Your Best Source for Business Lines of Credit + Capital Investment Loans
What is a merchant cash advance?
Small business financing options typically with short payment terms, generally fewer than 24 months, and small regular payments, typically paid each business day as opposed to the larger monthly payments and longer payment terms associated with traditional bank loans.
Our merchant cash advance is flexible capital that works almost like a credit card, except you get access to cash and lower APRs. A line of credit is an arrangement that establishes a maximum loan the lender will allow the borrower to take. You can withdraw funds (as low or high as you wish) on the line of credit at any time, as long as you don’t exceed the maximum set in the agreement.
A business line of credit is similar to a credit card: you use it as you need it. You make payments on a regular, predetermined schedule, and you can borrow or use more as your principal is paid down. Unlike credit cards, the interest rate is typically slightly higher than the prime lending rate.
How can your rate be so much lower than a traditional bank loan?
Two ways, first a MCA is not a loan. Your repayment is directly from the processor that clears and settles your credit card payments.
Second, your company’s remittances are drawn from customers’ debit and credit-card purchases on a daily basis at a fixed rate until the obligation has been met. That way we get repaid on a more consistent basis (instead of waiting on monthly payment and the snail-mail lag time)
What are qualifications for working capital?
To qualify for MCA, you will need to submit at least three bank statements. We will also have to run a credit check occasionally.
How fast can I get my money?
As fast as 24 hours from when we get a filled out application and three latest bank statements.
BUSINESS LINE OF CREDIT EXAMPLE
A business is advanced $10,000 and agrees to pay back $13,000. This means the payback, or factor rate, is 30%. Moving forward, the business agrees to have 15% of the business’ credit card transactions withheld by the advance company (the holdback) until the $13,000 is collected. If the business is averaging $14,500 a month in credit card sales, approximately $2,160 would be withheld each month and the advance would be paid back in roughly six months.
Typical holdback rates may range from 10%-20%, though this can vary widely based upon the business and risk.
What is alternative lending?
Alternative lending is a term used to describe a wide variety of working capital outside of the traditional bank loan, including merchant cash advances, factoring, and accounts receivable financing. Apply here using our paperless application and receive feedback in 24 hours or less.
What metrics affect my business cash advance application?
There are two major factors that affect your application: your bank deposits and how long you have been in business. Filling out our simple confidential funding application costs nothing and you’re under no obligation.
What are your merchant cash advance amounts and terms?
Our advance amounts range from $5,000 to $500,000 with terms between three and twenty-four months. Our lines of credit go up to $20,000. The payments are made over six months, and the lines are revolving so as you pay down your balance, your available funds increase. We can do typically do 30% of your gross yearly revenue starting at a rate of 1.3% (rates fluctuate and are subject to change).
How does repayment work?
We deduct a fixed, daily payment from your business bank account on a daily or weekly basis, depending on the product you are approved for. These fixed payments help ensure minimal impact to your cash flow and are proven to prevent the snowball effect often caused by missing larger monthly payments.
Are We Lend Money™ advances unsecured?
Yes, our merchant cash advances are unsecured which often helps the small business owner’s profit-loss projections and accounting books.
How is We Lend Money™ different from other lenders?
We are faster than a bank or any other alternative lender on the market. Unlike banks, we can deliver decisions in minutes and we value your overall business performance – not just your personal credit score. We build your business credit and deduct fixed daily or weekly payments, rather than a batch percentage of your sales. Simply complete our confidential application, provide your business documents, and we’re ready to roll.
What industries do you work with?
We work with more than 700 different kinds of businesses in all 50 U.S. states, including restaurants, retailers, auto repair shops, healthcare professionals, HVAC contractors and many other service providers, as long as they are grossing $10,000 per month.
Why is it so hard for small businesses to get financing?
Small business lending has been slow to recover ever since the recession. Traditional lenders lack an efficient system to underwrite small businesses, so many tend to defer to the personal credit score of the business owner as a measure of creditworthiness. It’s also cost prohibitive to underwrite smaller sized loans – it’s more profitable to make a $3,000,000 loan than it is a $30,000 loan.

TIP:
A Business Line Of Credit financing does not build business credit because merchant cash advance providers do not report to business credit reporting agencies.
Rates for a merchant cash advance can be much higher than other types of financing, and rates vary widely by provider. It’s important to make sure the ROI is positive before you sign on the dotted line.
Why can We Lend Money™ approve more business niches than a bank?
We use our advanced scoring technology to make financing decisions based on the health of the business, rather than a personal credit score. We look at a variety of data points when analyzing businesses, and are able to deliver decisions in minutes and funding in as fast as 1 business day. And applying for credit is free and it doesn’t affect your credit score.
How is a We Lend Money™ MCA different from a traditional bank loan?
We are different than traditional lenders in three ways:
1. Our advances are between $5,000 and $250,000, with terms between 3 and 24 months. Bank loans typically have larger size loans – up to $5 million – and can have terms anywhere from two to 25 years.
2. While banks can take up to 2 weeks to review the application and an additional 30 to 60 days to fund the loan if approved, e make funding decisions in just a few hours and, once approved, can deliver funding in as fast as 1 business day.
3. As mentioned above, we deduct a fixed, daily payment directly from your business bank account each business day, which helps to ensure minimal impact to your cash flow. Traditionally, banks collect payments on a monthly or quarterly basis.
What documentation is generally required to get working capital from We Lend Money™?
We require that you submit three bank statements and a completed MCA application. If you have multiple businesses we need an application for each business entity and we can fund each business as a separate entity.
How does the application process work?
Our application process is simple and typically takes about 10 minutes. The fastest way to get approved is completing our FAST QUOTE form below.
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OUR RAPID FUNDING PROGRAM™ GUARANTEE:
Whether we process your loan in-house or with our partner lender you are backed by our We Lend Money Guarantee™ so you have peace of mind of a timely, professional experience and our wisdom from 27 years in business funding.
Preferred Industries
Accounting
Construction
Electronics
Energy
Fitness Centers
General Contractors
Healthcare Services
Learning Centers
Machinery
Manufacturing
Mechanics
Media/Entertainment
Professional Services
Rehab Centers
Restaurant / Cafes
Retail Stores
Technology Companies
Utilities
Wireless
*We are not limited to the industries listed above*