N'site Financial, through our multiple business funding partners, can provide an immediate fix for your company's short-term need for cash. The funding choices we provide to you take more into consideration than credit score and debt levels which allows greater underwriting flexibility. We’re here to help you secure the best funding solution for your business based on your current financial situation.

Alternative Funding Solutions

Accounts Receivable Financing (Factoring)

Description: Immediate cash based on your outstanding receivables. The funding source advances up to 90% of one or more unpaid receivables. The funding source collects the amount owed on the unpaid invoice directly from your customer. After your customer pays the funding source, you receive the difference between the advanced amount already received and the invoiced amount paid by your customer, minus the fees.

Basic Requirements: Must be a provider of business-to-business products or services and currently has outstanding receivables to qualify for accounts receivable financing. This type of financing is based on the credit quality of your customer, not yours.

Funding Amounts: The maximum amount you can qualify for depends on the total amount and quality of your invoices, as well as your customers' creditworthiness.

Maturity Terms: Not a loan, no interest, no periodic payback terms. No loss in equity. Terms of the funding is satisfied when the funding source receives payment of the invoice from the customer, the funding source then pays you, less any fees.

Revenue Loans

Description: Loans given to existing businesses, primarily based on monthly revenue and cash flow. Loans are usually based on a percentage of annual revenue. Payback could either be a fixed amount for a fixed period of time or a small percentage of monthly revenue up to a specified period of time, depending on funding source..  

Basic Requirements: The source and consistency of revenue and the predictability of cash flow weigh heavily on qualifying, also the amount and frequency of bank deposits are taken into consideration. Good credit is not a requirement to qualify.

Funding Amounts: $10,000 - $2 million

Maturity Terms: Usually 3 - 18 months, up to 5 years in limited situations. Payments made either daily or monthly depending on funding source.

Asset Based Lending

Description: A flexible type of financing that provides a business credit-line based on the value of your accounts receivable, inventory and equipment.

Basic Requirements: Must be a provider of business-to-business products or services and currently has outstanding receivables, inventory or equipment of value to qualify for asset based lending. Good credit is not a requirement to qualify.

Funding Amounts: up to $5 million

Maturity Terms: Varies, based on the amount, value, age and useful life of the asset tied to the credit-line

Purchase Order Financing

Description: This type of funding allows you receive the supplies or materials needed to fulfill a purchase order from a credible customer for finished goods before an invoice is generated. The funding source arranges payment to the supplier, you receive the supplies or materials needed to fulfill the order. The customer, the end recipient of the order, pays the invoice amount to the funding source. The funding source pays you, less a service fee.

Basic Requirements: Must be a provider of business-to-business products or services and currently has a binding sales agreement with customer receiving the order. Based on the credit worthiness of the customer receiving the order.

Funding Amounts: up to $250,000

Maturity Terms: Not a loan, no interest, no periodic payback terms. No loss in equity. Terms of the funding is satisfied when the funding source receives payment of the invoice from the customer, the funding source then pays you, less any fees. 

Short-Term Business Loan

Description:  Like traditional business term loans, you receive a set amount of cash upfront that you agree to pay back, along with the lender’s fees, over a set period of time. However, with short-term business loans, loan amounts tend to be smaller, the repayment period significantly shorter, and you often pay the lender back daily instead of monthly.

Basic Requirements: At least 6 months in business. Cash flow amount and frequency of bank deposits are taken into consideration. Good credit and collateral could help to secure amounts over $25,000

Funding Amounts: $2,500 - $250,000

Maturity Terms:  Usually 3 - 18 months, up to 3 years in limited situations. Payments made either daily or monthly depending on funding source.

Merchant Cash Advance

Description:  This type of business funding allows a merchant to borrow against future credit/debit card processing sales rather than a real asset or collateral.

Basic Requirements: At least 6 months in business. Consistency of revenue, predictability of cash flow and amount in monthly credit/debit card processing sales. Good credit is not a requirement to qualify.

Funding Amounts: $2,500 - $250,000

Maturity Terms: 4 - 18 months. Payments made daily.

Conventional Funding Sources

Interested in Business Term Loans, Business Lines of Credit, Equipment Financing or SBA Lending? Please see our Conventional Funding Source

SBA-Backed Lending

Interested in Business Term Loans and Lines of Credit with federal agency backed repayment guarantee? Please see our SBA-Backed Lending