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Since we launched in 2014, we’ve helped countless small businesses grow and we intend doing so for many more. In some ways, we invest just as much as the lenders we represent . If you’re interested in expanding production, buying more stock or hiring new talent, then so are we.

85

Team Members

 

729

Clients Funded

 

30

Lending Partners

 

2014

Established

 

We grow by helping you grow!

Restaurants

Need To Expand?

Retail

Need Capital?

Beauty Salon

Need New Stock?

Construction & Specialist Tradesmen

Finance That Project!

Auto Repair

Need New Equipment?

MERCHANT CASH ADVANCE

Also known as a business cash advance, a merchant cash advance is a quick and easy source of cash that effectively brings forward your future card sales, using your card machine to secure lending rather than your personal or business assets. Your repayment terms are worked out based on a pre-agreed percentage of your monthly card transactions, and the total repayable amount is fixed. There’s no rush to pay it back as you only repay when you trade – so when business is slow, you’ll pay less, and vice versa

WORKING CAPITAL

A working capital loan is a loan that is taken to finance a company’s everyday operations. These loans are not used to buy long-term assets or investments and are, instead, used to provide the working capital that covers a company’s short-term operational needs. Those needs can include costs such as payroll, rent and debt payments. In this way, working capital loans are simply corporate debt borrowings that are used by a company to finance its daily operations.

TERM LOAN

A term loan is a loan from a bank for a specific amount that has a specified repayment schedule and either a fixed or floating interest rate. A term loan is often appropriate for an established small business with sound financial statements. Also, a term loan may require a substantial down payment to reduce the payment amounts and the total cost of the loan.

EQUIPMENT FINANCING

Equipment financing is the use of a loan or lease to purchase or borrow hard assets for your business. This type of financing might be used to purchase or borrow any physical asset, such as a restaurant oven or a company car. There is an enormous number of variations on equipment financing that cater to specific types of businesses and equipment.

REVOLVING CREDIT

Revolving credit is a line of credit where the customer pays a commitment fee to a financial institution to borrow money and is then allowed to use the funds when needed. It usually is used for operating purposes and the amount drawn can fluctuate each month depending on the customer’s current cash flow needs. Revolving lines of credit can be taken out by corporations or individuals.

SBA

Put simply, an SBA loan is a small business loan that is partially guaranteed by the government (the Small Business Administration), which eliminates some of the risk for the financial institution who is issuing the loan. SBA-guaranteed loans are  guaranteed up to 80 percent by the SBA, which helps reduce the lender’s risk and helps the lender provide financing that’s otherwise unavailable at reasonable terms

 Question & Answer

faq

HOW DO I APPLLY?

Apply in minutes by speaking to one of our team or alternatively download OUR SUBMISSION FORM (provided on this page) and email it to us with your documents and we will contact you within 1 hour (working days only).

DO I QUALIFY?

We welcome US based limited companies, sole traders and (unincorporated) partnerships. If you apply for a business loan, we have the following criteria:

  • You have a minimum of 6 MONTHS accounts
  • Your average MONTHLY turnover is $10,000
  • You don’t have active LIENS OR JUDGEMENTS
  • The director or shareholder is over 18 years of age.

If you apply for our merchant cash advance, we have the following criteria:

  • Your business accepts card payments
  • You have a monthly average of over $15,000 in card sales
  • Your business is in operation for more than 6 months

WHAT IS THE EXACT PROCESS?

After speaking to one of our representatives, we will ask you to provide us with some documents that we need to process your application and to find the right lender for you. Once we have these and depending on the type of product you want the chosen lenders underwriting team should have an answer for you within 24 hrs and on signing your completed paperwork, the funds in your account within 3 hrs.

DO YOU OFFER LOANS TO START-UPS?

Unfortunately most lenders don’t offer loans to startups. If you apply for a business cash advance a minimum trade of 6 months is required. For business loans, the applicant is required to have been trading for a minimum period of 12 months.

HOW CAN I CONTACT YOU?

You can phone us on +1 (646) 768-6280 Mon-Fri 8.00AM-8.00PM or email us at info@thecapitalinvestmentgroup.us,

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