
Business Loans

Nationwide lender with the best programs in the country! america’s small business lending source Fast business funding made simple. Apply today get up to $500,000 tomorrow
Get funded in 3 easy steps
Funding as fast as one day simple and secure flexible payments
Get funded in 3 easy steps
Get a free quote, a Money Avenue Business Finance Consultant will contact you shortly thereafter to discuss your options.
Get approved in hours
Our streamlined application process allows us to provide you with a decision within hours.
Receive funds within 1 day
Once approved, it’s an easy transition. You can expect the funds to be deposited into your account in as little as 1 day!
Program Details
Quick Capital Credit Transformer
0% interest is common for 6-18 months | Business credit can also be used to help qualify |
24-hour pre-approval | Startup business can qualify |
True NO DOC financing program | Application to funding in 3 weeks or less |
No application fees | Credit approvals up to $150,000 per individual |
Multiple signers can be approved | No collateral requirements |
Credit partners can also apply | No cash flow requirements |
- $5,000-$150,000Approval Amount
- GoodCredit Quality
- None RequiredCollateral
- None RequiredFinancials
Business Revenue Financing
Business Revenue Financing is perfect for entrepreneurs who are looking for fast, easy money with little headaches. You can easily be approved for financing as much as $500,000 within 72 hours based on a simple review of your business bank statements.
This program is designed to help clients get funding based strictly on their cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.
You can be approved regardless of personal credit requirements.
Easy Qualification Process
Our Revenue Financing program is one of the easiest, hassle frees ways you can obtain business financing.
To determine approval the lender will review 4-6 months of your bank statements. All the lenders are looking for is consistent deposits showing your revenue is $120,000 or higher annually. They will also verify that you have been in business one year or more.
Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements and that you have more than 8 deposits in a month going into your bank account. Basically, all they are looking for is that you manage your bank account responsibly and have a decent number of consistent deposits.
If you meet these simple criteria, you can be approved!
Do You Have Credit Issues Now?
Our Revenue Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.
You can be approved regardless of personal credit quality, even if you have severe recent derogatory items and collections on your credit report. This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.
FAST Funding!
You can be pre-approved for our Revenue Financing program within 24 hours. You can receive your formal approval within 72 hours from submitting your application. And you can receive your money in your bank account within 7 days or less from applying!
Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!
Get Money Consistently!
Over 80% of our clients come back for even more financing after their initial approvals. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.
And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 24 hours or less!
Our Revenue Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!
Powerful Benefits!
24-hour pre-approval | Loan amounts to $500,000 |
Application to funding in 7 days or less | Get approved for additional future funding |
Easy bank statement review for approval | No application fees |
Get approved with bad credit | No collateral requirements |
3-36-month financing terms | Get approved for up to 12% of annual revenue |

- $5,000-$500,000Approval Amount
- Bad Credit AcceptedCredit Quality
- None RequiredCollateral
- None RequiredFinancials
Account Receivable Financing
Many businesses wait weeks, even months to get paid on their outstanding account receivables. This typically creates major cash-flow issues as they provide their goods and services and absorb those costs until they eventually get paid sometimes 90 days later.
With our Account Receivable Financing you can regularly secure money against their receivables in as little as 24 hours. And you can get rates less than 2% and financing as high as $20,000,000 even with severely challenged personal credit.
Easy Qualification Process
Account receivable financing is very easy to qualify for as you won’t need financials or good credit to get approved.
To qualify for AR Financing your business must be open for at least 12 months. The lender will review your existing receivables or purchase orders, and will look into the company that your receivables are with.
If the companies who owe you money have a good history of paying their debts, you can easily be approved regardless of your personal credit quality.
Do You Have Credit Issues Now?
Our Account Receivable Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved and advanced 80% of your receivables, even with severely challenged personal credit and low credit scores.
You can be approved with a personal credit score lower than 500, even if you have recent derogatory items and major collections on your credit report. Lenders truly don’t care about your personal credit, they care more about the credit of the company who you have the receivables with.
This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.
FAST Funding!
After the lenders review your account receivables you can receive your initial approval and funding in 3 weeks or less. After you are initially approved you will be able to get paid on future receivables within 24 hours.
Really Low Rates Regardless of Credit!
With our AR financing program, you can get approved with really low rates even if you have severe credit challenges. In almost all cases your rate will be 2% or less even if your personal credit scores are less than 500.
This means you can get paid tomorrow instead of waiting weeks or months to get paid, and you can do this for less than the cost of you accepting a credit card payment from your customers.
There are very few other programs in existence that can give you these low rates even if you have severe personal credit challenges.
Powerful Benefits!
24-hour pre-approval | Receive an advance of 80% of your receivables |
Rates less than 2% | Receive other 20% less fee after invoice is paid |
Easy account receivables review for approval | No application fees |
Get approved with very bad credit | Application to funding in 3 weeks or less |
Get approved with no revenue requirements | Get paid on future receivables in 24 hours |

- $10,000-$20 millionApproval Amount
- Bad Credit AcceptedCredit Quality
- Account ReceivablesCollateral
- None RequiredFinancials
Small Business (SBA) Loans
Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with Secured Small Business Loans.
If you have positive business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12,000,000. SBA offers several programs including 504 and 7a loan programs you may qualify for.
SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital.
SBA will require certain documentation to qualify including business and personal financials, resume and background information, personal and business credit reports, a business plan, bank statements, collateral, and other documentation relevant to the transaction.
Approval amounts will vary based on the collateral their business has and the amount of net profit reflected on their tax returns. The total time to close these loans is about 2-4 months.
Low-interest and Long-term Business Financing
SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA, and get one of their popular CAPLines. Plus, in many cases interest rates are as low as 5-6% on the financing you secure.

- $250,000-$12 millionApproval Amount
- Good Credit AcceptedCredit Quality
- 50% of loan amountCollateral
- RequiredFinancials
Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with Secured Small Business Loans.
If you have positive business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12,000,000. SBA offers several programs including 504 and 7a loan programs you may qualify for.
SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital.
SBA will require certain documentation to qualify including business and personal financials, resume and background information, personal and business credit reports, a business plan, bank statements, collateral, and other documentation relevant to the transaction.
Approval amounts will vary based on the collateral their business has and the amount of net profit reflected on their tax returns. The total time to close these loans is about 2-4 months.
Low-interest and Long-term Business Financing
SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA, and get one of their popular CAPLines. Plus, in many cases interest rates are as low as 5-6% on the financing you secure.

- $250,000-$12 millionApproval Amount
- Good Credit AcceptedCredit Quality
- 50% of loan amountCollateral
- RequiredFinancials
Merchant Advance and Merchant Card Credit
Our Merchant Financing program is perfect for business owners who accept credit cards and are looking for fast and easy business financing! You can be approved for as much as $500,000 in financing with no collateral requirements and bad credit.
This program is designed to help you get funding based strictly on your cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.
You can be approved regardless of personal credit quality.
Easy Qualification Process
Our Merchant Financing program is one of the easiest, hassle free ways you can obtain business financing.
To determine approval the lender will review 4-6 months of your bank and merchant account statements. All the lenders are looking for is consistent deposits showing your revenue is $50,000 or higher annually. They will also verify that you have been in business 6 months or more.
Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements, low chargebacks on your merchant statements, and that you have more than 10 deposits in a month going into your bank account.
Basically, all they are looking for is that you manage your bank and merchant accounts responsibly and have a decent number of consistent credit card transaction deposits each month.
Do You Have Credit Issues Now?
Our Merchant Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.
You can be approved regardless of personal credit quality, even if you have recent derogatory items and collections on your credit report. This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.
FAST Funding!
You can be pre-approved for our Merchant Financing program within 24 hours. You can receive your formal approval and funds within 72 hours from submitting your application.
Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!
Get Money Consistently!
Over 80% of our clients come back for even more financing after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.
And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 24 hours or less! And we also provide you access to merchant credit lines where you can have consistent access to cash.
Our Merchant Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!
Powerful Benefits!
24-hour pre-approval | Loan amounts to $500,000 |
Application to funding in 3 days or less | Get approved for additional future funding |
Easy merchant statement review for approval | No application fees |
Get approved with bad credit | No collateral requirements |
Get approved with revenues of $50k or less | Get approved with revenues of $50k or less |
3-36 month terms | Get approved for up to one month’s revenue |

- $5,000-$250,000Approval Amount
- Bad Credit AcceptedCredit Quality
- None RequiredCollateral
- None RequiredFinancials
Equipment Financing and Leasing
A recent Gallup survey found that 80% of U.S. businesses lease a portion of their equipment. The list of companies using leasing ranges from the Fortune 500 to the family store.
We offer equipment financing and leasing programs for startup and existing businesses. You can get approved even with challenged credit, you won’t need financials to secure equipment financing, and approvals take as little as 24 hours.
Easy Qualification Process
You can be approved for Equipment Financing and Leasing with as low as a 640-personal credit score. To get approved lenders will request details on the equipment you are obtaining or using as collateral to borrow against.
After a quick credit review, you can be approved for as much as $2,000,000 in equipment financing.
Equipment Leasing is Powerful!
We help business owners obtain financing to lease equipment. With equipment leasing you receive even more favorable terms than typical business financing programs, with even more benefits.
Whether you are a startup business or a well-established business, we have hundreds of equipment lenders who would like to help. You can qualify with only two monthly payments as a down payment. And you can get approved with a credit score as low as 640.
Rates are affordable and 100% of your interest is tax deductible. Plus, you can get approved for financing ranging from $25,000 to $20,000,000
Equipment Sale-Leaseback Puts Cash in Your Pocket!
Our Equipment Sale-Leaseback program gives you cash using your existing equipment as collateral. If you have valuable pieces of equipment you can use those as leverage to obtain equipment financing. To qualify your equipment should be of higher value such as $25,000 or more.
If you do have a piece or multiple pieces of valuable equipment you can then sell those to the lender and they will in-turn lease the equipment back to you.
You get cash in your pocket, and you start a lease with the bank with lower payments and interest that is tax deductible.
Powerful Benefits!
24-hour pre-approval | No application fees |
Interest is Tax Deductible | Application to funding in 2 weeks or less |
Purchase, lease, or borrow against existing equipment | Heavy equipment financing available |
Loans to $20,000,000 | Get approved with average credit |

- $10,000-$2 millionApproval Amount
- Average Credit AcceptedCredit Quality
- EquipmentCollateral
- RequiredFinancials
Purchase Order Financing
Sometimes you might have large orders to fill but don’t have or want to use your cash flow to pay for the supplies needed to fulfill those orders. Our Purchase Order Financing is a short-term finance option that provides capital so you can pay your suppliers upfront so your company doesn’t have to deplete cash reserves.
Purchase Order Financing allows companies to grow without increased bank debt or selling equity. It also helps you increase market share by ensuring timely deliveries are made to your customers.
Our areas of expertise include production finance for work in process and Letters of Credit for trade finance. This includes import and export transactions as well as domestic trade purchases.
Easy Qualification Process
Purchase Order Financing is very easy to qualify for as you won’t need financials or good credit to get approved.
To get approved lenders will typically do a quick review of your outstanding purchase orders that need to be filled. If the purchase orders are valid and the suppliers you are dealing with are credible, you can be approved regardless of personal credit history.
Do You Have Credit Issues Now?
Our Purchase Order Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved even with severely challenged personal credit and low credit scores.
You can be approved regardless of personal credit quality, even if you have recent derogatory items and major collections on your credit report. Lenders truly don’t care about your personal credit, they care more about the reputation of your supplier.
This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.
FAST Funding!
After the lenders review your purchase orders you can receive your initial approval and funding in 2 weeks or less.
Powerful Benefits!

- $5000-$20,000Approval Amount
- Bad Credit AcceptedCredit Quality
- Purchase OrdersCollateral
- None RequiredFinancials
Inventory Financing
With our Inventory Financing program, you can obtain a low-rate credit line using your current inventory as collateral.
Secure a credit line for 50% of your current inventory value if your inventory is worth $500,000 or higher. You can be approved for a line with low rates, regardless of your personal credit quality.
Easy Qualification Process
Inventory financing is very easy to qualify for as you won’t need financials or good credit to get approved.
To qualify for Inventory Financing your business must have an existing inventory now that is valued over $500,000. The inventory might be of supplies, retail merchandise, materials used to produce your product, or other non-obsolescence inventory.
The lender will review your existing inventory and is also interested in the quality of your inventory management system. If you have inventory that qualifies you can be approved quickly with just a review of your inventory records.
Do You Have Credit Issues Now?
Our Inventory Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a credit line with low rates, even with severely challenged personal credit and low credit scores.
You can be approved regardless of personal credit quality, even if you have recent derogatory items and major collections on your credit report.
This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.
FAST Funding!
After the lenders review your inventory summaries you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.
Powerful Benefits!

- $150,000-$500,000Approval Amount
- Bad Credit AcceptedCredit Quality
- InventoryCollateral
- None RequiredFinancials
401k Plan Financing
Our 401k Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401 K plan or IRA. In as little as 2 weeks you can invest a portion of your retirement funds into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.
Easy Qualification Process
401k Financing is very easy to qualify for as you won’t need financials or good credit to get approved.
To qualify for 401k Financing all the lender will require is a copy of your two most recent 401k statements. If your 401k has a value over $25,000 you can be approved, even with severely challenged personal credit.
Whatever percent of your 401k is “rollable” is the amount of financing you can receive. In many cases, you can secure a low-interest credit line or loan for 100% of your current 401k value.
Do You Have Credit Issues Now?
Our 401k Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.
You can be approved for a credit line with rates as low as 5%, regardless of personal credit quality, even if you have recent derogatory items and major collections on your credit report.
This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.
FAST Funding!
After the lenders review your 401k statements you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.
Powerful Benefits!
24-hour pre-approval | No penalties for roll-over |
Easy 401k review for approval | No application fees |
Get approved with very bad credit | Application to funding in 2 weeks or less |
Get approved with no revenue requirements | Rates of 5% are common |
Credit-line for 100% of rollable 401k | Based on proven IRS strategies |

- Up to 200%Approval Amount
- Bad Credit AcceptedCredit Quality
- 401k/IRACollateral
- None RequiredFinancials
Securities-Based Line of Credit
Our Securities-based Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in stocks or bonds to obtain a low-interest credit line.
In as little as 2 weeks you can invest a portion of your stocks or bond into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.
You can be approved for a low-interest credit line for as much as 90% of the value of your securities. Most stocks and bonds accepted, and you keep all the interest and appreciation from your securities. Plus, there is no pre-payment penalty and your securities remain in your name.
Easy Qualification Process
Securities-based Financing is very easy to qualify for as you won’t need financials or good credit to get approved.
To qualify all the lender will require is a copy of your two most recent securities statements. If your stocks or bonds have a value over $25,000 you can be approved, even with severely challenged personal credit.
Do You Have Credit Issues Now?
Our Securities-based Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 2-5%, even with severely challenged personal credit and low credit scores.
You can be approved for a credit line with rates as low as 2-5% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.
This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.
FAST Funding!
After the lenders review your securities statements you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.
Powerful Benefits!

- Up to 90% of ValueApproval Amount
- Bad Credit AcceptedCredit Quality
- Stocks, Bonds, Other SecuritiesCollateral
- None RequiredFinancials
Book-of-Business Financing
Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral. This program is the best program available for insurance agents regarding approval requirements and approval terms.
You can be approved for a 3-10 year loan or credit line for your insurance business, even if you have average credit. And all you truly need to qualify is a book-of-business of renewable commissions. You can even use the book-of-business for the insurance agency you are buying as collateral to get approved.
Easy to Get Approved!
Insurance agents rave about how easy this program is to qualify for. The lenders are mainly looking to insure you have a viable book of renewable commissions for your insurance agency. If you do, you can be approved even with a 520 personal credit score.
You can secure as much as 120% of the surrender value of your renewable commissions. And most agencies can qualify, excluding State Farm. All you need for approval is a complete application and breakdown of your renewables.
You can get rates as low as 4% over the Prime rate and you can get loan terms as long as 10 years helping keep your payments low.
Get Approved when Banks Say “No”!
Book-of-business financing is the absolute best long-term solution for insurance agents who can’t secure SBA, conventional type loan financing.
With Book-of-business Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand. You can get approved with just a quick review of your credit and renewable commission breakdown.
Unlike conventional financing you don’t need good credit, you can be approved even with severely challenged personal credit and scores as low as 520. Lenders are actually more interested in you supplying 3 solid references than they are with you having good credit.
Powerful Benefits!
Use book-of-business of renewable commissions to qualify | No application fees |
Get approved with bad credit | No other collateral requirements |
72- hour pre-approval | Rates of 4-9% plus prime based on risk |
Get approved when banks say “no” | Credit lines and loans available |
Secure as much as 120% of commission surrender value | Can be used to purchase an agency |

- $5,000-$200,000Approval Amount
- Bad Credit AcceptedCredit Quality
- None RequiredCollateral
- None RequiredFinancials

MARKETING
Do you want to gain more customers? Using your loan for marketing projects might be the right choice for you. You can invest in branded materials, social media campaigns, or test other marketing ideas.

PAYROLL
Once you receive a loan, you can put it towards payroll costs. You’ll be able to breathe easy knowing you can pay your valuable employees.

EXPANSION
Is your business growing rapidly? Then it might be time to expand your business! With additional financing, you can increase your space or unveil new product and service options.

PAYING BILLS
You likely have consistent bills that you must pay to keep your doors open and your lights on. With a small business loan, you’ll have funds available, so that you won’t risk missing a payment.

CASH FLOW
Many of the business owners we work with use their loan as cash flow stability. With added cash flow, you can pay for ongoing business expenses while having additional cash to use for other costs.

INVENTORY
Are you worried about having enough inventory in stock? With a business loan, you’ll be able to pay for inventory orders, while still having funds for other areas of your business.

RENOVATIONS
Whether its equipment upgrades, interior updates, or exterior projects, there may come a time that you’ll need to make renovations. Without making these updates, you could put your business at risk, so consider using your loan for this area.

TAXES
It can be challenging to pay taxes while keeping your business up-and-running. Luckily, if you have a loan, you’ll be able to pay your taxes without taking away funds from your day-to-day operations.
Industries we lend to most prominently
- Construction
- Healthcare & Social Services
- Real Estate
- Hotels & Restaurants
- Retail Trade
- Finance, Accounting & Insurance
- Transportation & Warehousing
- Marketing, Media & Advertising
- Legal Services
- Scientific & Technical Services