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.
Merchant Cash Advance / Working Capital
For your small business
Same day funding
Finance $10,000 to $5 million
Flexible financing terms
Merchant Cash Advance / Working Capital
For your small business
Same day funding
Finance $10,000 to $5 million
Flexible financing terms
What Is A Merchant Cash Advance / Working Capital?
A Merchant Cash Advance (MCA) is a financing option that provides upfront capital in exchange for a percentage of your future credit card or daily sales. Rather than fixed monthly payments, repayment adjusts with your revenue—higher sales lead to faster repayment, while slower periods result in lower daily payments. This flexibility makes MCAs and working capital solutions ideal for businesses with fluctuating cash flow.
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 working capital options have no minimum FICO requirement.
LARGER AMOUNTS
Get matched with competitive offers that provide higher funding limits based on business performance.
SAME DAY FUNDING
Our technology-driven underwriting process allows qualified businesses to receive funding the same day.
What Is A Merchant Cash Advance / Working Capital?
A Merchant Cash Advance (MCA) is a financing option that provides upfront capital in exchange for a percentage of your future credit card or daily sales. Rather than fixed monthly payments, repayment adjusts with your revenue—higher sales lead to faster repayment, while slower periods result in lower daily payments. This flexibility makes MCAs and working capital solutions ideal for businesses with fluctuating cash flow.
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 working capital options have no minimum FICO requirement.
LARGER AMOUNTS
Get matched with competitive offers that provide higher funding limits based on business performance.
SAME DAY FUNDING
Our technology-driven underwriting process allows qualified businesses to receive funding the same day.
What Do You Need To Qualify?
4+ Months in Business
Eligible businesses may qualify with as little as four months of operating history.
$10,000+ Monthly Gross Sales
A minimum of $10,000 in monthly revenue (or $120,000 annually) is required.
No Minimum FICO
Approval is based primarily on cash flow, not credit score.
Why Strategic Business Capital LLC?
Stellar Reputation
Trusted by thousands of business owners, our financing experts are committed to solving real business challenges.
Technology-First Approach
Our AI-powered platform streamlines approvals and delivers fast, flexible working capital solutions.
Multiple Options
Compare offers and choose the solution that best fits your business needs.
What Do You Need To Qualify?
4+ Months in Business
Eligible businesses may qualify with as little as four months of operating history.
$10,000+ Monthly Gross Sales
A minimum of $10,000 in monthly revenue (or $120,000 annually) is required.
No Minimum FICO
Approval is based primarily on cash flow, not credit score.
Why Strategic Business Capital LLC?
Stellar Reputation
Trusted by thousands of business owners, our financing experts are committed to solving real business challenges.
Technology-First Approach
Our AI-powered platform streamlines approvals and delivers fast, flexible working capital solutions.
Multiple Options
Compare offers and choose the solution that best fits your business 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 review available working capital options with you.
Step 3. Receive Your Funds
Complete the process and access funding in as little as 24 hours.
"Strategic Business Capital LLC provided exceptional service and took the time to understand my business. Their team focused on building a strong long-term financial relationship, not just a quick transaction. I recommend them without hesitation."
Resources & Frequently Asked Questions
What's the difference between a merchant cash advance and a loan?
A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.
How does a merchant cash advance work?
A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.
How easy is the mca approval process?
Merchant cash advances (MCAs) are generally considered to be an easy type of business financing to qualify for, with approval rates as high as 90%. MCAs are often available to businesses that may not qualify for other types of loans, such as small business loans, equipment loans, or business lines of credit. MCAs are based on a business’s cash flow, not its credit history or business history.
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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