Direct Capital :
Financing :
Working Capital
Working Capital, Merchant Cash Advance & Unsecured Business Loans
What could you do for your small business with a quick cash infusion?
While big banks may decline businesses for a less-than-perfect credit score, Direct Capital believes that a small business with a healthy cash flow or record of strong credit card receivables should be supported with the financing they need. We provide this service in the form of a working capital loan or merchant cash advance.
We currently offer these two business financing options based on the following types of business performance indicators:
Strong cash flow and good payment behavior demonstrate the performance of your business and can help you to qualify for unsecured business loans from $5,000 up to $150,000. By reviewing business performance in addition to credit history, we extend working capital loans to companies that we believe in, but may have been considered too risky by traditional lenders. Typical uses for our small business loans include purchasing inventory, equipment, technology, temporary cash flow management (if your sales volume fluctuates), working capital supplementation, marketing to generate new business, and unexpected business opportunities that you just can't pass up.
A Merchant Cash Advance is the purchase of future credit card receivables; it is not a loan. Banks have all but stopped providing a line of credit to businesses. A merchant cash advance is a great way to get the cash you need if a line of credit is not an option for you. Sometimes called "credit card receivable funding" or "credit card factoring," eligibility for a Merchant Cash Advance is primarily based on the strength and consistency of your business' credit card sales. A Merchant Cash Advance may offer many benefits to small businesses and the small business owners who manage them.
Both our working capital loans and merchant cash advances have similar advantages.
- The process to receive money is quick and easy.
- The application process has minimal paperwork.
- There is no personal collateral needed.
- The financing is most often unsecured.
But the benefits don't stop there: the money can be spent on any business need. There is no fixed term. There is no fixed payment amount. Perhaps best of all: We get paid when you get paid.
No one works harder to get you the financing you need to keep your business moving. Contact us today. A Direct Capital Finance Manager will review your financial information with you and then recommend the best working capital option for you.