Unlock Capital with the Assets You Already Own

Asset-based lending lets you turn business assets into working capital—without relying solely on real estate. Whether you’re holding unpaid invoices, inventory, or equipment, you can leverage what you have to secure term loans or lines of credit.

Lenders prioritize liquid assets like receivables and inventory, but illiquid assets like land and equipment can still strengthen your borrowing base when paired strategically.

 Types of Collateral You Can Use:

• Accounts Receivable / Invoices Turn unpaid invoices into immediate cash flow—perfect for late-paying clients.
• Inventory Use unsold inventory as collateral. Even at wholesale value, it can unlock significant leverage.
• Purchase Orders Convert future sales into upfront capital to cover materials and seize growth opportunities.
• Equipment Secure funding with machinery or tools. The more resellable the asset, the stronger the collateral.
• Real Estate Ideal as secondary collateral—especially when paired with receivables or inventory to boost approval odds.

✅ Qualification Snapshot

• $500,000 in Current Receivables
• Assets or Collateral
• 3 Months Bank Statements
• No Tax Returns Required
• One Page – One Minute via DocuSign
• No Minimum FICO – Soft Credit Pull

💰 Funding Details

• Funding Amount: Up to $100MM
• Repayment Term: Up to 25 years
• Time to Fund: 1 to 7 days

How It Works

1. Apply Securely Within Minutes: Complete our streamlined application and upload your documents—no risk, no hassle.
2. Get Matched with the Right Lender: We’ll help you identify which assets qualify and maximize your borrowing potential.
3. Receive Funding Fast: Most approvals happen within days—so you can get back to growing your business.

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The effects of the pandemic are starting to subside. Consumer confidence is rising. New opportunities are on the horizon. If your business is growing fast but your bank can’t keep up with your funding needs, we’ve got the solution. Our Bridge Loan product provides short-term financing so you can move forward with your growth plans while working with your bank to secure traditional funding—like an SBA loan.

You can access up to $1,000,000 with repayment terms of up to 36 months.

💡 What Is a Bridge Loan?

A Bridge Loan is a short-term amortizing loan designed to help small businesses seize high-return opportunities without draining their cash flow. Whether you're launching a new location, investing in equipment, or scaling operations, this loan helps you act fast while waiting on longer-term funding.

Bridge Loans are ideal for:

• Businesses in early growth phases
• Entrepreneurs facing cash flow pressure
• Owners ready to invest in high-impact projects

✅ Minimum Qualifications

• Industry Type: We lend to more than just restaurants—our approved industries have expanded significantly.
• Credit Score: You can qualify with an Equifax score as low as 551.
• Time in Business: Your business must be open and operating under the same ownership for at least 30 days.
• Annual Sales: Minimum of $17,000 per month in sales (or $200,000 annually) from credit card and cash transactions.

 Loan Details

• Funding Amount: Up to $1,000,000
• Repayment Term: Up to 36 months
• Use of Funds: Working capital, expansion, equipment, payroll, and more

 Ready to Bridge the Gap?

Apply now and take control of your growth—without waiting on traditional lenders.

Apply for Bridge Financing

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No real estate collateral required. Just fast, flexible funding tailored to your business needs.

Whether you're scaling operations, hiring staff, or investing in inventory, this funding option moves at your speed—with approvals as fast as 1 business day.

✅ Minimum Qualification Requirements

• Time in Business: 4+ months
• Monthly Sales: $15,000+
• Minimum FICO Score: 550+
• Business Location: USA or Canada

If you're doing less than $15,000 in monthly sales, you may still qualify for instant micro funding.

 How It Works

Step 1: Complete the Application We just need a few basic business details, plus:

• 3 months of recent bank statements
• A voided check
• A driver’s license

Step 2: Get a Decision Your dedicated funding specialist will help you explore options and select the best solution for your goals.

Step 3: Receive Your Funds Once approved, access your funds and keep growing—without delay.

Apply for Fast Business Funding

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Business Line of Credit — Flexible Funding When You Need It Most

When the banks say no, we say yes. Our Interest-Only Revolving Line of Credit gives small business owners fast access to working capital with flexible repayment and zero penalties. Draw funds as needed, repay weekly, and reuse your credit line as you pay it down—just like a business credit card, but smarter.

Key Features

• Credit limits from $5,000 to $100,000
• Decisions in 1 business day—as fast as 1 hour
• Soft credit pull only
• Interest-only payments on drawn funds
• Automatic weekly repayment (monthly available for preferred clients)
• Zero prepayment penalties and big savings for early payoff
• Revolving access—funds become available again as you repay

Minimum Qualifications

• 2+ years in business
• 680+ personal FICO score
• $20,000+ monthly revenue
• Located anywhere in the U.S.

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Fast Capital Business Financing — Quick Access to Working Capital Without the Hassle Get expedited, automated small business financing with dedicated live support. Our streamlined application process allows eligible borrowers to compare multiple funding options and receive same-day approvals—without the red tape.

Whether you need funds to buy equipment, restock inventory, consolidate debt, or boost working capital, our Fast Capital program delivers flexible solutions—even for businesses turned down by other lenders.

Program Highlights

• Funding amounts from $1,000 to $500,000+
• Same-day funding available
• No collateral required
• Low documentation and streamlined underwriting
• Flexible credit minimums
• Competitive rates
• Available to most industries nationwide
• Only 3+ months in business required
• Low revenue thresholds accepted

Use Fast Capital For:

• Equipment or inventory purchases
• Unrestricted working capital
• Debt or MCA consolidation
• Expansion or emergency expenses

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What Are Working Capital Loans? Working capital refers to the money needed to cover everyday operating expenses in your business—like payroll, rent, utilities, and inventory. These are the essential costs that keep your business running smoothly.

A working capital loan provides fast access to cash so you can cover these ongoing expenses without disrupting operations. These loans come in many forms, including:

• Short-term working capital loans
• Merchant cash advances on credit card sales
• Invoice factoring agreements (on unpaid invoices)
• SBA loans
• Business lines of credit

Working capital loans are also known as business capital loans, operating capital, or cash flow loans.

Why Choose a Working Capital Loan?

• Cover payroll, rent, and day-to-day expenses
• Bridge seasonal cash flow gaps
• Avoid disruptions during growth or slow periods
• Access flexible funding without collateral

Fast & Flexible Application Process

• Simple 15-second online application
• No fees to apply
• Instant matching with top offers
• Same-day funding available

What You Need to Qualify

• 3+ months in business
• $10,000+ in monthly gross sales ($120,000 annually)
• No minimum FICO score required

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Franchise financing helps franchisees secure the capital needed to launch, operate, or expand a franchise business. Whether you're covering start-up costs, franchise fees, equipment, inventory, or working capital, we’ve got flexible options to support your growth.

 Why Choose Our Franchise Financing?

• Simple Application Our 15-second online application matches you with offers in minutes.
• No Minimum FICO Bad credit? No problem. Most of our top financing options have no minimum credit score requirement.
• Larger Funding Amounts Get matched with the best offers—featuring higher funding limits and flexible terms.
• Express Funding Our fintech speed can reduce your loan process to as little as 2 days.

✅ What You Need to Qualify

• Business Stage: From first-time franchisees to multi-unit operators
• Company Type: Start-up franchises, pre-revenue, and established businesses are all welcome
• Credit Profile: No minimum FICO required—options available for all credit scores

 Ready to Launch or Expand?

Apply now and get matched with franchise-friendly funding designed to help you grow.

Apply for Franchise Financing

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Pay only the interest for up to 1 year—without sacrificing your cash flow. This is our most aggressive interest-only product in the marketplace, now upgraded with even more flexibility. You can access loan amounts from $50,000 to $750,000, make low interest-only payments for up to 52 weeks, and enjoy a built-in line of credit with unlimited draws.

After the interest-only period, you can pay off the principal—or activate our safety net rollover amortization for up to 2 years. Borrow with confidence and keep your business momentum strong.

✅ Key Features & Benefits

• Minimum Initial Loan: $50,000 (down from $150,000)
• Interest-Only Period: Up to 1 year (52 weeks)
• Line of Credit Access: Available throughout the interest-only period (26, 40, or 52 weeks)
• Unlimited Draws: $25,000+ per draw, up to your max approval
• Flexible Draws: Take your initial loan in multiple draws across consecutive business days
• Early Payoff Option: Built-in finance charges apply during interest-only period

Use Funds Where It Matters Most

• Complete high-ROI projects
• Preserve cash flow with low payments
• Expand operations without financial strain

 Loan Details

• Loan Amounts:
  Up to $500,000 for single-entity owners
  Up to $750,000 for multi-entity owners
• Rates: Starting at 15% for well-qualified borrowers
• Rollover Amortization: 18 to 24 months after interest-only period
• Funding Speed: Approval to funding in as little as 3 business days

🛡️ The Perfect Safety Net

When the interest-only period ends, you choose:

• Pay off the principal
• Or activate the built-in rollover amortization for up to 2 years

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Interest-Only Revolving Line of Credit (IO-Bankroll) Power your business growth with flexible, interest-only payments and fast access to capital. Whether you're expanding, hiring, upgrading equipment, or investing in new technology, IO-Bankroll gives you the freedom to act without draining your cash flow.

With approvals in 24 to 48 hours and loan amounts up to $1 million, this revolving line of credit is unmatched in speed and flexibility.

IO-Bankroll Advantages

• Approvals from $200,000 to $1 million in 24 to 48 hours
• Minimum initial draw of 25% of the approved line
• Pay only interest on your outstanding balance for up to 1 year
• Fixed repayment terms up to 3 years
• Revolving period of up to 11 months (48 weeks)
• Unlimited draws of $10,000 or more during the revolving period
• Unlimited principal paydowns of $10,000 or more
• Every payment and paydown frees up more line availability

Minimum Qualifications

• Time in Business: Minimum of 4 years under the same ownership
• Sales Volume: $1,500,000 annually ($125,000 monthly)
• Credit Score: Equifax score of 651 or higher
• Home Ownership: Must own your home in your name; mortgage must be current
• Bank Balances: Maintain an average daily balance of $10,000

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The #1 Lender for Restaurateurs Thousands of restaurant owners have turned to us when traditional banks couldn’t deliver. Whether you're expanding, upgrading, or navigating seasonal cash flow, our restaurant-specific loan products are designed to meet your unique needs—with flexible terms and fast approvals.

Why Restaurateurs Choose Us

• Industry-specific expertise and personalized financial guidance
• Loan products tailored to your business model and growth goals
• Local consultants who understand your market and community
• Affordable, fixed payments that protect your cash flow

Use Restaurant Financing To:

• Expand or renovate your kitchen or dining room
• Add a bar or outdoor patio
• Open a second location
• Launch catering or take-out services
• Purchase new kitchen equipment
• Upgrade your POS system or invest in new tech
• Buy out a business partner or investor
• Supplement cash flow during slow seasons

Overcome Any Financial Hurdle Every successful restaurant starts with a bold vision—and often needs capital to bring that vision to life. Whether you're replacing equipment, hiring staff, or remodeling, we offer:

• Customized financial solutions for your business stage
• One-on-one support from application to funding
• Online approvals and funding in as little as 3 days
• Fixed repayment terms from 12 to 36 months
• Optional line of credit with 24-hour access to 5 loan drafts over 6 months
• Early payoff options available

Apply for Restaurant Financing

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Looking for fast, flexible small business funding without the hassle of traditional bank loans? Our revenue-based loan solution is designed to help entrepreneurs, home-based businesses, and brick-and-mortar owners access working capital based on monthly revenue—not credit scores.

Key Benefits

• Fast Business Loan Approvals: Get approved in hours, with funding as soon as the same business day
• Flexible Use of Funds: Cover payroll, inventory, marketing, equipment, or expansion—no restrictions
• Credit-Friendly Business Financing: Soft credit pull only—your score is protected
• Cash Flow-Based Repayment: Daily or weekly payments tailored to your revenue cycle

Minimum Requirements

• Time in Business: 4+ months
• Monthly Revenue: $15,000 or more
• FICO Score: 550+
• Location: U.S. or Canada
• Documents Needed:
  3 most recent business bank statements
  Voided check
  Government-issued ID

Apply Now

SBA Loans — Government-Backed Funding to Start or Grow Your Business An SBA Loan is a government-backed financing option designed to help entrepreneurs launch or expand their businesses. These loans are offered through approved lenders and come with favorable terms, thanks to the SBA’s guarantee that reduces risk for the lender.

To qualify, businesses must meet certain eligibility requirements, including size standards, proof of repayment ability, and a solid business purpose.

Why Choose an SBA Loan?

• Ideal for startups and growing businesses
• Backed by the U.S. Small Business Administration
• Lower interest rates and longer repayment terms
• Flexible use of funds for expansion, equipment, payroll, or refinancing

Fast & Simple Application Process

• 15-second online application
• Get matched with top SBA loan offers in minutes
• No fees to apply

Loan Highlights

• Terms available up to 25 years
• Access to larger funding amounts
• Quick SBA approval in as little as 48–72 hours

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Same Day Funding for Smaller Businesses and Gig Workers Fast, flexible funding designed for freelancers, gig workers, and small business owners who need cash flow support without the wait.

How It Works Applying and receiving your funds is fast, simple, and fee-free.

1. Apply Complete our streamlined application and securely verify your bank account in minutes.
2. Approved Receive instant approval and review your terms in seconds.
3. Funded Access funding from $300 to $20,000—same day.

Simple Requirements

• $3,000+ in monthly bank revenue
• 3+ months in business

Simple Process

• Answer a few questions
• Link your bank account
• Review approval terms
• Accept your funding offer
• Receive your funds

Easier Qualifications

• Transparent terms
• No collateral required

Build a Funding Relationship

• Your payment history earns you access to more
• Reapply for future funding
• Add-on funds available

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What is a small business loan?

A small business loan is any funding option specifically designed for a small business. Small business loans allow existing or newly established companies to borrow money from lenders. Loan types exist to help entrepreneurs meet different goals. The way each loan works depends on the type of loan.

SIMPLE APPLICATION

> Our simple 15-second online application can get you matched with offers in minutes

660+ FICO

> Bad credit? No problem! Most of our top financing options have a minimum of just 660 FICO.

LARGER AMOUNTS

> Get matched with the best financing options with the highest funding amounts.

SAME DAY FUNDING

> Our fintech speed can get you in and out of Underwriting in just a few hours - and same day funding!

What Do You Need To Qualify?

3+ Months in Business

> You can qualify for our top financing options with as little as 3+ months in business.

$10,000+ Monthly Gross Sales

> The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

660 FICO Score

> We have financing options for all credit profiles. The minimum FICO score required to apply is 660.

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Fuel Your Business Growth Without Giving Up Control

Semaj Financial Services now offers Subordinated Debt Financing—a powerful funding solution for established businesses ready to scale. Whether you're running a retail store, auto repair shop, construction firm, manufacturing plant, or wholesale distribution business, this product is designed to unlock serious capital without sacrificing equity or assets.

 Key Benefits:

Up to $10 Million in funding

1–2 year terms with flexible repayment

Rates starting at 15%

No collateral, equity, warrants, or covenants

Subordinate 2nd lien behind your senior lender

Approval based on cash flow, not credit alone

✅ Qualifications:

1+ year in business

600+ FICO score

$1M+ in annual revenue

Business bank account

🏭 Industries We Serve:

Retail & Auto Repair

Construction & Manufacturing

Wholesale Distribution

Transportation & eCommerce

Food & Beverage

This is ideal for businesses seeking growth capital, expansion funding, or working capital without the restrictions of traditional loans. 

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