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Our Services

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Short Term

Short term loans allow for very fast funding, so you get a lump sum of cash with a predetermined payment term. Payment is usually made daily, weekly or bi-weekly. The short term loan is best for businesses with high and consistent sales that are in need of quick unsecured cash to use however you need.

Pros:

  • Fast Capital in as little as 24 hours

  • Unsecured

  • Easy approval process

  • Little documentation needed

Cons:

  • Cost of borrowing can be more

Best for:

  • Business that have high and consistent sales and bank deposits

  • Business that need financing right away

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Long Term

Term loan is a common form of long term business funding. You get a lump of cash upfront to invest in your business and repay with interest over a predetermined time period. This is best for businesses looking to expand that have good credit and strong business revenue.
This loan type offers fast funding typically within 2 days to a week.

Pros:

  • Get a lump sum amount of cash to invest in the business.

  • Borrow higher amounts

  • Get funding in 2-7 days

Cons:

  • May require some type of collateral

Best for:

  • Businesses looking to grow

  • Business owners with better credit and consistent business who can’t wait for funding

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SBA Loans

These loans are guaranteed by the Small Business Administration because of this they offer some of the lowest rates on the market, as well as long repayment terms and the ability to borrow up to $5 million. Repayment ranges from 7- 25 years based upon how you plan to use the money. SBA loans are best for strong credit borrowers who have been operating for 2 years and are willing to work on the long application process to expand their business or refinance debt.

Pros:

  • Lowest rates on the market

  • Borrow as much as $5 million

  • Longer repayment terms 7-25 years

Cons:

  • Long application process

  • More qualifications required

Best for:

  • Expanding businesses or refinancing debt

  • Business with good credit willing to wait for funding

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Business
Line of credit

A line of credit gives you access to funds up to your credit limit, which can be borrowed and paid back multiple times while only paying interest on the money you borrow. This is a flexible and typically unsecured way to borrow money for seasonal businesses, or businesses that need help managing cash flow or handling unexpected expenses.

Pros:

  • Flexible borrowing

  • Typically no collateral required

Cons:

  • May have maintenance fee or withdrawal fee

  • Good credit and consistent revenue required

Best for:

  • Short term needs

  • Seasonal businesses to help manage cash flow

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Real Estate Financing

Real estate financing is a great option for both investors and commercial property purchases. This option is best for individuals and businesses looking to purchase real estate

Pros:

  • Fast funding

  • Specialized funding option for real estate

  • No Document or minimum documents required

Best for:

  • Businesses looking to buy a new location

  • Investors looking to buy single family, multi family properties or fix and flip properties

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Equipment Financing

Equipment loans help you purchase equipment with competitive rates, if you have good credit and good finances. The equipment serves as collateral and the term is usually calculated off of the expected life span of the purchased equipment.

Pros:

  • After payments are complete you own the equipment

  • If you have good credit and strong finances you can get competitive rates.

Cons:

  • May need a down payment

Best for:

  • Businesses in need of equipment with competitive financing rates.

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Working Capital / Invoice Factoring

Working capital is for when your business has unpaid customer invoices that you can’t wait to be paid. You can use invoices to get cash now. Best for businesses with unpaid invoices that need fast funding, which is easier to get approved for compared to other similar options.

Pros:

  • Fast Cash

  • Fairly simple and easy approval

Cons:

  • Cost of borrowing may be high

Best for:

  • Businesses with invoice that need cash right away

  • Invoice with 30,60 or 90 day payment terms are best

Our 3 Step Process:

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Apply

Fill out our Quick Apply application.

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We review your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours

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Receive funding

Choose the program that fits you best and receive funding within 48 hours.

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Business Funding Solutions

We have the best & most affordable options to help you grow your business.

We are in business to help small businesses across the U.S.

  • No Upfront Fees!

  • No Broker Fees!

  • No Nonsense!

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Why Choose Us? It’s Simple

Faster Process

Approvals in 24 Hours,
Funding in Days

Easy, Simple Process

Minimal Paperwork

Required for Application

Bad Credit - That's OK

We Consider More Than Just Credit

Flexible Options

Multiple Lending Products to Fit Your Specific Business Needs

Personal Service

Consult With Your Own

Dedicated Funding Manager

Apply For Free

No Cost or Obligation to Apply

Bank Said No?
Relax, we got this…

  • Receive Funding In As Little As 48-72 Hours

  • Multiple Funding Options – Term Loans, Working Capital Advance,

  • Equipment Leasing, SBA Loans, and more

  • Consult With Your Own Dedicated Funding Specialist

  • We Work With Multiple Lending Partners On Your Behalf So You Don’t have to

  • We Will Get You the Best Rate And Term Possible

  • How do you provide value to my business?
    As entrepreneurs, we understand that you need enough working capital to fund the many aspects of your business. Our value is in providing the capital you need today to maintain and grow your business for tomorrow and beyond. The approval requirements for our lending programs are significantly lower compared to secured bank loans, so our funding programs are the fastest and easiest way to obtain the money you need. In addition, unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting—free of charge.
  • What is the application process?
    The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.
  • What are your minimum requirements to be approved for funding?
    ● Minimum of six months in business. ● Minimum of $10,000 in monthly revenues in most cases as low as $5,000 in some depending on what type of founding. ● Your business is based in the United States.
  • What can I use the money for?
    It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation.
  • I have bad credit and even a previous bankruptcy. Can you get me funding?
    This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least six months and 2) your business generates sales in excess of $8,500 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!
  • How long will it take to receive my money?
    Usually within 24 hours after a contract is executed and received.
  • How does the Main Source Lending process work?
    At Main Source Lending our process is very simple. We assess your future sales revenues and get you the money you need to maintain and grow your business. Once we receive the quick application or the full pre-qualification application, as well as a couple of supporting documents, funding takes place within 48 hours.
  • How much money am I eligible to receive?
    The amount that you qualify for varies, but is generally between 75%-125% of your business’ monthly sales revenue.
  • Are you providing me with a loan?
    Technically, this is not a loan. We buy a percentage of your future sales, and advance you that money upfront. In exchange, you agree to pay us back out of those future sales.
  • What types of businesses/industries do you work with?
    We work with over 500 different industry groups in a variety of sectors, such as food service, health care, automotive, textiles, manufacturing, construction, technology, and retail.
  • What information and supporting documents do I need to supply?
    We require copies of the following: bank statements, driver’s license, lease agreement, and a voided check from your business bank account.
  • How can I ensure that my application is processed as fast as possible?
    We do everything within our power to make the funding process simple, fast, and hassle-free, but we need your cooperation, too! The best way to avoid delays and receive your funding as quickly as possible is to provide all requested documentation to us in a timely manner.
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