Options for small company finance that can help enterprises
Small businesses may grow big with Employer Capital.
Providing over 30,000 small companies with quick and inexpensive funding.
Simple Process
Apply immediately
Personalized Financing
Mainly designed for small enterprises.
Quick Funding
After approval, receive funds within hours.
What is Small Business Financing?
Business finance is when a small business obtains funding that is utilized just for business reasons, such as a business loan, line of credit, or merchant cash advance. In actuality, the majority of companies rely on small business funding to support a number of their demands. Small company funding can be used for everything relating to a firm, including marketing initiatives, location growth, and general operating cash.
Employer Capital has developed financing options to address the needs of small businesses since we are familiar with how they function. Our funding alternatives provide small businesses with the operating money they require when they need it most by providing a straightforward application process, transparent terms, and flexible payment choices.
An application is the first step in the process so that we can learn more about your small business. Our team will work hard to transfer your company’s cash as soon as feasible if we’re a good fit and your firm is ultimately approved. Check out our financing alternatives to determine which is best for your company!
Business Financing Options
Perfect for getting money all at once with set conditions and payments. Small businesses are excellent for filling cash flow gaps, making one-time equipment purchases, seizing fresh opportunities, or finishing large projects.
Loan Amount
Ranges from $5001 to $1 million.
Flexible Payments
Automatic withdrawal of Flexible Payments from the company bank account
Business Loan Terms
Terms for company loans begin at three months and go up to sixty months.
Key Advantages
The ability to access more significant dollar loan amounts, fixed payments, longer durations, and an uncomplicated application procedure
Payment Cycles
The ability to access more significant dollar loan amounts, fixed payments, longer durations, and an uncomplicated application procedure
Price & Fees
There will be a set fee or interest charge, and there may be additional costs as well.
Advance Amount
Ranges between $5000 to $500000
Flexible Payments
Automatic payments are based on a proportion of business credit card sales or other receivables for flexible payments.
Expected Date of Completion
There is no set payment term because payments depend on the number of company receivables.
Significant Advantages
Excellent for seasonal or high-credit sales and receivables organizations
Payment Frequency
Automatic payments with a customizable frequency dependent on the number of business receivables
Price & Fees
Fees may be assessed and subtracted from the advance amount when the receivables are acquired at a reduced cost.
**An estimated completion date is calculated based on the estimated time it will take the business to deliver the receivables (which will vary based on the business’ performance). These estimated completion dates typically range between 3 months up to 18 months, but this is only an estimate.
Merchant Cash Advance is excellent for companies looking for greater flexibility because the advance offers variable payments dependent on receivables such as credit card purchases.
A business line of credit is a versatile funding choice that operates rotating. It gives companies access to a predetermined amount of working capital funds they might use as needed. It is helpful for unforeseen costs and serves as a buffer for cash flow during lean periods.
Accessible Finances
Credit limits range from $5001 to $250,0005,001, up to $250,000
Flexible Payments
Automated withdrawals from the company bank account for flexible payments
Payment Terms
Payment lengths range from 3 to 18 months for amortization. The period might start over each time you withdraw money.
Significant Advantages
Flexible funding is ideal for repeat cash flow, which allows businesses access to working capital when they need it most
Payment Frequency
Fixed, daily, weekly, or monthly payments are taken from the listed company bank account.
Price & Fees
There will be a set fee or interest charge. There may be additional costs
Loan Amount
Loan Amounts range from $5001 to $1 million
Flexible Payments
Automatic withdrawals from the company bank account are made for the set payment amount.
Loan conditions
Loan periods begin at three months and go up to sixty months.
Significant Advantages
Access to rapid money until the company can get a loan with a longer duration
Payment Frequency
Automated daily, weekly, or monthly withdrawals are made from the company bank account on record for payments.
Price & Fees
There will be a set fee or interest charge. There may be additional costs.
Bridge loans are short-term loans that companies can get while they find long-term funding or pay off existing debt. Excellent for companies that want rapid cash flow to pay recent obligations.
An SBA Loan is a long-term, low-cost small company loan that may be used for commercial purposes and is partially insured by the government.
Loan Amount
From $500 to $5.5 million is available as loans
Payment Frequency
Payments are made every month from the registered account.
Loan Terms
Loan terms can be as long as 30 years.
Cash Advance
Advance amounts range from $20,000 to $1,000,000
Simple Process
Get immediate capital access for unpaid 30, 60, or 90-day invoices.
Easy Application
Just send your unpaid invoices.
Invoice Factoring*
Accounts receivables, also known as Invoice Factoring, enable businesses to convert past-due invoices into quick cash.
Asset-based loans are based on corporate assets pledged as security to obtain business funding. This enables you to borrow money to pay bills or make investments continuously.
Loan Amount
Loan amounts range from $50000 to $1,000,000
Payment Frequency
Set daily, weekly, or monthly payment intervals
Loan Conditions
Loan terms begin at six months and go up to three years.
Loan Amount
Loan amounts range from $75,000 to $2,000,000
Payment Frequency
Monthly payments from a saved account
Loan Terms
Loan terms range from five years to twenty years.
A loan to help with the cost of buying, developing, or fixing land to construct offices and other commercial properties.
To assist small businesses impacted by COVID-19, Employer Capital established our Government Aid Division.
The Employee Retention Credit (ERC) Program is our area of expertise.
Fast Turnaround
Get funds in as little as 30 days*
25+ Years of Finance Experience
No fly-by-night companies
Exact Qualifications
We get you the exact amount you qualify for and represent you incase of an audit.
Deep Expertise and Inustry Educators
Deep Expertise and Inustry Educators
Grow your business
Access to full loan amount upfront
use a broad range of business needs
Benefit from tax deductible interest
Free up operational cash flow
EMPLOYER CAPITAL assists you in managing your expenses by providing working capital to buy new equipment, pay talented employees, or expand your business.
The U.S. government grants R&D tax credits worth billions of dollars annually, yet many businesses fail to take advantage of them. Getting the money you deserve is simple with our help.
To optimize your return, we’ll assist you in assessing your clients eligibility and document your procedures.
Assess multiyear options
Offset payroll tax
Counter alternative minimum tax
Navigate IRS and state exams
Small Business Financing Questions to Consider
A merchant cash advance is a fantastic option for companies that accept credit cards, have a large volume of accounts receivable, or are seasonal. Payments are flexible because they are based on the companies’ credit card sales or other receivables. A small business loan might be a better option for a business if it wants a higher financing amount and fixed payments.
You can choose the best option for your company based on how long it will require working capital. Regarding financing for shorter periods, merchant cash advances and lines of credit offer the most flexibility. Since your company may have up to 60 months to repay a small business loan, they are excellent for long-term financing.
While some small business financing does consider your credit score, most commercial financing firms place more emphasis on your company’s success. A line of credit might require a higher credit score, whereas some financing options, like a merchant cash advance, typically allow for a lower credit score.
Since you can access a predetermined amount whenever your business needs it after approval, lines of credit may be the best option for business financing.