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.