GET APPROVED IN MINUTES!
FAST BUSINESS FUNDING
We provide fast and easy business financing in all 50 states regardless of credit score. If you have $25,000+ a month in revenues, your company could qualify!
APPLY IN MINUTES
Our secure online application only takes a few minutes. Apply today & and qualify for the best options for your company!
We’ll review your business information and lay out all the funding options we have available. Our goal is to provide you with sensible options, quickly!
GET YOUR FUNDS!
Once approved, you’ll access working capital in a few hours! It's that simple!
CASH FLOW IS THE KEY
PROVIDING WORKING CAPITAL FROM $20,000 TO $20,000,000
What We Do
SMALL BUSINESS PROGRAMS
Using the latest technology, we quickly review your business information and match you with the right lending partners. We are connected to a vast network of lending professionals we handpicked to help fund your capital needs. With loan standards frequently changing, we stay on top of it all for you to deliver the right lenders at the right time. Our most successful clients typically start with a Merchant Cash Advance in order to address short term cash flow needs. Once we address this priority, we refocus on longer term strategies designed to improve the health of your company, including lines of credit, working capital loans, equipment loans, and more!
Business Funds to Meet Your Needs
Growing a business isn’t an easy task, that’s why Palm Beach Capital Funding (PBCF) offers flexible financing solutions to help fit your business’ unique needs. At PBCF, we specialize in fast, simple business financing.
Our financing options enable small businesses to access working capital when they need it most. We are 100% committed to the long-term growth of your business. We love referrals, so at PBCF the clients need is our priority.
FAST & EASY
Quick business loans for your company.
WITH NO HIDDEN CHARGES, NO EXTRA FEES, & NO DELAYS.
We are proud to provide clients with an easier way to get a quick access to working capital. We also work with entrepreneurs in all industries to help grow their business by providing commercial lending options that are much more accessible than a traditional bank.
At PBCF, we believe everyone deserves the opportunity to be a business owner. That’s why we offer fast working capital to companies owned by anyone regardless of race, creed, color, sex, ethnicity, etc. We also love to work with veterans, as our owner is a proud veteran!
If you’re interested in fast working capital through PBCF, you can use our easy online application tool to get the process started. With traditional bank lending being nearly unattainable, we offer a variety of funding options, including lines of credit, merchant cash advances, equipment leasing, unsecured business loans, real estate investment loans, invoice factoring, commercial mortgages, and more.
SERVING ALL INDUSTRIES
Access to Working Capital to Help All Businesses Grow!
If you already have a business and need additional capital, business financing may help you reach new heights.
Open Your First Store
Funding For Expansion
Restaurants & Bars
Open Another Locations
Working Capital and Loans For Accounting Firms
For New Projects
For Online Stores
Gun Store Loans
Frequently Asked Questions
How long will it take to receive my funds?Timing for receiving approved funding depends on many factors. Each lending partner has its own approval processes, and results in differing funding timelines. The typical time to fund can be anywhere from 24 hours to 6 weeks.
What is the difference between personal credit score and business credit profile?A personal credit score is a reflection of how someone repays their mortgage, auto loans, or other personal obligations and is typically demonstrated in a score from 300 to 850. The higher the score the better. A business credit profile reflects how business owner meets their business financial obligations. While there is no universal business credit score, some of the bureaus score different business behaviors to represent creditworthiness. The three primary personal credit bureaus are: Experian, Equifax, and Transunion. The three primary business credit bureaus are: Dunn & Bradstreet, Experian, and Equifax.Learn more about business credit and personal credit in our Business Owners’ Guide to Business Credit and our Business Owner’s Guide to Personal Credit.
What is a line of credit?A line of credit is a revolving form of credit that provides a predetermined capital limit and can be accessed as needed. Unlike a traditional term loan, all or part of the line can be accessed at any time up to the predetermined limit. Interest is only paid upon the amount actually used.
Is factoring a loan?Technically factoring is not a loan; it is the purchase of future receivables. A third party, known as a factor, purchases a company’s invoice(s) or purchase order(s) at a discount giving a business owner access to a percentage of that invoice or purchase order upfront, instead of when the invoice is paid. The balance, minus the agreed upon fees or discount, is paid to the business owner once collected by the factor.For example, if you had an invoice for $10,000, using a factor (or factoring that invoice) would allow you to access a percentage now, and the balance, minus the factor’s fee when the invoice was paid. Every factor is a little different, but let’s say the factor paid you $8,000 now and the factor’s fee was 6%, the transaction would look like this:$8,000 today + $2,000 – $600 (factor fee) when the invoice was paidBasically, you sold the $10,000 invoice for $600 to access the capital now, instead of later.You can read more about factoring in our Business Owners’ Guide to Factoring.
Can I get a business loan after bankruptcy?A bankruptcy in your past doesn’t necessarily preclude you from getting a small business loan, but it might make it more challenging. While not all lenders have the same requirements after bankruptcy, it’s unlikely a customer would qualify within the first year. Many lenders will require at least one year of improving credit history following the disposition of a bankruptcy.
What is collateral?Collateral is any asset or assets, which can be offered by a customer to secure a loan. Should a customer default, the lender can take possession of the asset, or assets, to satisfy the loan.
What is a personal guarantee on a small business loan?It’s common practice for lenders to require a personal guarantee from the business owner(s) to protect the lender should the business default on the loan. Lenders do this to mitigate the risk of lending to small businesses, and the guarantee is often a requirement by the lender before offering a loan. In the event of a default, a personal guarantee gives the lender additional options to collect the debt.
Do I need a business plan to get a loan?That all depends upon the type of loan you’re looking for. To qualify for an SBA loan you’ll need a business plan. While other lenders might not require a formal business plan, they will ask questions about loan purpose, how this loan might positively impact profitability, etc. Whether or not a lender requires a business plan, it’s a good idea to go through the exercise so you can articulate why you are looking for a loan and the benefit you expect to gain from the capital.
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