BUSINESS FINANCING / NO COLLATERAL

BUSINESS FINANCING / NO COLLATERAL / BAD CREDIT OK

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  • NO Collateral Needed
  • NO Upfront Fees           
  • NO Restrictions On Using Your Funds
  • NO Tax Returns Required**
  • 24 Hour Approval
  • Credit Line Program Available

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  • NO Fixed Monthly Remittance Program
  • 100% Free Application
  • We Work With Bad Credit History
  • Quick & Easy Application
  • Funding In As Little As 2 Days 

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  • Does Not Affect Your Personal Credit
  • Very Competitive Rates & Terms
  • We Fund From $10,000 to  $7 Million
  • Funding Available Nationwide Except For California

Why choose 1st access capital?

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Banks Require Real Estate Collateral,

1st Access Capital DOES NOT

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Banks Take Up To 90 Days To Fund,

1st Access Capital FUNDS IN DAYS

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Banks Require A Perfect Credit Rating,

1st Access Capital DOES NOT

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Banks Require 3 Years Of Tax Returns,

1st Access Capital DOES NOT

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Banks Can Terminate/Change Your Line Limit At Any Time, 1st Access Capital DOES NOT ** (As Long As No Default) 

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Banks Require A Detailed Business Plan,

1st Access Capital DOES NOT

 

1st Access Capital is one of the fastest growing business finance companies in the USA & Canada. We have funded and helped many franchisees and businesses throughout the USA and Canada. We offer approved businesses working capital through our various financing programs.


Through our streamlined process and unique underwriting software system, we are able to underwrite and purchase a portion of your future credit card or deposit sales to provide working capital very quickly. In most instances, we have the ability to pre-approve your application within 24 hours with little paperwork involved. Upon approval, in most cases, you could get your funds in as little as 2 business days. Even if you already have one or more advance liens, we still may be able to (a) Consolidate all of your existing advance liens giving you lower payments (b) Consolidate all of your existing advance liens, provide additional capital and lower your payments (c) Advance you additional capital on top of your existing lien(s).


product descriptions

(MERCHANT CASH ADVANCE - "Credit Card Sales")

 

  • "Where Most Of The Business Revenue Comes From Credit Card Sales" (If most of the business revenue comes from cash deposits, check deposits or invoice, please review our other finance programs listed below).
  • A purchase of future payment / credit card sales.
  • No set amount due each month & no maturity date, no checks to write. there are no fixed payments. When your business is slow, you pay back less.
  • A fixed percentage of actual payment / credit card sales is automatically remitted daily.
  • Approved business owners can expect funds to be sent in as little as 2 to 3 business days.

Additional Information:

  • What we do under our Merchant Cash Advance Program is provide your funds based on your businesses  future credit card sales.
  • Upon funding the merchant / applicant, 1st Access Capital will automatically discount a mutually agreed upon pre-set fixed percentage on each of your daily credit card receipts. In other words, we work with your merchant processor to automatically deduct a percentage of your credit card sales. Under this particular program, we only take a portion of each credit card sale (the remainder is sent directly to your business operating account).
  • (Advantage): Under this program, we collect our money only as your sales occur. If you have a slow day, week or month, So Do We. Remember, we only collect a fixed percentage of your daily credit card sales, collecting only when your sales occur. There are never any fixed regular remittances due.
  • Once you have remitted 50% of the cash advance funds (with no instances of default), you could generally obtain additional capital from us quickly and easily.
  • Terms are between 3 to 24 months.

(BUSINESS CASH ADVANCE - "No Credit Card Sales")

 

  • "Where Most Of The Business Revenue Comes From Cash and Check Deposits".
  • A variety of repayment terms and amounts.
  • Payment is automatically debited from the business checking account.
  • Approved business owners can expect funds to be sent in as little as 2 to 3 business days.

Additional Information:

  •  What we do under our Business Cash Advance Program is provide your funds based on your businesses future cash, invoice and check bank deposits.
  • This program is meant for the business owner who obtains most or all of their business income from cash and check deposits.
  • Builders/Contractors, Landscape Companies and many other types of businesses often collect payment via check, cash or invoice.
  • Upon funding the merchant / business owner, 1st Access Capital will collect our money by deducting (ACH) a pre-determined amount from your business checking account automatically. This is done either through a daily, weekly or bi-weekly payment (ACH).
  • Once you have remitted 50% of the cash advance funds (with no instances of default), you could generally obtain additional capital from us quickly and easily.
  • Terms are between 3 to 24 months.

REVOLVING CREDIT LINE FOR BUSINESS OWNERS

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Find out more

INVOICE FACTORING FOR BUSINESS OWNERS

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Find out more

  • Funding time calculation reflects timing from funding to approval to initiation of ACH funds transfer.
  • Settlement of funds to business's bank account may take additional time depending on receiving bank.
  • Your rate, terms and approval shall depend on your credit scores, advance amount, time in business and other factors determined by the underwriting department.
  • ** Although we normally do not require tax returns under our business finance products, we may ask for tax returns depending on the size of the funding amount and other factors determined by underwriting dept.