The Capital You Need When You Need It
At Bizcapp.com, integrity and transparency are our hallmarks. We refrain from making unrealistic promises, such as guaranteed monthly payment loans or lines after only one month of daily or weekly payments. It is important to remember that if something sounds too good to be true, it is not true. Our specialty lies in aiding clients who have encountered credit or cash flow difficulties by offering ‘opportunity’ funds, designed to gradually eliminate the necessity for daily or weekly payments. Our ultimate objective is to equip businesses with long-term financial solutions, rather than mere temporary fixes.
A Path to Bank Financing
Our robust partnership with trustworthy ‘Funders’ empowers us to help clients improve their personal credit scores and optimize their financials by utilizing ‘opportunity’ funds. These funds are available with advance payment discounts for businesses that reach their goals. This proactive strategy ensures that clients ultimately make a positive and lasting first impression with banks, laying a solid foundation for fruitful financial engagements and sustainable growth.
Our Partnership
By carefully aligning clients with their specific business type, monthly revenue, deposit amounts, and desired credit criteria, Bizcapp optimizes the lending process, obviating the need for multiple submissions or credit inquiries. This is especially beneficial as lenders often view multiple inquiries as a red flag, which can adversely impact one’s credit standing. By reducing the number of inquiries, Bizcapp not only streamlines the process but also bolsters clients’ prospects for securing bank financing.
Secure Your Business
At Bizcapp, our focus is to promote self-sufficiency among business owners, as opposed to fostering a perpetual reliance on MCA funds, which necessitate continuous renewals. We derive immense satisfaction from providing conscientious guidance to clients in need and find it immensely gratifying to know that our services fulfill a pivotal market need for evolving and expanding businesses. Our commitment at Bizcapp is to empower businesses to flourish autonomously, thereby ensuring a resilient and prosperous future.
Working Capital
The most effective use of ‘opportunity’ funds is to identify periods of growth or cash flow dips and temporarily leverage external funds to bridge the gap. Bizcapp’s extensive experience enables us to identify the most suitable funders for your business based on your type, credit, and revenue – thereby minimizing inquiries. However, our real value lies in our widespread industry relationships that enable us to prepare businesses for conventional bank lending. This ensures that not only do businesses get the immediate financial support they need but are preparing themselves for sustainable growth through traditional lending channels in the future.
Alternative Credit Lines
Many entrepreneurs find themselves just below the banking threshold for credit lines, despite having decent personal credit and earnings. This is where BizCapp steps in, by collaborating with Funders that provide access to funds exactly when businesses need them. The payback methods are typically on a weekly basis and are based on the outstanding balance. This type of credit access is particularly ideal for companies with a seasonal component to their business, as it provides the flexibility to access funds during peak times and repay when cash flow is stronger. This ensures that businesses can manage their cash flow efficiently and continue to operate smoothly during all seasons.
Equipment Finance
In this segment, lenders consider the machinery and equipment as collateral, which means clients with less-than-perfect FICO scores or profits can still secure the financing they need for the essential hardware required for growth. This opens avenues for businesses to invest in necessary equipment despite having credit challenges, thereby supporting their expansion and operational needs.