Unlock Your Business Potential with Tailored Financing Solutions!
Merchant Cash Advance Loan
An MCA loan offers fast funding based on future sales, with flexible repayments tied to your daily revenue. Perfect for quick capital without traditional loan requirements.
Business Lines of Credit
A business line of credit provides flexible access to funds up to a set limit on Credit Cards, allowing you to draw and repay as needed. Ideal for managing cash flow, unexpected expenses, or growth opportunities.
SBA Loans
SBA loans offer affordable, government-backed financing with low rates and long terms, ideal for small businesses seeking growth, equipment, or real estate funding.
Real Estate Investor Funding
Get funding for your next real estate project. Fix and Flip Funding, Single Family/Multi Family and more.
Working Capital
Working capital loans offer flexible funding to cover everyday business expenses like payroll, inventory, and bills. Perfect for maintaining cash flow and ensuring smooth operations during growth or seasonal fluctuations.
Equipment Financing
Equipment financing provides tailored funding to purchase or lease essential business equipment, helping you upgrade tools and technology without straining cash flow
Invoice Factoring
Invoice factoring converts your unpaid invoices into immediate cash, providing businesses with quick working capital to cover expenses, grow operations, and avoid cash flow gaps.
Trusted Partners
At Alpha Business Capital & Finance, we understand that success is built on strong relationships. By partnering with trusted lenders, industry leaders, and financial experts, we ensure our customers have access to the best financing solutions available. Our commitment to integrity, transparency, and collaboration allows us to provide tailored services that meet the unique needs of every business we serve.
We take pride in being more than just a broker—we’re a trusted partner dedicated to helping businesses grow and thrive. Whether it’s securing working capital, funding equipment, or navigating complex financial needs, our network and expertise empower our customers to achieve their goals with confidence. At Alpha Business Capital & Finance, we’re committed to creating lasting value for our customers and partners alike.
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Helping Businesses Take Action...
A quick Pre-Qualification Form that WILL NOT affect your credit score.
Meet Daniel,
Founder / President of Alpha Business Capital & Finance
Daniel is the owner and founder of Alpha Business Capital & Finance, bringing a wealth of experience from his background in the insurance industry.
Over the years, he has helped countless individuals and businesses protect their futures, developing a deep understanding of trust, relationships, and tailored solutions.
Now, Daniel is embarking on an exciting new venture alongside his father. Together, they are building a business dedicated to helping entrepreneurs access the funding they need to grow and succeed. Combining their expertise, they are creating a company rooted in integrity, collaboration, and a commitment to delivering exceptional value to their clients.
For Daniel, this journey is about more than just business—it’s about family, innovation, and making a meaningful impact. Whether navigating the complexities of insurance or simplifying the world of business financing, Daniel is passionate about helping others achieve their goals and build a brighter future.
Meet Jose,
Vice President/Funding Specialist of Alpha Business Capital & Finance
Jose is a seasoned professional with over 20 years of experience in sales and a strong academic foundation, holding a degree in Economics from Rutgers University.
His extensive background in sales has equipped him with exceptional skills in negotiation, relationship-building, and strategic planning, making him a trusted leader in the business world.
Now, Jose is venturing into new opportunities, bringing his wealth of knowledge and expertise to drive growth and innovation. With a passion for helping businesses thrive and a deep understanding of market dynamics, he is committed to delivering results and creating lasting value.
Jose’s journey is a testament to his dedication, resilience, and ability to adapt in an ever-changing business landscape. Whether it’s closing deals, building partnerships, or exploring new ventures, he approaches every challenge with enthusiasm and a focus on success.
FREQUENTLY ASKED QUESTIONS
We've got A's for your Q's
How do you provide value to my business?
As entrepreneurs, we understand the importance of having sufficient working capital to sustain and grow your business. Our mission is to provide the funding you need today to ensure your success tomorrow and beyond. With lower approval requirements compared to traditional bank loans, our programs offer a fast and straightforward way to access the capital you need. Additionally, we go beyond funding by offering complimentary post-funding support, including strategic and financial consulting, to help your business thrive.
What is the application process?
The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.
What are the minimum requirements for getting Funded?
To qualify for our funding programs, your business must meet the following criteria:
- Minimum of three months in operation.
- At least $5,000 in monthly revenue.
- Based in the United States or Canada.
- Minimum FICO Score of 550+
These requirements ensure we can provide fast and accessible funding to help your business grow.
What can I use the money for?
The funds you receive are yours to use as you see fit—because no one knows your business better than you. Many of our clients use their funding to cover payroll, renovate, manage inventory, expand operations, purchase equipment, or handle a variety of other business expenses. While you focus on running and growing your company, we focus on providing the capital you need to make it happen. It’s a partnership built on trust, expertise, and mutual success.
I have Bad Credit and even a Bankruptcy, Can I still get Funded?
One of our most frequently asked questions is whether poor personal credit or a past bankruptcy disqualifies you from funding—and the answer is YES, we can still help!
To qualify, your business must meet 3 simple
criteria:
- Be in operation for at least three months.
- Generate monthly sales of $4,000 or more.
- FICO score of 550+
In over 90% of cases, if you meet these requirements, we can provide the working capital you need to grow your business. Your past credit challenges won’t hold you back here.
Does my location matter?
As Long as you are based in the US or Canada, we can get you Funded.
How Long does Approval Take
Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours, depending on how quickly you provide the required information, as well as the amount of funding being requested.
How long will it take to receive my money?
Usually within 24 hours after a contract is executed and received
Equipment Financing
Equipment financing is a tailored financial solution designed to help businesses acquire the tools, machinery, or technology they need to operate and grow. Whether you’re looking to purchase new equipment, upgrade existing assets, or lease for flexibility, this option allows you to spread the cost over time, preserving your working capital for other critical expenses.
Key Features of Equipment Financing:
- Fast Approval: Get the equipment you need quickly, often with minimal paperwork and streamlined processes.
- Flexible Terms: Choose repayment plans that align with your cash flow and business needs.
- Preserve Cash Flow: Avoid large upfront costs by financing or leasing equipment over time.
- Tax Benefits: Potential tax advantages, such as deductions or depreciation, depending on your location and structure.
Ideal For:
- Businesses in industries like manufacturing, construction, healthcare, or transportation that rely on specialized equipment.
- Companies looking to upgrade technology, machinery, or tools to improve efficiency and productivity.
- Startups or growing businesses that need to invest in equipment without draining their cash reserves.
Merchant Cash Advance (MCA Loans)
A Merchant Cash Advance (MCA) is a flexible financing option designed to provide businesses with quick access to capital based on their future credit card sales or revenue. Unlike traditional loans, an MCA offers a lump sum upfront, which is then repaid through a percentage of your daily or weekly sales. This structure makes it an ideal solution for businesses with fluctuating income, such as retail stores, restaurants, or seasonal businesses.
Key Features of MCA Loans:
- Fast Funding: Receive funds in as little as 24-48 hours, making it perfect for urgent financial needs.
- Flexible Repayments: Payments adjust with your sales volume, so you pay more when business is strong and less during slower periods.
- No Collateral Required: MCAs are unsecured, meaning you don’t need to put up assets as security.
- Minimal Requirements: Easier to qualify for compared to traditional loans, even with less-than-perfect credit.
Ideal For:
- Businesses needing immediate cash flow support.
- Companies with high credit card sales but limited access to traditional financing.
- Entrepreneurs looking for a quick, hassle-free funding solution.
Business Lines of Credit
A Business Line of Credit is a flexible financing solution that provides businesses with access to a predetermined amount of funds, which can be used as needed. Unlike a traditional loan, you only pay interest on the amount you draw, making it an ideal tool for managing cash flow, covering unexpected expenses, or seizing growth opportunities.
Key Features of Business Lines of Credit:
- Flexible Access: Draw funds up to your credit limit whenever you need them, and repay as you go.
- Reusable: Once you repay the borrowed amount, your credit line is replenished, allowing you to use it again.
- Interest-Only Payments: Pay interest only on the amount you use, not the entire credit limit.
- Quick Access to Cash: Perfect for emergencies or opportunities that require immediate funding.
Ideal For:
- Businesses with fluctuating cash flow or seasonal revenue.
- Companies looking for a safety net to cover unexpected expenses or gaps in income.
- Entrepreneurs who want to take advantage of growth opportunities without committing to a lump-sum loan.
Invoice Factoring
Invoice factoring is a financial solution that allows businesses to convert unpaid invoices into immediate cash, providing a quick boost to cash flow. Instead of waiting 30, 60, or 90 days for customers to pay, you can sell your outstanding invoices to a factoring company and receive a significant portion of the invoice value upfront. The factoring company then collects payment directly from your customers.
Key Features of Invoice Factoring:
- Immediate Cash Flow: Access funds quickly, often within 24-48 hours, to cover expenses or invest in growth.
- No Debt Incurred: Factoring is not a loan, so it doesn’t add liability to your balance sheet.
- Flexible Funding: The amount you can access grows with your sales, making it ideal for scaling businesses.
- Outsourced Collections: The factoring company handles invoice collection, saving you time and administrative effort.
Ideal For:
- Businesses with long payment cycles or slow-paying customers.
- Companies experiencing rapid growth and needing working capital to keep up with demand.
- Industries like manufacturing, wholesale, staffing, and transportation, where invoices are a major part of revenue.
Real Estate Investor Funding
Real Estate Investor Funding is a specialized financing solution designed to help real estate investors acquire, renovate, or develop properties. Whether you’re flipping houses, building rental portfolios, or working on commercial projects, this funding provides the capital you need to move quickly and seize opportunities in a competitive market.
Key Features of Real Estate Investor Funding:
- Fast Approval: Secure funding quickly, often within days, to act on time-sensitive deals.
- Flexible Terms: Tailored repayment options to align with your project timeline and cash flow.
- No Personal Income Requirements: Funding is based on the property’s potential, not your personal income or credit score.
- Short-Term Solutions: Ideal for fix-and-flip projects, bridge loans, or ground-up construction.
Ideal For:
- House flippers looking to purchase and renovate properties for resale.
- Rental property investors building or expanding their portfolios.
- Developers working on commercial or residential projects.
- Investors needing quick funding to close deals or cover renovation costs.
SBA Loans
SBA (Small Business Administration) loans are government-backed financing solutions designed to help small businesses access affordable funding with favorable terms. These loans are partially guaranteed by the SBA, reducing risk for lenders and making it easier for businesses to qualify for lower interest rates and longer repayment periods.
Key Features of SBA Loans:
- Low Interest Rates: Competitive rates compared to traditional loans, reducing the cost of borrowing.
- Long Repayment Terms: Extended terms of up to 10-25 years, depending on the loan purpose, to keep payments manageable.
- Higher Loan Amounts: Borrow up to $5 million for various business needs, including working capital, equipment, or real estate.
- Flexible Use: Funds can be used for a wide range of purposes, such as startup costs, expansion, inventory, or debt refinancing.
Ideal For:
- Small businesses looking for affordable, long-term financing.
- Startups or newer businesses that may not qualify for traditional loans.
- Companies purchasing real estate, equipment, or needing working capital.
- Entrepreneurs seeking lower down payments and favorable terms.
Working Capital
Working Capital Loans provide businesses with the funds needed to cover day-to-day operational expenses, such as payroll, inventory, rent, and utilities. These loans are designed to help businesses maintain smooth operations, manage cash flow gaps, and seize growth opportunities without disrupting their financial stability.
Key Features of Working Capital Loans:
- Quick Access to Funds: Receive financing in as little as 24-48 hours to address immediate needs.
- Flexible Use: Funds can be used for any operational expense, from paying suppliers to covering unexpected costs.
- Short-Term Solutions: Ideal for managing seasonal fluctuations or bridging temporary cash flow gaps.
- No Collateral Required: Many working capital loans are unsecured, making them accessible to a wide range of businesses.
Ideal For:
- Businesses experiencing seasonal revenue fluctuations.
- Companies needing to cover payroll or inventory costs during slow periods.
- Entrepreneurs looking to take advantage of growth opportunities without depleting cash reserves.
- Startups or small businesses managing cash flow challenges.
Ready to Get Funded? Apply Now
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