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Here's more info about getting a small business loan

Getting a Small Business Loan?

Small Business Resources
SBA Loan Programs |

Research the various loan programs offered through the Small Business Administration.

NFIB / National Federation of Independent Business

A great resource that voices the opinion of the small business community and contains alot of good information.

D&B - Business Information

Establish Business Credit and strengthen the fundability of your business.

ACH Loan | Merchant Cash Advance

The ACH program applies to small and mid-sized businesses looking to secure working capital whether or not they accept credit cards. This program also accepts home based businesses and caters to over 200 small business industries covering everything from retail to restaurants and so much more.

Loans range from $10,000 to $1,000,000 per location.

Reddy Marketing has strong relationships with the nation's leading providers of small business ACH loans. Unlike a Merchant Cash Advance which are driven by monthly credit card sales data, an ACH loan is based off of the businesses cash flow and average daily balances in the main business operating account. The rates are significantly lower than a Merchant Cash Advance in most instances and payback is established through a fixed ACH debit agreed upon prior to loan approval and the terms range from 6 months all the way out to 24 months with renewals available once at least 60% of the payback amount has been repaid. These loans are an excellent alternative in comparison to a Merchant Cash Advance and more easier to qualify for than a traditional bank based loan.

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Although we work direct with several ACH loan providers here is a comparison showing our preferred ACH lender's product when compared to a cash advance.

Our preferred ACH lender Merchant Cash Advance

A true business finance loan with a fixed interest rate and term. Interest can be tax deductible. Please consult your accountant for more details.

For a $20,000 business loan, our preferred ACH lender may charge you $21,800 - $24,000 over 6 months for a daily payment ranging from $169 - $186 (typically 50% less expensive than a cash advance).

No need to change credit card processor.

Our preferred ACH lender provides a fixed term loan collected through set daily payments using flexible payment methods.

Our preferred ACH lender reports your payment history to the business credit agencies which can dramatically improve your business credit profile once paid.

Not considered a loan.

For a $20,000 loan, on average for regular applicants cash advances will charge you $27,600 at a rate of 38 cents on the dollar (or even higher) over 6 months* for a daily payment of approximately $214. Rates are more competitive for credit worthy applicants or with repayment track records.

In most cases, merchant must change credit card processor.

Cash advances intercept your credit card receivables at the merchant processor and take a fixed percentage of your daily credit card volume until the advance is paid off.

There are no credit benefits to using a cash advance.

Additional Benefits of taking an ACH loan for your business:

  • No collateral required
  • Minimal documentation.
  • One page application to get approval along most recent 3 months of business bank statements and most recent 3 months of credit card statements(if applicable, not required if not accepting credit cards).
  • Program is based on cash flow, and not on your personal credit score. Reduced rates for good credit. Our lenders accept bad credit as this product is mainly driven off of business cash flow.
  • Provides quick access to capital. Fast funding times. 5-7 business days start to finish.
  • Decisions within 2 business days; funding within 5-7 business days.
  • Flexible loan terms. Choose from 6 month, 12 month, and 24 month programs.
  • Loans range from $10,000 to $1,000,000 per location.
  • Renewals available once repayment history is established and balance is at least 60% paid down.

All you need to do to get started is either give us a call or fill out our 1 page application and upload it along with 3 months of business bank statements and most recent 3 months of credit card statements(if applicable, not required if not accepting credit cards). Once we recieve this our lender will have an answer for you within 24-48 hours with exactly how much your approved for along with the rates and terms being offered. If you choose to move forward at that point funding takes place typically 3-5 business days from then. All in all, start to finish the entire process takes only 5-7 business days.