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Asset-based lending is a business loan secured by collateral (assets). The type of financing is secured by inventory, accounts receivable and/or other balance-sheet assets. Also known as “commercial finance” or “asset-based financing”


This would be a great option if:
  You have had trouble obtaining a traditional loan.
  You are interested in an option with fewer covenants.
  You Need immediate and on-going cash flow.
  You have bad credit, not enough credit, or are maxed out on commercial loans from other banks


is a loan for a specific amount that has a specified repayment schedule over time and an interest rate. Term loans typically mature between one and 10 years but in some case last up to 30. Some long term loans may even require some form of collateral including business assets or from your future cash flow.


This would be a great option if:

  You are seeking a repayment term 18 months or longer

  You require a predictable monthly payment vs. weekly or daily remittance

  You are looking for a solution that is suitable for a wide range of business purposes

  You are looking for a form of financing that is going to help improve your credit score


Good to know

  Revenue of business is relatively stable
  Annual gross sales exceed $100,000
  Time in business is at least 9 months


  Set maturity date
  Small daily deduction from your business bank account (Monday-Friday)
  Term loans available 4-24 months


  Non-asset-based (non ABL product)
  Same day pre-approval process
  Funding as fast as 24 hours after approval
  Higher approval rates than traditional banks

Debt Consolidations

If a small business owner cannot qualify for a large, low interest small-business loan, they may be forced to take out multiple high-interest loans and merchant cash advances in smaller amounts. This is known as loan stacking and can severely hinder the cash flow of a business. A consolidation combines these loans or advances into one manageable loan with lower rates and is based on what your business can truly afford. This funding solution will open cash flow and offers many other features that help small-businesses receive additional working capital without loan stacking.


This would be a great option if:

You want to lower your current rate or payment
You would rather open up your own cash flow than borrow more capital
You would like more flexibility in your repayment terms with one daily, weekly, or monthly payment.
You want to work with a team that cares about the future and financial stability of yourself and business.

Equipment Leasing & Financing

Obtaining the use of machinery, vehicles or other equipment on a rental basis. This avoids the need to invest capital in equipment. Ownership rests in the hands of the financial institution or leasing company, while the business has the actual use of it.

  New Technology – Leasing or financing allows you to incorporate better and newer equipment than you could have without financing, giving your company a competitive advantage.

  Tax Considerations – By leasing or financing equipment, there are numerous deductions that may apply to. In most cases, this financial strategy will significantly help with cash flow and profits. Visit to see what types of benefits and deductions your business may qualify for.

  Risk management – Leasing or financing equipment can reduce some of the risk associated with investing in a capital asset.

  Protect your company’s credit line and maintain cash flow by choosing customized payments to match traditional and seasonal cash flows. This will allow you to save capital for other business needs throughout the year.

  Keep Your Cash- This type of funding source allows you to hold onto your cash, or working capital, allowing you to allocate it to other areas of your business, such as inventory, expansion, marketing or research and development.

About Business Line Of Credit

A business line of credit provides on-demand funding for your company. You will be authorized to borrow up to a certain amount and only pay interest on the amount borrowed. You can then draw and repay funds as you please, without exceeding your credit limit. There are many types of lines of credit ranging from unsecured, meaning that it is not backed by any kind of assets; to secured, backed on a general basis by all assets of the company, or by specific assets that are structured into the funding formula of the line of credit.
Having access to funds will help you better manage cash flow

  You want the security of knowing you will be able to handle unexpected expenses, buying inventory, or fund other short-term business needs.
  You are seeking a solution similar to a credit card cash advance and more flexible than a traditional small-business loan.
  You cannot or do not want to provide collateral.

About Invoice Factoring

Invoice factoring is the sale of your accounts receivable to a buyer (or factor), that lets your company access cash beyond its own equity based on the strength of your customer’s credit. Many companies need additional cash flow to support seasonal demands, growth, and more.Invoice factoring provides your business with flexible and immediate cash to support business growth, restructure, take advantage of supplier discounts, or even to fund payroll.

  You are not able to get capital from other sources, such as traditional banks, due to a lack of collateral for a loan, poor personal credit, or a limited operating history.

  You need funds to pay operational expenses (such as payroll, rent, suppliers) and can’t wait until you get paid by your customers

  Your accounts receivables come in over a longer period of time versus your accounts payable.

  Your customers have good commercial credit and the amount of credit that they qualify for is more than the amount of their invoice.


Small business lending has been on the decline in the United States since 2007. Community Banks that once served this vital niche have been consolidated by big banks that no longer focus on the nuts and bolts of lending to small businesses. We understand that business owners across the country simply needed a better way to fund their business. Merchant lending Consultants was created to support growing businesses by providing credit when they need it and solutions that work-without the hassle. Our relationship will grow as your business grows. Together we can achieve great things and we hope you will give us the opportunity to earn your business.




872 Jericho Turnpike
Saint James, NY 11780