Working Capital Offered

 $25K to $200K

 5-Yr. Term & Monthly Pay
(Not An MCA, or Cash Advance Product)

**No Origination Fees Or Closing Costs**

9% Comp
Paid at Closing in 7-9 days
No Chargebacks




When does this type of funding make the most sense?

  • When the business cannot get a bank loan right now.
  • When the business has one or more merchant cash advance (MCA) balances, and another MCA would cause too much stress on the business’s cash flow.
  • When the business is planning to get an SBA-backed loan and needs cash that will not count as a regular balance needing to be paid off.
  • ​When the business is in a reverse MCA consolidation and has agreed (with serious potential consequences) to not take any more cash advance funding.
  • ​When the business needs a cash infusion paid back with monthly payments that will also provide an ongoing tax deduction.
  • ​When the owner of a business needs cash (that will not count as a balance or position) to pay down credit card balances so they can improve their personal credit score for the purpose of obtaining an SBA loan or other traditional financing.
  • ​Refinance and/or consolidate other high-cost debt (i.e., Kabbage/OnDeck/BlueVine/Fundbox, term loan, lines of credit, cash advances, any other high-cost factored loan products)

Qualifications

Here's How to Qualify, BUT The Key To Max Production Is:
Don't Underwrite In The Field. Only Ask Knockout Questions.
It Is A "Smart Numbers Game".

Only Ask These First 4 Knockout Questions:

Basic criteria are:

  • 5 or more years in business
  • No Home-based businesses: MUST be a brick & mortar business, MUST NOT be residential, mailbox, PO Box, UPS address, or be shared office based, like Regus, or other executive suite arrangements.
  • Must do at least $200,000 in annual revenues (top line sales)
  • ​Guarantor MUST have 680 or higher personal FICO score (homeowner preferred)
  • ​No leasing or bank loan history necessary – although having it does help
  • ​Must have PayDex score of 70 or higher, OR meet all other UW criteria, along with high owner FICOs
  • ​Must be an approved industry. 
  • ​Must be an operating entity, not a holding company.
  • ​Must be fully open for business (not partial or seasonal).
  • Must not have any business bankruptcies or open judgments.
  • ​Must not have any charge-offs or excessive late payments (60 days plus late).
  • ​*If first 4 check marks are good, please submit the file*

Additional Benefits of this Funding:

MONTHLY PAYMENT SCHEDULE
This Working Capital (WC) Financing Program will always be paid back using monthly payments. There are never weekly/daily payments. Having affordable monthly payments is ultimately less stressful on cash flow than daily or even weekly payments. We want to decrease the client stress level.  Lastly, clients with 5-year, monthly payments are happier, and offer many repeat business opportunities for the referring partner.
*ANNUAL COSTS ARE FAR LESS THAN AN MCA*
We're not tax advisors and never give tax advice.  In common practice, the payments made in this WC Program are treated as tax deductible by the accounting community. Therefore, after-tax cost of funds will be far less than a merchant cash advance (MCA).  The average annual after-tax deduction cost of funds will be between approximately 15% - 22% per year (in simple interest) times 5 years. That annual cost will decrease as corporate income tax costs rise. We always advise the client check with their tax advisor regarding their specific situation.
5-YEAR TERM
This WC Program is paid back over 5-years. The main idea here is to get the business the lowest monthly payment possible. That way a business can keep its cash for more important things like potentially refinancing higher cost debt, pursuing expansion, marketing, new equipment, payroll, etc. There will also be an ongoing tax deduction.  From the referring partner's perspective: Clients with 5-year, monthly payments are happier, and offer many repeat business opportunities for the referring partner.  Build a long-term client book with this product, and not just a bunch of one-and-done transactions.
EXISTING DEBT BALANCES DO NOT NEED TO BE PAID OFF
Unlike other financing programs on The Street, this WC program does not require that existing MCA or other loans be paid off.  This is a big competitive advantage of this WC credit facility.



 * WILL NOT INTERFERE WITH ANOTHER FUNDING *
This WC program does not create blanket UCC liens for your client's business.  No bank or MCA provider can, or will, require that these balances be paid off in order to qualify for their new cash funding.  This WC financing will not count as a position for new MCA or other financing that you want to build out in their debt/capital stack.
WILL STRENGTHEN THE BUSINESS'S CREDIT
Client payments are reported to 3 credit bureaus (Experian, Equifax-PayNet and Dun & Bradstreet, so timely payments will enhance the business's credit profile.

NON-PERSONAL GUARANTEE OPTIONS
If a business has good credit with over 3 years of positive PayDex history, and past leases on any type of equipment or vehicles, it may not require a personal guarantee to get this WC financing.
NO UPFRONT COSTS OR ORIGINATION FEES
This WC Financing Program has no upfront costs to apply. There are no origination fees either.  We close approved applicants in 7–9 business days. We believe in total transparency.
NO RESTRICTIONS ON THE USE OF FUNDS
When your client's business gets this WC Financing, there are no restrictions on the use of funds. They will have between $25,000 and $200,000 to use for any lawful purpose they choose with no oversight from our team.  Clients love being able to make their own decisions about their own business.

To submit a Working Capital deal, please only submit this Deal Sheet.
 
We will look at Deal Sheets quickly & if it meets preliminary UW criteria, we will ask you to submit the items listed below to move to an approval .

  • Click HERE to download our 1-page fillable application.  Please don't forget to have the owner sign the application.
  • ​Please submit the business's three (3) most recent business bank statements (one pdf per statement).
  • ​Please provide a clear, legible copy of the front and back of the owner's valid driver's license. 

Please email all 3 items to us at: partnerprogram@valuecapitalfunding.com

CLICK ONE OF THE BUTTONS BELOW THAT APPLIES TO YOU AND SCHEDULE A BRIEF CALL.

APPROVABLE 
INDUSTRIES 

  • Consulting Firms
  • Medical Billing
  • ​Staffing
  • ​Marketing/Advertising
    • Publishing
    • ​Technology Services/IT/Software
    • ​Architects
    • ​Engineering
    • Printing
    • ​Hotels
    • ​Motels
    • ​Gyms

    CONTRACTORS (INCLUDING ONLY THE FOLLOWING TYPES - NEVER HOME BASED):

    • Commercial Construction General Contractors
      • Plumbing Companies 
      • ​Residential Construction General Contractors
      • Electricians
      • ​AC & Heating (HVAC)

      PROFESSIONALS:

      • Accounting (CPA's & Tax Preparation Services)
      • ​Collection Agencies
      • ​Insurance Agencies
      • ​Architects
        • Financial Planners/Investment Advisors
        • ​Real Estate Companies
        • ​Mortgage Companies
        • ​All licensed professionals not working with a home base or mailbox or shared office for a business address

        HEALTHCARE INCLUDING THE FOLLOWING:

        • All Physician Types/All Doctor’s Offices
        • ​Chiropractors
        • ​Dentists
        • ​Home Health Services
        • ​Mental Health Services
        • ​Veterinarians
          • Pharmacies
          • ​Physical Therapists
          • ​Residential Care Facilities (can also be the residence of the owner if other UW criteria is met)
          • Substance Abuse Services
          • Medical Diagnostic Centers
          • ​MRI Facilities
          • Dialysis Facilities
          • ​Acupuncture

          ALSO:

          • Auto Parts Stores
          • Auto Body (5 plus bays minimum)
          • ​Auto Repair (5 plus bays minimum)
          • ​Towing Companies
          • ​Funeral Homes
          • ​Security Services
          • ​Cannabis (Medical) w/Retail Location
          • ​Restaurants/Bars
            • ​Manufacturing
            • Grocery Stores (must do over 1 million per year in gross receipts/bank deposits)
            • ​E-Commerce Businesses with a commercial physical location (brick & mortar)
            • ​Bail Bonds
            • ​Salons
            • ​Retail
            • ​Vending Companies
            • ​​Wholesalers
            • ​Most Retail Brick and Mortar Franchises (Subway, Dominos, Ace Hardware, etc.)
            • ​Trucking (must have over 5 Units listed with DOT online and be non-home based)
            • ​Logistics (doing over $500K per year in gross receipts/bank deposits)

            RESTRICTED INDUSTRIES LIST:

            (Please do not submit these industries at this time)

            • Seasonal Businesses
            • Landscaping
            • Nurseries
            • ​Food Truck
            • ​Pet Groomer
            • ​Gas Stations w/Convenience Stores
              • Drywall Companies
              • ​Tailors
              • ​Roofers
              • ​Painters
              • ​​Used/New Auto Sales/Car Dealerships
              • Siding
              • ​Concrete
              • ​Paving
              • Handyman
              • ​Porn Related
              • ​Attorneys

              CLICK ONE OF THE BUTTONS BELOW THAT APPLIES TO YOU AND SCHEDULE A BRIEF CALL

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