Financing Options

MCA Alternatives: Better Business Funding Options by Express Capital Associates

Mca (1) — 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.

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 business loans that are partially guaranteed by the U.S. Small Business Administration (SBA) and offered through participating lenders. These financing programs are designed to help eligible small businesses access capital by reducing lender risk, which may result in more flexible terms compared to some conventional financing options.
SBA loans may be used for a variety of approved business purposes, such as working capital, equipment purchases, real estate, or business expansion. Eligibility, rates, terms, and approval timelines vary based on the specific SBA program, lender requirements, and the applicant’s business profile.
All SBA loan applications are subject to lender and SBA review, and approval is not guaranteed. Businesses considering SBA funding should be prepared to provide detailed financial and operational documentation as part of the application process.

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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, sometimes referred to as asset-backed financing, allows businesses to apply for funding by pledging qualifying assets—such as real estate, equipment, or inventory—as collateral. This type of financing may be suitable for businesses seeking capital for larger projects, long-term investments, or operational growth.
Because collateral is used to help secure the financing, lenders may offer different terms than those associated with unsecured options. Eligibility, funding amounts, rates, and repayment terms vary based on the type and value of the assets, the lender’s requirements, and the business’s overall financial profile.
Asset-backed financing is commonly considered by established businesses that have valuable assets and are exploring funding options for expansion, major purchases, or large-scale initiatives. All applications are subject to review and approval.

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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

Equipment financing is a funding option that helps businesses purchase or upgrade essential equipment such as machinery, vehicles, computers, or specialized tools used in daily operations. In many cases, the equipment being financed may serve as collateral for the financing, which can influence eligibility and terms.
This type of financing may be used to support business growth, replace outdated equipment, or manage upfront costs while preserving working capital. Available terms, funding amounts, repayment structures, and payment schedules vary based on the lender, equipment type, and the business’s financial profile.
Some lenders may offer financing that covers a significant portion of the equipment cost, with repayment periods commonly structured over multiple years. All equipment financing options are subject to review, approval, and lender-specific requirements.

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Bridge Funding

A bridge loan is a short-term financing option designed to help businesses address temporary funding needs while preparing for longer-term financing or anticipated cash flow. This type of funding is commonly used to manage timing gaps between expenses and incoming capital.
Bridge financing may be considered for situations such as supporting operations during seasonal revenue fluctuations, consolidating or restructuring existing obligations, or maintaining liquidity between funding rounds. Terms, repayment periods, and availability vary depending on the lender and the business’s financial profile.
Certain equipment or asset-related financing structures may offer potential tax considerations under Section 179 of the IRS tax code; however, eligibility and benefits depend on individual circumstances. Businesses should consult a qualified tax professional to determine applicability.
All bridge loan options are subject to review, approval, and lender-specific requirements.

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Merchant Cash Advance Banner (New Colors)

Express Capital Associates/mcash-advance

Merchant Cash Advance

Simple. Efficient. Flexible.
A Merchant Cash Advance (MCA) is an alternative business funding option that provides a lump sum of working capital in exchange for a portion of future business revenue. Funds may be used for a variety of business purposes, including operating expenses, inventory, or short-term cash flow needs.
Repayment is typically made through automatic deductions from your business bank account or card sales on a daily or weekly basis, depending on the terms of the agreement. Repayment amounts may vary based on sales volume and the structure of the advance.
Funding amounts, timelines, and eligibility requirements vary by provider and business profile. In some cases, approved applicants may receive funds within a short timeframe following approval, subject to verification and processing.
If you’re interested in exploring small business funding options, contact Express Capital Associates to learn more.
Call us at (646) 698-8600 to speak with a funding specialist.

Advance Amounts

$5,000-$500,000

Terms

3-18 Months

Factor Rates

1.15 To 1.49

Speed

as little as 24 hours

Business Line of Credit Banner (New Colors)

Express Capital Associates/Business Line of Credit

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

Loan Amounts

$10,000-$250,000

Terms

Revolving

Rates

as low as 5.75%

Speed

as little as 24 hours

SBA Funding Banner (New Colors)

Express Capital Associates/SBA Funding

SBA Fundings

Long-Term Financing Options
A Small Business Administration (SBA) loan is a form of business financing that is partially guaranteed by the U.S. Small Business Administration and provided through approved lenders. These programs are designed to help eligible businesses access capital for a variety of approved uses, including working capital, inventory, payroll, expansion, or other operational needs.
Because SBA loans involve both lender and SBA review, terms such as repayment length, rates, and funding timelines vary based on the specific loan program, lender criteria, and the applicant’s business profile. While the SBA guarantee may help reduce lender risk, approval and loan terms are not guaranteed and depend on several qualifying factors.
Businesses considering SBA funding should expect a detailed application and documentation process as part of the review.
For more information about SBA loan options, contact Express Capital Associates to discuss available programs.
Call (646) 698-8600 to speak with a funding specialist.

Loan Amounts

Financing options may be available from $10,000 up to $1,000,000, depending on eligibility, lender criteria, and business qualifications.

Terms

Repayment periods typically range from 1 to 7 years, based on the loan program and approval terms.

Rates

Rates vary by funding option, lender, and business profile. In some cases, rates may start at approximately 5.25%, subject to qualification and credit approval.

Speed

Funding timelines vary by loan type and review process. In some cases, approved funds may be available in as little as 10 business days, depending on documentation and processing.

Equipment Financing Banner (New Colors)

Express Capital Associates/Equipment Financing

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

Loan Amounts

Financing options may be available from $10,000 up to $1,000,000, depending on eligibility, lender criteria, and business qualifications.

Terms

Repayment periods typically range from 1 to 7 years, based on the loan program and approval terms.

Rates

Rates vary by funding option, lender, and business profile. In some cases, rates may start at approximately 5.25%, subject to qualification and credit approval.

Speed

Funding timelines vary by loan type and review process. In some cases, approved funds may be available in as little as 10 business days, depending on documentation and processing.

Factoring Banner (New Colors)

Factoring

Express Capital Associates/Invoice Factoring

Invoice Factoring

Support Short-Term Cash Flow Needs
Invoice factoring is a financing option that allows businesses to access capital by leveraging outstanding customer invoices. Instead of waiting for invoices to be paid—often within 30, 60, or 90 days—businesses may be able to receive a portion of the invoice value sooner through a factoring arrangement.
This option may be considered by businesses that experience delayed customer payments and need working capital to manage operational expenses such as payroll, inventory, or vendor obligations. Funding availability, advance amounts, and timelines vary based on the creditworthiness of the invoiced customers, invoice terms, and the factoring provider.
In some cases, eligible businesses may access funding based on a portion of their receivables, with maximum amounts dependent on approval and invoice volume. All factoring arrangements are subject to review, verification, and provider requirements.
To learn more about invoice factoring options, contact Express Capital Associates.
Call (646) 698-8600 to speak with a funding specialist.

Bridge Loan Banner (New Colors)

Express Capital Associates/Bridge Loan

Bridge Loan

Short-Term Financing Solutions
A bridge loan is a short-term financing option designed to help businesses manage temporary cash flow gaps while awaiting incoming revenue or longer-term financing. This type of funding may be used for a variety of business needs, such as covering operating expenses, addressing timing differences in payments, or supporting short-term initiatives.
Bridge loans are typically structured with shorter repayment periods and may offer flexible repayment arrangements depending on the lender and financing terms. Availability, funding amounts, repayment options, and timelines vary based on the business’s financial profile and lender requirements.
Bridge financing may not be suitable for every business and is intended as a temporary solution. All applications are subject to review, verification, and approval.
To learn more about bridge loan options and determine whether this type of financing may be appropriate for your business, contact Express Capital Associates.
Call (646) 698-8600 to speak with a funding specialist.

Loan Amounts

$25,000 - $5,000,000

Terms

6-24 Months

Rates

8.99% - 29.99%

Speed

as soon as 24 hours

Collateral Funding Banner (New Colors)

Express Capital Associates/Collateral Funding

Collateral Funding

Collateral funding, sometimes referred to as asset-backed financing, allows businesses to apply for funding by pledging qualifying assets—such as real estate, equipment, or inventory—as collateral. This type of financing may be considered by businesses seeking capital for larger projects, long-term investments, or operational growth.
By using assets to support the financing, lenders may structure terms differently than unsecured options. Funding amounts, rates, repayment terms, and eligibility vary based on the type and value of the collateral, lender guidelines, and the business’s financial profile.
Collateral-based financing may be appropriate for established businesses with valuable assets and clearly defined funding needs. All applications are subject to lender review, verification, and approval.
To learn more about collateral funding options, contact Express Capital Associates.
Call (646) 698-8600 to speak with a funding specialist.

Merchant Cash Advance Calculator

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Financing Options

MCA Alternatives: Better Business Funding Options by Express Capital Associates

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

Services

Equipment Financing

Bridge Funding

Express Capital Associates/mcash-advance

Advance Amounts

Terms

Factor Rates

Speed

Express Capital Associates/Business Line of Credit

Business Line of Credit

Loan Amounts

Terms

Rates

Speed

Express Capital Associates/SBA Funding

SBA Fundings

Loan Amounts

Terms

Rates

Speed

Express Capital Associates/Equipment Financing

Equipment Financing

Loan Amounts

Terms

Rates

Speed

Factoring

Express Capital Associates/Invoice Factoring

Invoice Factoring

Express Capital Associates/Bridge Loan

Bridge Loan

Loan Amounts

Terms

Rates

Speed

Express Capital Associates/Collateral Funding

Collateral Funding

Merchant Cash Advance Calculator

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