Small Business Financing
- Crestmont Capital
- Small Business Lending
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Why Choose Crestmont Capital?
At Crestmont Capital, we recognize that every business owner is unique. That’s why we evaluate each situation individually, ensuring our clients receive financing tailored to their specific needs. This personalized approach allows us to approve more business owners than our competitors.
We offer funding programs for businesses with less-than-perfect credit, startups, and those that perform well but lack the financial statements to prove it. With flexible financing terms, we provide options that align with your goals.
Our common-sense approach enables us to approve a high percentage of applications and provide significantly more capital to our clients. The application process takes only minutes, and approvals are typically issued within 24 hours. At Crestmont Capital, we make business financing simple, fast, and accessible.
Small business funding provides your business with the cash it needs to expand, increase or replace inventory, advertise, consolidate debt, or even pay taxes. We do not offer “one-size-fits-all” lending. We work with you to make sure you understand all your options and help you to choose a loan that makes sense for your business.
SBA loans are the cream of the crop of small business loans. The Small Business Administration partially guarantees SBA loans, and because of this, lenders are willing to lend to small businesses more often and with better terms. SBA loans come with exceptionally ideal terms, but they will be the hardest type of business loan for which to qualify.
Business term loans offer a straightforward, affordable funding solution for small businesses. A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The set repayment term length will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-time investment for their small business. Like an SBA loan, the terms of a traditional term business loan are ideal, but the requirements are somewhat stringent.
Businesses face emergency expenses and impromptu investment opportunities. Sometimes, they may not have the necessary funds available. That’s where a business line of credit comes in to play. Our Small Business Line of Credit Process makes this desire a reality.
With a business line of credit, you get access to a pool of funds which you can draw from whenever you need capital. Unlike a traditional business loan, you have the flexibility to borrow up to a specific, set amount. Then you repay only the amount you withdrew, with interest. Business lines of credit are conveniently available whenever needed, so you can use it to handle gaps in cash flow, get more working capital, or address almost any other emergency or opportunity.
Unsecured working capital is a vital resource for businesses to cover daily expenses and maintain smooth operations, even during lapses in cash flow. This flexible financing option ensures your business keeps moving forward without interruptions.
At Crestmont Capital, our working capital programs are designed to provide the funds your business needs, with terms tailored to support your success. We offer loans of up to $500,000 with minimal documentation, and funding can be completed in as little as 24 hours.
Whether you need a working capital loan or a line of credit, we make the process simple and efficient. Once you apply, we handle the rest—letting you focus on what matters most: running and growing your business.
Sometimes, businesses need fast cash. Often, going through the process of procuring a traditional loan will take too long, and the requirements are stringent. In these cases, merchant cash advances (MCA’s) can come in handy.
An MCA isn’t technically a loan; it’s an advance. With this option, we will advance your business’s future credit and debit card revenues that you will repay in a predetermined daily percentage of your business’s credit and debit card revenues. In a nutshell, you will receive an upfront sum of cash in exchange for a percentage of your future sales. Plus, they’re some of the easiest and quickest loans to acquire! Crestmont Capital offers a variety of flexible MCA options for your small business cash needs.
We provide revenue-based financing, one of our most popular products, offering businesses upfront capital in exchange for a predetermined portion of their future revenue. This option is highly sought after due to its rapid funding process and flexible underwriting guidelines, making it an excellent solution for businesses needing quick access to capital.
