Small Business Loans
Small business loans allow existing companies to borrow money from various lenders.
Working Capital / MCA
Utilize your future sales to get great financing terms that are tailored for you.
Accounts Receivable
Financing
Turn your accounts receivables into cash to better manage your cash flow gaps.
Commercial Real Estate Financing
Unlock the capital you need to finance your commercial real estate projects.
SBA Loans
Get expedited SBA funding at a prime rate to cover working capital and growth expenses.
Fix and Flip Financing
Access the funding you need to renovate and resell properties
quickly.
Bridge Loans
Bridge the gap between transactions and keep your business moving forward.
Franchise Financing
Use for making investments in your business such as inventory or new locations.
Business Line of Credit
Flexible financing option that allows businesses to borrow funds as needed.
Equipment Financing
Use for investments in your business, such as expansion projects or large purchases.
Purchase Order Financing
Get the funds you need to fulfill large orders and grow your business with fast financing.
Startup Business Funding
Get the funds you need to launch your new business without cash flow challenges.
Accounts Receivable Financing
For your small business
Funding in 2 to 5 days
Finance $10,000 to $5 million
Terms from 6 months to 10 years
Accounts Receivable Financing
For your small business
Funding in 2 to 5 days
Finance $10,000 to $5 million
Terms from 6 months to 10 years
What Is AR Financing?
Accounts receivable financing allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting weeks or months for customers to pay, you can either sell your invoices to a lender or use them as collateral for a loan—providing immediate working capital to support operations and growth.
SIMPLE APPLICATION
Complete a quick 15-second online application and get matched with qualifying offers in minutes.
NO MINIMUM FICO
Credit challenges? No problem. Many AR financing options do not require a minimum FICO score.
LARGER AMOUNTS
Access higher funding limits based on the value of your outstanding invoices.
EXPRESS FUNDING
Our technology-driven process can reduce the funding timeline to as little as 2 days.
What is AR Financing?
Accounts receivable financing allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting weeks or months for customers to pay, you can either sell your invoices to a lender or use them as collateral for a loan—providing immediate working capital to support operations and growth.
SIMPLE APPLICATION
Complete a quick 15-second online application and get matched with qualifying offers in minutes.
NO MINIMUM FICO
Credit challenges? No problem. Many AR financing options do not require a minimum FICO score.
LARGER AMOUNTS
Access higher funding limits based on the value of your outstanding invoices.
EXPRESS FUNDING
Our technology-driven process can reduce the funding timeline to as little as 2 days.
What Do You Need To Qualify?
Minimum Outstanding Accounts Receivable
A minimum of $100,000 in B2B invoices, aged up to 90 days, is required.
$500,000+ Annual Gross Sales
Businesses must generate at least $500,000 in annual revenue to qualify.
No Minimum FICO
Approval is based primarily on invoice quality rather than credit score.
Why Strategic Business Capital LLC?
Stellar Reputation
Backed by thousands of 5-star reviews, our business financing experts will work with you to solve your business challenges.
Technology-First Approach
Our Intelligence uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.
Multiple Options
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
What Do You Need To Qualify?
$500,000+ Annual Gross Sales
Businesses must generate at least $500,000 in annual revenue to qualify.
Minimum Outstanding Accounts Receivable
A minimum of $100,000 in B2B invoices, aged up to 90 days, is required.
No Minimum FICO
Approval is based primarily on invoice quality rather than credit score.
Why Strategic Business Capital LLC?
Stellar Reputation
Backed by thousands of five-star reviews, our financing specialists are trusted to solve real business challenges.
Technology-First Approach
Our AI-powered platform streamlines approvals and delivers fast, flexible AR financing solutions.
Multiple Options
Compare offers and choose the option that best fits your cash-flow needs.
Strategic Business Capital LLC - our winning combination of quick delivery and excellent customer care. Getting started is easy.
Step 1. Apply Online
Submit a simple application and receive an instant pre-approval in seconds.
Step 2. Review Options
A dedicated financing advisor will walk you through available AR financing solutions.
Step 3. Receive Your Funds
Complete the process and access funding in as little as 24 hours after approval.
"I couldn’t be happier with Strategic Business Capital LLC and the service they provided. The team took the time to understand my business and offered multiple options so I could choose what worked best. From the initial call to funding, the process was fast and seamless."
Resources & Frequently Asked Questions
What does AR stand for?
AR financing stands for Account Receivable Financing. It is a type of financing where a company will receive a loan based on a portion of their account receivables. Accounts receivable are assets equal to outstanding invoices billed to customers but have not yet been paid
How does AR financing work?
Accounts receivable financing uses your outstanding invoices as a form of collateral to help you obtain financing or an advance for your business. But unlike factoring, you do not sell your invoices to a third party. You will continue to remain responsible for collecting on your outstanding invoices while making payments towards your loan.
What are average AR loan rates?
Accounts receivable (AR) financing rates can vary depending on a number of factors, including the factoring company, the size of the invoice, the creditworthiness of the customer, and the payment terms.
Innovation
Smarter lending solutions.
Integrity
Straightforward, honest lending.
Excellence
Efficient, client-focused service.
Innovation
Smarter lending solutions.
Integrity
Straightforward, honest lending.
Excellence
Efficient, client-focused service.
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