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  • Loan Required?
  • Bank Deposits
  • Business Name
$15,000
$30,000

Merchant Cash Advance 360 – Loan Shop

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Discover the different loan programs we offer to small businesses. Short-term loans are easier to qualify for than most other small business loans, and they typically have much faster funding times. In exchange for those benefits short-term loans also typically carry a larger annual percentage rate (APR) than a general business loan. If you have a short-term financing need, this could be the best solution for you.

Business loans come in many shapes and sizes. The type of loan you should look for is largely dependent on how you are going to use the funds. The high-risk loan has a little higher rate than a collateralized loan.

Different types of business loans

Access to affordable business cash loans is one of the biggest challenges for businesses today. That’s why we offer a range of business loan programs to help you manage cash flow, improve technology, and grow for the future.

    • Merchant cash advance

    • Established businesses with steady credit and debit card sales who need funding quickly but lack the collateral or credit score required for a traditional loan
    • Business Line of credit

    • If you need the flexibility of being able to tap capital without having to take out a new loan, that’s a good reason to consider a business line of credit or a business credit card.
    • Loan for unpaid invoices

    • Borrow up to 100% of the value of your open invoices. For invoice financing, the unpaid invoices are used as collateral for a cash advance. Repayment may be made as either a lump-sum payment when the invoice is due.
    • Commercial Business Loan

    • Commercial banks provide a unique range of specialty lending services to help organizations of any size meet their needs - for both short and intermediate-term financing.
    • Startup Business Loan

    • Startup business loans with no collateral necessary are often financing options for new businesses that need capital, but don’t have more traditional financing options available to them.

Market Place for Small Business Loan

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We're the #1 online marketplace for small business loans products. Our online application enables quick and easy loans with low daily or monthly payments on great competitive rates. We’ve partnered with leading lenders to provide you the lowest rate on the business loan. Our step-by-step process helps you complete an effective loan request and match your business to the right lenders.

Our application process is easy, free and won’t affect your FICO ® score. Apply now, and get an instant credit decision, with funds in your account in as little as one business day. The firm provides fixed rate loans up to $350,000 using its own capital.

Business Loan Even with Bad Credit Score

Access to capital is the lifeblood of any small business. Private lenders like Merchant Cash Advance 360 ™ enable companies with poor credit scores to obtain capital. Because they are willing to fund firms that do not qualify for traditional bank loans with great customer support event with no collateral or other guarantees but on a slightly higher rate than banks.

For the example, we facilitated loan requests ranging from $25,000 to $3 million from companies in business more than two years with an average credit score above 350.

Alternative Business Lending

While banks rely heavily on traditional lending criteria, alternative lenders use big data technologies and advanced algorithms to evaluate borrowers' creditworthiness. Data points can include credit card activity, bank account activity, payment histories, earnings deposits, and even social media activity. Big data is one of the reasons why alternative lenders can afford to make loans that commercial lenders won't touch.

When most small business owners think of business loans, they think of cash advance loan. These are the most traditional forms of business financing that consist of receiving a lump sum amount of cash that is repaid over a length of time with a fee on top. However, there are plenty of other forms of business financing for small businesses as well. From business lines of credit to newer alternative products, it’s all because of private business lenders in the market.

Industries for the business loan

There are several industry-specific loans available to small business owners, helping you get established within your particular space.

    • Commercial Trucking Loans

    • Running and operating a trucking company is expensive! It takes 37 billion gallons of fuel to move 3 million trucks annually. A small business loan can help your company lease a fleet of trucks or implement a new training program.
    • Loans for Construction

    • Construction loans can help you cover equipment and labor costs for current projects and can allow you to take on new opportunities.
    • Retail Business Loans

    • Whether you're stocking inventory for a busy season or installing new in-store technology to improve customers' experiences, small businesses in the retail space can greatly benefit from the funds in a retail loan.
    • Loans for Auto Repair

    • The funds from an auto repair loan can help you purchase new supplies, hire additional employees and even invest in specialized trainings so you can handle the auto repair projects your small business faces.
    • Loan for healthcare facilities

    • Whether you require an immediate boost within your diagnostic imaging equipment or a quick replacement of a surgical device, an equipment loan can provide assistance in the fastest way possible. Equipment loans are frequently provided to senior housing, hospitals, pharmaceutical facilities, and emergency clinics.

Top 5 small business loans for 2019

While you may lack collateral, run a new business and need money quickly, you may find that an online lender is your best option. In general, online lenders should be a “last resort.” Here is a list of top 5 small business loan choices to explore in 2019.

SBA Loans Explained

Before deep diving into the various forms of financing, we do want to talk about the "best kept secret" in small-business financing: The Small Business Administration (SBA) and the various small business loan programs it creates. SBA loans aren't offered directly by the SBA itself but rather through various lenders that partner with the SBA (usually banks). The SBA guarantees portions of these loans and sets interest rate caps on them, which instantly makes these loans consistently one of the cheapest in the market.

www.sba.com

Commercial Real Estate Loans

Small businesses use commercial real estate loans to purchase or build commercial property. A commercial real estate loan uses the property being financed as collateral, allowing these loans to have low interest rates. Business owners can get a commercial real estate loan from a bank, commercial mortgage lender or specialty lender. The SBA also offers a commercial real estate loan, called the 504 loan. Commercial real estate loans can vary dramatically in their terms, maturities and repayment schedules.

www.investopedia.com

Small Business Loan

StreetShares has strived to differentiate itself in the market with consistent transparency and it shows. They're one of the few major online lenders to price their loans out with APR's and their customer service goes above and beyond in making sure borrowers know exactly what they're signing up for. On top of being transparent, StreetShares offers low APR's of 7% - 39.99%. Additionally, StreetShares offers term loans up to $250,000, which is slightly above average compared to other online lenders.

www.streetshares.com

Business Cash Advance, Inc

Business Cash Advance also is known as “merchant cash advance” is a most popular type of business financing. Get up to 150% of whatever you deposit into your business checking account on monthly basis with no collateral, personal or any other guarantees. This is a quick business funding to troubleshoot business cash flow and other running expenditures. The loan is based on your business performance. Otherwise, there is no collateral or personal guarantees required and no credit pulling.

www.small-business-loan.com

LendingClub

To qualify, your business must be at least two years old and make $75,000 in sales. Business owners must own at least 20% of the business, have a fair personal credit score or better and no recent bankruptcies or tax liens. APRs start at 9.77%, and borrowers can take between one and five years to repay their loans. With the help of a LendingClub client advisor, business owners can borrow from $5,000 to $300,000 with low origination fees and no prepayment penalties — meaning you could potentially pay off your loan early to save on unnecessary interest.

www.lendingclub.com

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