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Get the capital your business needs to expand, advertise, build inventory, or pay expenses

Small-Business Financing

As The Business Authority on lending, we provide complete, end-to-end financing options designed for small and medium-sized businesses.

  • Financing programs include Merchant Cash Advance, Accounts Receivable Financing, and flexible Term Loans.
  • Large or small, your financing needs are covered. We offer lending options from $5,000 to $10 million:
    • Merchant Cash Advance: $5,000 to $250,000.
    • A/R Financing: $50,000 to $1 million (or higher with participation).
    • Term Loans: $50,000 to $10 million.
  • We offer Accounts Receivable Management Services.
  • We provide business financing in all 50 states.

We are experts at helping small-business owners who are temporarily unable to secure conventional (bank) financing. With our experience and focus on the small-business market, we can effectively identify, evaluate, and structure financial needs unique to small businesses.

Merchant Cash Advance is NOT A LOAN and it is FAST!

We know how difficult it is for small-business owners to raise capital through traditional channels in today’s climate. This is where our Merchant Cash Advance solution can help.

  •  Merchant cash advances are NOT LOANS, but are based on your future credit card sales, from $5,000 to $250,000.
  •  Merchant cash advances are ideal for retail, restaurant, and service-based businesses that currently process credit card payments.
  •  It does not count as a negative against your assets on your balance sheet
  •  Perfect credit is not required.
  • It does not count as a negative against assets on your balance sheet.
  • No lengthy application process. Get cash-in-hand in as few as three days

Accounts Receivable (A/R) Financing

If you’ve ever experienced short-term cash problems, Accounts Receivable Financing may be an ideal solution for your working capital needs. With this financing option, you can quickly turn your receivables into cash.

  • · Transaction size ranging from $50,000 to $1 million (or higher, with participation).
  • · Ideal for both Business-to-Business and Business-to-Customer business types.
  • · A/R Financing requires less rigorous underwriting and has a quicker turnaround time, compared with conventional financing.

Term Loans

As a full-service, non-bank lender, The Small Business Authority is able to provide a flexible, low-cost lending option that offers longer maturities than conventional loans.

  • Financing options from $50,000 to $10 million.
  • Competitive pricing with low down-payment requirements and limited or no prepayment penalties.
  • Pre-qualification within 48 hours.

Accounts Receivable Management Services

The Small Business Authority is able to provide businesses with professional back-office support, without the overhead.

  • Billing services
  • Lockbox collection
  • Payment processing
  • Monitoring and reporting services

Why finance your business with The Small Business Authority?

Since 1999, The Small Business Authority has been in the business of helping small businesses thrive. Even in today’s tough economy, we’re funding small businesses with millions of dollars in financing, and helping them reinvest, pay expenses, and, most importantly, succeed.

  • We’re the nation’s leading nonbank lender, specializing in end-to-end financing solutions for small businesses.
  • We’ve assisted more than 100,000 small-business owners in the areas of increasing revenue, reducing expenses, and minimizing risk.
  • We’re staffed with highly trained and certified professionals who specialize in helping small-business owners.
  • From beginning to end, we walk you through the process. We’re in this together.