Business Loans/Advantages


Four Unique Funding Options for Your Business

 


The Vallexa Capital Network of funding partners can help you capitalize on the strength of your business, with four different financial products that reflect the cash flow and overall financial strength of your business.

 

Business Term Loan

A business term loan with a set maturity date and a potentially low fixed cost of repayment. Daily (Monday-Friday) or weekly payments are based on your business’ financial strength and revenue.

  • Amount:
  • $5,000 to $250,000
  • Term:
  • 4 to 24 months
  • Repayment:
  • Automatically repay the same amount daily (Monday-Friday) or weekly. No payments on weekends or holidays.

See an Example of a Business Term Loan

  • Smith’s Construction Example*

    Ted has secured several new lucrative contracts. He needs funding to purchase raw materials to complete the projects.

    • Applied online on Wednesday
    • Approved the same day
    • Funded the following Monday
  • Loan for Smith’s Construction
    • Amount:
    • $100,000
    • Term:
    • 18 Months
    • Weekday Payment:
    • $333
    • Total Repayment:
    • $130,000
    • Est. Revenue Increase:
    • $300,000

    They can now complete 10 new contracts at an average of $30,000 per project.

 

Revenue-Based FinancingYour business receives an immediate infusion of capital in exchange for portion of future business revenue
at a fixed cost. Designed primarily for business that invoice their customers, and the best product for seasonal businesses.

  • Amount:
  • $5,000 to $250,000
  • Term:
  • 4 to 18 months
  • Repayment:
  • A fixed amount automatically repaid Monday-Friday. May be adjusted every two weeks based on fluctuations in revenue.

See an Example of Revenue-Based Financing

  • Harris Landscaping Example*

    Joe’s landscaping business is ready for a busy spring season. He needs to upgrade his equipment and hire an additional worker.

    • Applied via phone on Thursday
    • Approved on Friday
    • Funded the following Tuesday
  • Financing for Harris Landscaping
    • Amount:
    • $30,000
    • Term:
    • 10 Months
    • Weekday Payment:
    • $202.50
    • Total Repayment:
    • $40,500
    • Est. Revenue Increase:
    • $90,000/year

    The new equipment and additional employee lead to 25% more job capacity

Merchant Cash AdvanceYour business receives cash in exchange for a portion of future credit/debit card sales at a fixed cost. Business cash advances are designed for businesses that have significant credit/debit card sales.

  • Amount:
  • $5,000 to $100,000
  • Term:
  • No set term;
    Avg. 6-8 months
  • Repayment:
  • A negotiated percentage (typically 8-10%) is automatically repaid from your daily credit/debit card sales Monday-Friday.

See an Example of a Merchant Cash Advance

  • Sally’s Friendly Cafe Example*

    Sally is looking to expand by adding a new outdoor patio. To be ready by spring construction needs to happen fast.

    • Applied online on Monday
    • Approved on Tuesday
    • Funded on Friday
  • Advance for Sally’s Friendly Cafe
    • Amount:
    • $25,000
    • Term:
    • No set term:
      Est. 6-7 Months
    • Weekday Payment:
    • $225.00
    • Total Repayment:
    • $33,500
    • Est. Revenue Increase:
    • $135,000/year

    The Cafe’s capacity increases by 50% during the Spring and Summer.

 

Business Line of CreditA line of credit that you can draw against as often as once a day for anything your business needs to grow. Pay for only what you take; no early payment fees.

  • Amount:
  • $2,000 to $100,000
  • Term:
  • 6 months
    per draw
  • Repayment:
  • Monthly payments with fees of 1-13.5% (typically 4-5%) of the loan amount for the first two months and 1% for the remaining four months.

See an Example of a Business Line of Credit

  • Gift Baskets Galore Example*

    Laura needs access to funds periodically for inventory and seasonal increases in demand but she doesn’t want a loan.

    • Applied online at 2:00pm
    • Approved at 2:05pm
    • Funded at 2:12pm
  • Line of Credit for Gift Baskets Galore
    • Amount:
    • $10,000
    • Term:
    • 6 months per draw
    • Monthly Payment:
    • $2,066.67 first two months
      $1,766.67 last four months
    • Total Repayment:
    • $11,200
    • Est. Revenue Increase:
    • $8,000

    Gift basket sales go up 10% during the holiday season and on Mother’s Day.