Small Biz Flexpay/LOC/Working Capital
- Accountant
- Acute Care Facility
- Aerospace
- Alternative Energy Production & Services
- Architect
- Architectural Services
- Auditory Center
- Automotive Parts Store
- Automotive Repair
- Automotive Services
- Bakery
- Bar/Tavern
- Barber Shop
- Beauty Salon
- Bed & Breakfast
- Bicycle Shop
- Book Store
- Bottling & Distribution
- Bowling Alley
- Brewery
- Cafe in Fitness Center
- Cancer Radiology Center
- Cancer Treatment Facility
- Candy Store
- Car Wash
- Caterer
- Cheese Store
- Chemical & Related Manufacturing
- Chiropractor
- Cigar Store
- Clinic
- Coffee Shop
- Coin-Operated Laundries
- Commercial Cleaning Services
- Commercial Inspection Services
- Commercial Landscaping & Design
- Communication Company
- Computer Software
- Cosmetic/Plastic Surgery
- Defense Contractor
- Defense Electronics
- Dentist
- Diagnostic Imaging Center
- Diners
- Distillery
- Doctor
- Drug Manufacturing
- Dry Cleaner
- E-Commerce
- Electronic Store
- Electronics Manufacturing
- Engineer
- Endodontist
- Florist
- Food Gift Basket Store
- Food Manufacturing
- Food Processing & Sales
- Funeral Homes
- Gift Store
- Gourmet Food Store
- Gourmet Popcorn Store
- Grocery Store
- Ham Store
- Hardware Store
- Healthcare Professional
- Home Healthcare
- Hospital
- Hotel
- Ice Cream/Yogurt Store
- IT Hardware Sales
- IT Services
- Landfills
- Lawn and Garden Services
- Legal Services
- Liquor Store
- Locksmith & Security
- Logging, Timber & Paper Mills
- Logistics
- Lotteries/Raffles/Gaming/Gambling
- Marinas
- Marketing/Advertising Agencies
- Mail & Package Store
- Mall Food Outlet
- Manufacturing
- Meat processing & products
- Medical Equipment
- Medical Services
- Medical Spa
- Medical Supplies
- Motel
- Nail Salon
- Nightclub
- Nursing Home
- Nutritional & Dietary Supplies
- Optical/Vision Store
- Orthodontist
- Periodontist
- Pet Store
- Pharmaceuticals & Health Products
- Pharmacy
- Photo Studio
- Physical Rehabilitation
- Prepackaged Meals
- Printing & Publishing
- Professional Sports Arena
- Professional Sports Equipment & Services
- Quick Copy/Printing
- Radio Station/Services
- Restaurant
- Retail Store – Other
- Smoothie Shop
- Spa
- Sporting Goods Store
- Steel Fabricator
- Steel Production
- Telecom Services & Equipment
- Tractor & Lawn Mower Sales
- Trash Collection & Waste Management
- Urgent Care Facility
- Veterinarian
- Wholesale
- Winery
- Must be brick and mortar business, no home-based businesses
- Open and operating for at least one year (360 days)
- Minimum annual sales of $300,000 ($25,000 monthly)
- Guarantor with personal credit score of 600 or higher across all bureaus
- Client may have a maximum of 2 outstanding cash advances
- Funds can be used to exit cash advance
- Merchants may qualify for up to $1,500,000 (single-entity)
- Merchants may qualify for more with multi-entities
- Loan repayment terms from 12 to 36 months
Effective June 1st 2025, the SBA prohibits paying off non-bank, short-term debt like Merchant Cash Advances (MCAs) unless cleared by a complex financial spread test. This means MCA debt can block or delay your SBA approval. Get fast access to flexible and affordable working capital – without triggering ineligibility due to recent SBA refinancing restrictions.