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Service 04

Business Financing

Most owners overpay for capital simply because they only ever ask one lender. We use our relationships we've built with banks and lenders across the nation, SBA lenders, and revenue-based funders — then put two clear paths in front of you. See your options first — no obligation to proceed.

Get pre-qualified
What we handle
  • Term Loans, LOC, SBA Loans & Biz Credit Cards

    Bank-backed capital at the lowest defensible cost.

  • Merchant Cash Advance

    Fast, revenue-based funding when speed matters most.

  • National Lender Network

    Use our relationships with lenders across the nation.

  • No Credit Impact

    See your options with a soft pull, no score hit. (Depending on product)

02 · Zero Risk

Check your options with zero risk — seeing what you qualify for won't touch your credit score.

Pre-qualification is a soft inquiry only: it tells us what terms are realistically on the table without leaving a mark on your report. The consultation is free, and you decide whether to move forward. A formal credit check happens only later, if and when you choose to submit a full application.

Or call (561) 888-9471
03 · Funding

Two ways to fund — smart money or fast money.

Term / SBA LoanPath 01

Smart Money

The lowest-cost capital available to most established businesses. Bank-backed term and SBA-style loans are priced as an annual interest rate and repaid in fixed monthly installments — ideal for acquisitions, real estate, equipment, and long-horizon growth where every point of cost matters.

Best For

Profitable, established businesses with reasonable credit and clean financials that can wait a few weeks for the best possible terms.

  • Priced as an APR, not a factor rate
  • Fixed monthly repayment over multiple years
  • Larger amounts at lower total cost
  • Underwritten on credit, financials & time in business
  • Typically funds in two to six weeks
Merchant Cash AdvancePath 02

Fast Money

Capital tied to your revenue, not just your credit file. An MCA advances you a lump sum against future sales, repaid as a small fixed slice of your daily or weekly receipts. It qualifies on cash flow, so newer or credit-challenged businesses can still get funded — and funded quickly.

Best For

Revenue-strong businesses that need working capital in days, value speed over lowest cost, or don't yet qualify for a conventional term loan.

  • Qualifies on monthly revenue, not credit alone
  • Priced as a transparent factor rate, not an APR
  • Repaid via small daily or weekly remittances
  • Light documentation — recent bank statements
  • Funding in as little as 24 to 48 hours
Apply for working capital
04 · Compare

Smart money vs. fast money, side by side.

Smart money vs. fast money, side by side.
Speed to fundingTerm / SBA Loan

Two to six weeks

Merchant Cash Advance

As little as 24–48 hours

Cost basisTerm / SBA Loan

Annual interest rate (APR)

Merchant Cash Advance

Fixed factor rate on the advance

RepaymentTerm / SBA Loan

Fixed monthly installments over years

Merchant Cash Advance

Small daily or weekly slice of receipts

Qualifies onTerm / SBA Loan

Credit, financials & time in business

Merchant Cash Advance

Monthly revenue and cash flow

DocumentationTerm / SBA Loan

Tax returns, financials, business plan

Merchant Cash Advance

A few months of recent bank statements

Best fitTerm / SBA Loan

Lowest total cost on a longer horizon

Merchant Cash Advance

Speed and flexibility when timing is tight

05 · Eligibility

What you need to pre-qualify.

  • Required:
    Time in business
    6+ months for MCA · 2+ years preferred for term / SBA
  • Required:
    Monthly revenue
    Roughly $10K+ in monthly deposits supports an MCA
  • Required:
    Credit band
    All bands considered — stronger credit unlocks term pricing
  • Required:
    Recent bank statements
    Three to six months to read your real cash flow
  • Required:
    Use of funds
    A one-line purpose helps us match the right product
No credit impact

Telling us about your business and reviewing your options is a soft inquiry — it does not affect your credit score and carries no obligation. A hard credit pull occurs only if you choose to submit a full, formal application.

Pre-qualification · soft inquiry

06 · By the Numbers
24–48h
MCA funding window
50+
Lenders in our network
$0
Cost to check your options
07 · Why Work With Us

One file. Every lender. Your best terms.

We Shop, You Choose

Rather than steering you to a single product, we run your file past banks, SBA lenders, and revenue-based funders, then bring back the real offers side by side so you can pick on the facts.

Honest Cost Comparisons

Factor rates and APRs aren't the same math, and that's exactly how confusing offers get sold. We translate both into plain numbers so you can see the true cost of fast money versus smart money.

Credit-Safe First Look

Pre-qualification is a soft inquiry that leaves your credit untouched. You learn what's realistically available before anything that affects your score ever happens.

Funded for the Next Move

Buying a business, covering payroll, stocking inventory, or financing an acquisition we're also brokering — we structure the capital around the move you're actually trying to make.

08 · Where We Lend

Financing nationwide, with roots in two markets.

01 / 02Acquisition & growth capital

Florida

As Florida business brokers, we pair financing with the deals we represent — pre-qualifying buyers for SBA acquisition loans and helping owners fund expansion across the state.

All Florida counties · Acquisition & working capital
02 / 02Tri-state working capital

New York / New Jersey

Owner-operated businesses across the tri-state lean on revenue-based funding to move fast. We give you access to capital on New York timelines without the cost of a Manhattan storefront.

NY, NYC, NJ & CT · Term loans & MCA
09 · FAQ

Financing questions, answered.

No. Pre-qualification is a soft inquiry that does not affect your credit score and is not visible to other lenders. A hard credit pull happens only if you decide to submit a full, formal application after seeing your options.

An APR expresses cost as an annual interest rate on a balance that shrinks as you repay — that's how term and SBA loans are priced. A factor rate is a fixed multiple applied to the full advance up front, regardless of how quickly you repay — that's how an MCA is priced. We'll convert both into plain dollar terms so the comparison is apples to apples.

A merchant cash advance can fund in as little as 24 to 48 hours once we have a few months of bank statements. A bank-backed term or SBA loan trades that speed for lower cost and typically funds in two to six weeks.

Often, yes. A merchant cash advance qualifies primarily on your monthly revenue and cash flow rather than your credit score alone, so businesses that don't yet qualify for a conventional term loan can still get funded.

Nothing. Reviewing your options and getting pre-qualified is free and carries no obligation to accept any offer we bring back.

Prefer to talk it through? (561) 888-9471

10
Prefer to talk it through?
(561) 888-9471

Disclosures

11 · Disclosures

  • Pre-qualification is performed as a soft credit inquiry and does not affect your credit score. A hard credit inquiry, which may affect your score, occurs only if you elect to submit a full, formal financing application.

  • Financing is offered nationwide. All financing is subject to lender approval, underwriting, and final terms. Rates, factor rates, amounts, repayment schedules, and funding timelines vary by lender, product, and applicant and are not guaranteed.

  • Estimated funding windows and qualification criteria shown here are illustrative and not an offer, commitment, or guarantee of credit. bizbrokerexperts.com is not a lender and does not make credit decisions.