Taking Your Business To The Top

A merchant cash advance (MCA) is a purchase of a portion of a business’s future sales. Each business day or once a week, an automatic, fixed amount is ACH debited to repay the advance. The payments continue until the advance is paid in full. A merchant cash advance is not considered a loan.

• No fixed terms
• Unsecured capital
• Minimal documentation required
• Quick approval and instant funding
• Early payoff discounts

A merchant cash advance could be a great financing solution for your business. Although a merchant cash advance has the potential to be an expensive financing option compared to a traditional loan, it is one of the fastest ways to finance your business and often has the highest approval rate. In addition, a MCA can help avoid the need of bringing on investors and/or more partners.

Top Funding and its partners have developed a financing product that allows the business owner to leverage commercial property as collateral against their funding. This allows Top Funding to achieve the longest terms and highest approvals, as well as keeping the product at the lowest cost possible. This is made possible through products such as bridge loans, ground up construction, fix and flip, and portfolio refinance.

• Low APR rates
• Terms up to 30 years
• Approvals up to $50M

A business line of credit is a revolving available credit where a business can pull increments of working capital out as needed. Each draw made has its own payback schedule. Additionally, you are only paying interest on funds drawn.

• Simple interest
• Flexible terms

Factoring is a type of financing that gives businesses the ability to access working capital that is tied up in their outstanding invoices or accounts receivable. These invoices or receivables are removed from the business’ books and are added to the factoring company’s balance sheet at their fair value. The factoring company is purchasing these accounts receivable and then waiting on the customers to pay the invoice, whether that is 30, 60 or 90 days later.

• Funding from $10,000 to $25,000,000
• A fit for businesses of all sizes
• Quick turnaround
• No time in business required