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SBA Capital Advance™ Program

If you are considering taking out a business cash advance (aka merchant cash advance) from any provider, we encourage you to take your time, shop around and get as much information as you can.

You will notice that our website quotes rates on all programs and we disclose virtually everything up front. Very few companies are willing to do this. What else are they willing to hide?

We do things differently at SBA Capital. We openly explain many of the unfair and deceptive practices that some funding companies engage in. Take some time and read our "Proceed with Caution" page. It can literally save you thousands of dollars and help you avoid many of the pitfalls out there.

You may ask why SBA Capital is so much less expensive than other providers. The reasons are simple:

  • We are privately funded and don't "borrow to lend"
  • We don't accept broker business or allow price markups
  • Our staff is on salary - No pushy sales people
  • We keep our overhead low
  • We are financially stable
  • Our underwriting focuses on long term affordability
  • We don't take on excessive risk

The SBA Capital Advance program is not a loan - it is the discounted sale of your businesses future credit card sales in exchange for a lump sum payment today. If your business does not accept credit cards, visit our Business Loans page for more information on other working capital programs.

SBA Capital Advance™ amounts range from $3,000 to $250,000 and the factor rates typically range from 1.12 to 1.29 depending estimated repayment term (4-18 months) and risk assessment.

Applications submitted to our website go immediately to underwriting. Approvals written in plain English with multiple options will be presented in 24-48 hours of submission. A customer service representative may contact you to request documentation required for the approval. No pushy salesperson will call you for any reason.

We take privacy very seriously at SBA Capital. Any information submitted to us will never be sold to a third party for any reason.

If you prefer to submit and application via fax simply e-mail the request to apps@sbacinc.com or download our application packet in PDF format from our Apply Now page.

Most funding companies only require a "lead sheet" and call it an "application" on their website. SBA Capital requires a real application before we can offer terms. We do not use lead sheets nor do we have high pressure sales people follow up day after day.

Our philosophy is different. We believe in full disclosure up-front and have no reason to pressure anyone into anything. By requiring a full application we can make firm offers and not "estimates" that can change multiple times or even worse...at the last minute.

If you have any questions about our products and programs before applying with us, feel free to contact us by phone or e-mail anytime. We look forward to helping you grow and expand your business!


Toll Free: 1-800-563-4780

E-mail: info@sbacinc.com






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Small Business Advance Capital, Inc
9603 Deereco Rd, Suite 300, Timonium, MD 21093
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