• We will beat any written loan offer from our competition for rate and terms
• Multiple offers for you to choose from in 24 hours or less in most cases 
• The Business must have been in operation for a minimum of One Year
• The Business Must NOT have more than (3) NSF's in any given month
• The Higher your FICO better the terms (450 Min)​
• Can Go Behind a Bank Loan 
• No Restrictions on use of funds​
• Minimum Annual Revenue of Business- $100,000​
• Minimum Loan:  $10,000 
• Maximum Loan: $2,000,000 
• Remittance: Daily or Weekly through ACH
• Tax Liens: Payment Plan Required
• Bankruptcy: 2 years out​
• Terms are 3 -18 months 

Business Loans

Our term loan program provides you with a lump sum, capital injection with a fixed daily, weekly or monthly payment structure. When looking to make an acquisition, expansion, or take on a new project, sometimes you need a longer-term solution. Some business owners use our term loans to consolidate their more expensive short-term debt at a much lower rate and spread out their repayment over a longer period of time.

The set payment structure means you can predict exactly how the loan will impact your cash flow and can prepare accordingly.
Because they are long-term solutions, they are spread out over a greater period making the payments lower than those of many other financial tools.
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Some business owners are even able to use our loans to consolidate more expensive short-term debt at a lower rate spread out over a longer period of time, reducing stress on their business and freeing up cash to spend on marketing, inventory or bonuses to keep your employees motivated.
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• Min FICO - 600+ 
• Min 1 year time in business​
• The Business Must NOT have more than (2) NSF's in any given month
• Secured & Unsecured Loans Available (varies with each state)
• Minimum Annual Revenue of Business- $100,000​
• Minimum Loan:  $10,000 
• Maximum Loan: $5,000,000 
• Remittance: Daily, Weekly or Monthly (depending on lender)
• Tax Liens: Payment Plan Required
• Bankruptcy: 3 years out​
• ​Rates From 6% 
• Terms are 3 months to 10 years ( depending on lender)

​Accounts Receivable Financing
Financing between $50,000 to $5,000,000

Accounts receivable financing (A/R financing) is a great solution for businesses that need more funding when is not available from traditional lenders. Many businesses need additional cash flow to support seasonal demands, growth, business opportunities, or to solve a short-term cash need.  With our accounts receivable financing options, you can access cash without having to give up equity in your company, and it is less restrictive and less expensive than traditional equity financing.


Accounts Receivable Financing Program Details

• Primary Transaction Size:  $50,000 to $5,000,000
• Business Credit Type:  Accounts Receivable Invoice Financing
• Advance Formula:  Up to 90% of eligible Accounts Receivable
• Advance Frequency:  Daily, Weekly, Monthly
• Report:  Customized management reports

​Accounts Receivable Financing is Very Flexible:

• Increases as your business grows
• Decreases when you choose
• Makes it easy to transition back to conventional banking
• Makes paying off loans and making payroll worry-free
• Allows you to meet seasonal demands
• Gives you the opportunity to reinvest in business and fund marketing to grow your business
• Receivables management allows you to focus on your core business
• Allows you to take advantage of volume or early payment purchase discounts
• Fast response time including Proposal turnaround within one day
• Closing in as early as 7-10 days
• Cash for invoices within 24 hours

Business Lines of Credit

$50,000 to $5,000,000

With a Line of Credit, you have access to funds instantaneously and never have to worry about not having cash at hand for your business.  The process is simple! When an unexpected bill, purchase, or growth opportunity arises, simply access your Business Line of Credit account and receive funds instantly.   No hassle! No waiting! No application! You control the funds because you know what is best for your business!
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Advantages:

• Immediate Access to Funds with No Waiting or Application Process
• Completely Unsecured with NO Collateral Needed
• Only Pay Interest on Your Current Outstanding Balance
• Increased Line Limit Available without Further Documentation Needed
• Every Payment being 100% Tax Deductible

Minimum Requirements:

• FICO of Owner or Principal Shareholder:  700+
• Time in Business:  3 years+
• Prior Bankruptcy:  3 years out
• Low corporate debt to utilization ratio (30% or less)
• Positive Cash Flow:  2 years minimum

Purchase Order Financing

If your business is having problems finding financing for meeting a purchase order, you might want to consider purchase order financing. At We Finance America, we offer this type of financing to producers, wholesalers, distributors and re-sellers who need working capital to pay suppliers while growing their business. Instead of worrying about financing, you can focus on your business and sales.

Purchase order financing is ideal for businesses that are starting up or lack access to capital, because it’s based on purchase orders, not the borrower or history of the business.

​We’ve helped many different businesses, large and small, that needed cash to fulfill larger orders to stay relevant in their marketplace. 
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Benefits of Purchase Order Financing

• Don’t add debt to your company
• Don’t give up equity in your business to take on bigger orders
• Fulfill larger orders
• Make sure customer deliveries are on time
• Flexible funding
• Boosting your profits
• Expanding your market share
• Fast financing

Equipment Financing

Equipment leasing is often a great way for newer businesses to get the equipment they need to stay relevant in today’s market.
We offer leasing and financing for all types of business entities, including municipal agencies, police and fire departments, public schools and more.

One special program we have is for companies with less-than-perfect credit. We know that you may have been hit by the tough economic times, and we want to help you find stability even if your personal credit has been damaged. Equipment leasing can help your business keep up with new technologies without breaking the bank.

​If you need working capital, we have a sale and leaseback program which allows you to use your equity in your existing equipment as working capital. We purchase the equipment from you, then lease it to you for a term. After you make the payments, ownership transfers back to your business. If this sounds beneficial to your business, discuss the particulars with our financial specialists to learn more about how it works.
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Benefits of Leasing

• Low monthly payments in fixed amounts
• Free up your cash for other needs
• Eliminate equipment obsolescence
• Tax and accounting advantages
• Preserve existing lines of credit for other needs
• Small down payments versus buying equipment