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Line of Credit
Similar to a personal credit card, a business line of credit provides you with a line of credit that is accessible for you to use at any time. You only pay interest on the portion of the line that you use, and once paid, funds become available for you to use again. This is a great option for businesses who want to stabilize their cash flow or those who are in need of short-term working capital.
Revenue Based Financing
Revenue Based Financing is an up-front sum of cash that is based on a business’s future sales. Though not technically a loan, this is a great option for businesses that need access to cash quickly. Because this is not a loan, there is no APR or compounded interest associated with this product. Instead, borrowers agree to pay a fixed percentage in addition to the amount provided.
If your business needs new equipment, but you don’t have enough available cash to make the purchase then this is a great option for you. Our equipment financing product allows you to choose between purchasing your new equipment or leasing it with rights to renew. Equipment loans involve regular payments that include both the principal and interest. Equipment leasing is similar to leasing a car where you pay “rent” for use of the equipment over a specified amount of time.
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“Straightforward and forthright. A positive experience. They let you know immediately if they have a way to work with you. They know their business well. If unable to help at the time they take time to explain where you need to work to have a future working relationship. They are personable and knowledgeable.”
“[My account manager] is an asset to [Kapitus]. I couldn't have asked for a better experience with Strategic. [He] was there every step of the way and it felt like he was my agent working to get me the best deal he could. Because of [him], I will certainly give [Kapitus] a right of first refusal for all my future funding needs.”
Owner, IT Training Center
“The gentleman I worked with was very patient and helpful and he explained everything in great detail. It was the very first time that I have ever borrowed money for my 30 year business. [My account manager] was very knowledgeable about the financing. Thank you and I expect to continue to use [Kapitus] in the future.”
Owner, Insurance Company
Ready to Apply?
If an SBA loan seems like the right fit for you, let’s get you ready to apply. To begin the application, you will need to be able to provide a minimum of your 6 most recent bank statements, last year’s business and personal tax returns, profit and loss statements, business plan and business debt schedule. Additional documentation will likely be required as you move through the underwriting process. If you’re still not sure that an SBA loan is right for you, you can use our financing matching tool or give us a call at (800) 780-7133 to speak with one of our financing specialists.