Financing Options

MCA Alternatives: Better Business Funding Options by Express Capital Associates

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Money with a 'Cash Advance' sign, symbolizing quick merchant cash advance solutions

Merchant Cash Advance (MCA): Your Fast Track to Business Funding

 

A Merchant Cash Advance (MCA) offers fast, unsecured funding for small businesses by providing capital based on future credit card sales. Unlike traditional bank loans, MCAs give business owners quick access to working capital, allowing them to leverage future revenue to meet current cash flow needs. This flexible financing option is ideal for businesses seeking a fast, hassle-free alternative to conventional lending. not technically a loan in the traditional sense, but rather a purchase of future receivables. 
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Services

Discover how Merchant Cash Advances (MCA) provide accessible and rapid funding for small businesses that require immediate working capital.
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Merchant Cash Advance
A Merchant Cash Advance provides fast, unsecured business funding by advancing capital based on your future sales. Ideal for businesses needing quick access to working capital without traditional collateral requirements. This revenue-based financing solution is perfect for immediate cash flow needs.
Benefit: Experience flexible repayment options that align with your daily or weekly credit card sales, ensuring repayments scale with your business performance. Get rapid access to business funds, allowing you to seize growth opportunities, manage unexpected expenses, or cover short-term cash flow gaps efficiently.





 
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Business Line of Credit
A business line of credit offers flexible, revolving financing that empowers your small or medium-sized business with ongoing access to capital. It functions like a credit card for your business, allowing you to draw funds as needed and repay them to free up more credit.
Benefit: Gain unparalleled control over your cash flow management by drawing only what you need and paying interest solely on the amount utilized. A flexible borrowing solution, a line of credit is perfect for bridging payroll gaps, managing inventory, or having a financial safety net for unforeseen operational costs.







 
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SBA Funding
SBA funding refers to loans backed by the U.S. Small Business Administration (SBA), designed to help small businesses access affordable financing. These loans typically offer lower interest rates and longer repayment terms compared to traditional bank loans, making them an attractive option for startups and established businesses alike. SBA loans can be used for a variety of purposes, including working capital, equipment purchase, or business expansion, providing flexible and accessible funding for small business owners.








 
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Invoice Factoring
Invoice factoring is a powerful accounts receivable financing solution that converts your outstanding invoices into immediate cash. By selling your invoices to a third party, your business receives upfront capital, typically within 24-48 hours, significantly improving your financial liquidity.
Benefit: Unlock cash from outstanding invoices instantly, eliminating the wait for client payments and boosting your business liquidity without incurring new debt. This debt-free financing method is excellent for businesses with slow-paying customers, enabling smoother operations and accelerating growth.

 
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Collateral Funding
Collateral funding, also known as asset-backed loans, allows businesses to secure larger financing amounts by using valuable assets (like real estate, equipment, or inventory) as collateral. This provides a secure pathway to obtaining the capital needed for significant investments or expansion.
Benefit: Access larger loan amounts and often benefit from lower interest rates compared to unsecured options, as the collateral reduces risk for lenders. Asset-based lending is an effective strategy for established businesses looking to expand operations, purchase major assets, or finance large projects by leveraging their existing valuable property.
 
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MCA Funding Calculator
Our intuitive Merchant Cash Advance calculator is a free online tool designed for businesses to quickly estimate MCA costs, total repayable amounts, and payment frequencies. Easily determine your estimated daily, weekly, or bi-weekly payments for better financial planning.
Benefit: Gain instant clarity on potential MCA offers, helping you make informed decisions about your business financing options. This free MCA calculation tool empowers small business owners to understand repayment structures and total costs upfront, simplifying your funding journey.

 
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equipment rental financing for businesses with truck for construction or industrial use.

 Equipment Financing

Sometimes, getting the right equipment for your business requires extra working capital. Our equipment financing option can help you lease new or pre-owned equipment that’s crucial for running your business. 
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Bridge Loan

Bridge loans are a great lending option for businesses that need money right away with flexible repayment options.

 
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Merchant Cash Advance
Simple. Fast. Convenient.

With a small business alternative funding, you will receive a lump sum of working capital to use for your business. This is a hassle-free financing option where a fixed payment amount will be automatically deducted from your business bank account every day, week, or month. You can get a small business loan as small as $5,000 or as large as $500,000 and receive funding in as little as 24 hours. 


If you're interested in Small Business funding, contact Express Capital Associates today. Give us a call:
(646)698-8600
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Advance Amounts

$5,000-$500,000

Terms

3-18 Months 

Factor Rates

1.15 To 1.49

Speed

as little as 24 hours
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Express Capital Associates/Business Line of Credit

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Business Line of Credit

Get Working Capital When Your Business Needs it the Most.  

Get a business line of credit up to $5,000,000 with no hidden fees. This is essentially a revolving access to credit, where you can draw approved funds whenever you need them – you don’t have to withdraw it all at once. You will only be responsible for repayment of the outstanding combined balance on the withdrawn amount plus any interest that may be charged.

Contact Express Capital Associates to learn how a Line of Credit can help your business grow. Give us a call: (646)-698-8600
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Loan Amounts

$10,000-$250,000

Terms

Revolving

Rates

as low as 5.75%

Speed

as little as 24 hours
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Express Capital Associates/SBA Funding

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SBA Fundings

Long-Term Flexibility.

A Small Business Administration Loan or SBA Loan is partially guaranteed by the U.S. government, and helps businesses receive working capital while securing long repayment terms and low interest. SBA loans are great for businesses seeking working capital to expand to a new location, make payroll, or buy inventory. The reason why SBA loans generally have much lower rates is because lender risks are minimal due to partial government guarantee.


For more information about SBA Loans, call the experts at Express Capital Associates today. Call: (646)698-8600
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Loan Amounts

$50,000-$5MM

Terms

5 - 25 Years

Rates

as low as 5.25%

Speed

as little as 30 days
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Express Capital Associates/Equipment Financing

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Equipment Financing

Upgrade Your Equipment and Free Up Your Working Capital.

Sometimes, getting the right equipment for your business requires extra working capital. Our equipment financing option can help you lease new or pre-owned equipment that’s crucial for running your business. There are no limitations; only YOU decide what equipment your business needs. You can get up to $150,000 in funding to finance virtually any type of equipment.

Contact Express Capital Associates for all of your Equipment Financing needs. Call: (646)698-8600
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Loan Amounts

 $10,000-$1,000,000

Terms

1-7 Years

Rates

starting at 5.25%

Speed

as soon as 10 days
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Factoring

MCA Merchant Cash Advance Calculator

Merchant Cash Advance Calculator

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Factoring

Facilitate Your Immediate Business Needs.

Convert your business invoices into immediate cash advances with our Invoice Factoring loan. It takes anywhere from 30 to 90 (or more!) days for most businesses to receive payments from their customers. If you can’t wait that long since you have employees to pay or other immediate business needs, we can help. With our Invoice Factoring option, you can get quick access to funds up to $10 million by submitting your outstanding 30, 60, or 90 day invoices.

Interested in learning more about Factoring? Call Express Capital Associates today: (646)698-8600
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Express Capital Associates/Bridge Loan

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Bridge Loan

Fast Funding and Flexible Repayment Options.

A bridge loan is a short-term loan that can alleviate short-term cash flow problems. Whether you are waiting to get paid from customers, purchasing new equipment, or need cash for unexpected circumstances, a bridge loan can provide the funding you need fast. Bridge loans are a great lending option for businesses that need money right away with flexible repayment options.

Call Express Capital Associates to see if you're eligible for a Bridge Loan. Call now: (646)698-8600
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Loan Amounts

$25,000 - $5,000,000

Terms

6-24 Months

Rates

8.99% - 29.99%

Speed

as soon as 24 hours
Invoice Factoring Banner (New Colors)

Express Capital Associates/Invoice Factoring

invoice factoring for small businesses with invoices, a pen, a calculator for managing cash flow and financing

Invoice Factoring

Invoice factoring is a powerful accounts receivable financing solution that converts your outstanding invoices into immediate cash. By selling your invoices to a third party, your business receives upfront capital, typically within 24-48 hours, significantly improving your financial liquidity.
Benefit: Unlock cash from outstanding invoices instantly, eliminating the wait for client payments and boosting your business liquidity without incurring new debt. This debt-free financing method is excellent for businesses with slow-paying customers, enabling smoother operations and accelerating growth.
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Express Capital Associates/Collateral Funding

handshake symbolizes a mutual agreement in collateral funding, where businesses use assets like property or equipment to secure financial support

Collateral Funding

Collateral funding, also known as asset-backed loans, allows businesses to secure larger financing amounts by using valuable assets (like real estate, equipment, or inventory) as collateral. This provides a secure pathway to obtaining the capital needed for significant investments or expansion.

 

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Disclaimer: Express Capital Associates is not a direct lender. We are a broker that works with third-party funding providers to arrange business financing. All funding is subject to approval and underwriting by independent capital providers. Terms, conditions, and approval amounts may vary. Express Capital Associates does not provide legal, financial, or tax advice. Please consult with a qualified advisor.
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