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When do you need funding and/or Equipment?

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What programs do you offer to small businesses?

Working Capital Program

We all know capital is the lifeblood of any small business. The Working Capital program is designed to provide a quick cash infusion to the business. Most business owners find this program useful for purchasing inventory, adding new staff, increasing marketing/advertising, expansion, covering unexpected expenses, or taking advantage of a sudden business opportunity…the possibilities are endless. We typically fund the business the equivalent of 50-100% of their average monthly revenue. For example: Your business has $50,000/month in average gross revenue over the last 4 months, our offer for funding could range from $25,000-$50,000. A free consultation with one of our Financing Specialists will determine eligibility.

Equipment Purchase Program

Virtually every business requires specialty equipment or technology to be effective. The Equipment purchase program allows business owners to finance this equipment for a fraction of the cost of our competitors. From work trucks and heavy machinery to tanning beds and X-ray machines we can finance just about anything – New or Used! A free consultation with one of our Financing Specialists will determine eligibility.

What businesses qualify?

Working Capital Program

Virtually any business that’s been under the same ownership for at least 4 months and has at least $10,000/month in average gross revenue may qualify. Revenue needs to be verifiable on business checking account statements. A free consultation with one of our Financing Specialists will determine eligibility.

Equipment Purchase Program

Virtually any business owner may qualify for this program as long as their credit meets minimum requirements. This generally means a 600+ FICO and no open bankruptcies or large liens. No time in business or revenue requirements apply to this program, although start-ups may require higher minimum credit scores. A free consultation with one of our Financing Specialists will determine eligibility.

How much will I be approved for?

Your approval is determined by your businesses cash flow over the last 6-12 months, creditworthiness, business history, and other risk factors. We lend from $10,000-$5,000,000 on our Working Capital program and finance up to $250,000 on our Equipment purchase program.

What length terms do you offer?

Working Capital Program

4-60 month terms are offered.

Equipment Purchase Program

24-60 month terms are offered.

Do your programs have Prepayment Penalties?

None of our programs have prepayment penalties.  In fact some of our programs offer discounts for paying off early.

Is the Working Capital program a business loan or a cash advance?

We have the ability to structure funding either way to best suit our client’s business. Some businesses may benefit from a variable cash advance, others may prefer a traditional business loan with fixed payments. We strive to find the most cost effective solution for the business owner above all else.

How does your PRICING GUARANTEE work?

Formula Funding will beat any written offer for Working Capital or Equipment purchase or we will make your first payment for you!*

The following restrictions apply:

– The competing offer needs to be of the same terms, structure and collateral requirements.

– The competing offer needs to be commercially available to the public and verifiable.

– The competing offer needs to be dated within 30-days of our application.

– Guarantee applies to one (1) counter of the competing offer.  Honoring multiple counter offers are at Management discretion.

– Our offer is valid for 5 business days from the contract date.   Honoring offers after 5 business days is at Management discretion.

– First payment guarantee is limited to $500.00 for either the Working Capital or Equipment purchase programs.

We offer this unique guarantee because we are confident you will not find a lower cost on Working Capital or Equipment financing anywhere else in the market!

How can I use the funding?

You can use the funding for any business purpose.

How are payments collected?

Working Capital Program

Payments are generally made Monday-Friday excluding holidays. 22 small payments are made per month on average. Think of a normal monthly payment then divide that by 22. We utilize this micro-payment method to maximize the cash flow to the business owner and keep revenue streams as consistent as possible at all times.  We have found that traditional monthly payments on a short term loan put too much strain on a small business. As a built in safety net our daily payments are always a very small portion of the businesses daily deposits – usually in the 5-10% range. We set the payment up on an automatic ACH making it easy to manage and budget for.

Equipment Purchase Program

Traditional monthly payments are made over 24-60 months in length. First and last months payments are typically required up front. Automatic ACH payments may also be established.

What documents will I need?

Working Capital Program

A simple 1-page Application and your last 4 months of business bank statements is typically all that is required. Some scenarios may require additional documentation. Your Financing Specialist will let you know exactly what is required during your free consultation.

Equipment Purchase Program

A simple 1-page Application and your Equipment Quote is typically all that is required. Some scenarios may require additional documentation. Your Financing Specialist will let you know exactly what is required during your free consultation.

Why wouldn't I go to my local bank or the SBA?

We highly encourage our clients to go to a bank prior to calling us! Big banks typically have impossibly high credit and cash flow standards, steep asset and collateral requirements, and usually take months to give you a straight answer. Furthermore, Big Banks only approve approximately 1 in 10 business applicants. Once you jump through the banks hoops and red tape you will appreciate our streamlined approval process even more!

What if my credit isn’t perfect?

Perfect credit is not required! We can accept credit scores as low as 500 and some of our programs have no credit requirement at all.

What states do you lend in?

We lend in all 50 states.

Do you offer start-up or seed funding?

YES and NO: our Working Capital program requires at least 4 months of business history with at least $10,000/mo in average gross deposits.  Our Equipment Purchase program accepts start-ups and first time business owners.

Do I need to process credit cards?

No, we can approve businesses that do not accept credit cards.  Our Equipment purchase program has no revenue requirement at all.

Who do I contact if I have additional questions?

Call 877-240-4163 or email us at

How do I get started?

Simply call 877-240-4163 or Apply Now

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