
Approvals on Poor Credit
eCE ™ Financing judges small businesses differently than the banks, with a focus on cash flow instead of personal credit scores or collateral. This means that we can lend to many businesses who may have been denied by their bank.
Spend the Loan How You See Fit
Loans can be used for a variety of business related purposes including regular operating expenses, meeting cash flow needs in off peak seasons and expanding your business. You are free to spend the money on whatever is best for your business.
Restricted Industry List
Financial Services
- Banks, Credit Unions, Lenders
- Non-Bank Finance Companies
- Money Services Businesses
- Bail Bonding
- Factoring & Purchase Order Financing
- Financial Transaction Processing
- Credit Protection, Repair
- Collection Agencies & Debt Buyers
- Debt & Tax Reduction Services
- Investment Opportunities and Advice
- Securities & Commodities
- Insurance Related Services
- Real Estate Brokers or Agencies
- Property Managers
- Appraisers & Real Estate
- Lessors of Real Estate
- Tax Preparation Services
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Miscellaneous
- Energy Distribution
- Construction
- Printing
- Vehicle Manufacturing
- Funeral Services
- Vitamin Retailers
- Media Publishing & Production
- Telephone Carriers & Resellers
- Video Rental
- Schools & Day Cares
- Farming
- Blood & Organ Banks
- Sports & Performing Arts Venues
- Fitness Recreational Facilities
- Religious Organization
- Government & Non-Profits
- Online Auctions
- Historical Sites
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Services / Administrative
- Contracted Management Services
- Payroll Companies
- Call Centers & Answering Services
- Mailing & Fulfillment Houses
- Attorneys
- Title Companies/Escrow Agents
- Notaries
- Stenography & Court Reporters
- Brokerage
- Personal Trainers
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Vehicle Sales - New & Used
- Automobiles
- RV & Trailer Dealers
- Motorcycle Dealers
- Boat Dealers
- Manufactured Home Dealers
- Mobile Home Dealers
- ATV/Snowmobile Dealers
- Outdoor Power Equipment
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Sellers
- Mobile Phone Dealers
- Pawn Shops / Consignment
- Discount Travel Clubs
- Subscriptions
- Mail Order Coin Sales
- Precious Metal Sales
- Magazine Subscriptions
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Travel & Transportation
- Non-Truck Based Freight
- Logistics/Freight Forwarding
- Passenger Transportation
- Marinas
- Travel Agencies
- Tour Operators
- Museums
- Zoos
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Vices
- Adult Entertainment
- Lotteries & Raffles
- Gaming & Gambling
- Drug Paraphernalia
- Drug Dispensaries
- Horoscope / Fortune Telling
- Guns & Ammunition Sales
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Helps Credit Score
Customer Service
Daily Payments
Spend How You Want
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