

Get the capital your business needs to grow!
Advantage Capital Investments can provide the working capital for your business. ACI is a licensed firm that facilitates commercial funding nationwide. Below are General Guidelines for our working capital loan program.
Loan Amount: $25,000 - $150,000
Interest Rates:
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$25,000 = Prime + 4.75%
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$25,100 - $49,900 = Prime + 3.75%
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$50,000 - $150,000 = Prime + 2.75%
Terms: Typically 10 years repayment
Fees: ACI fee of 1% of the loan amount paid by Applicant to ACI
Closing Time: Generally 2-3 weeks
Borrower must meet all standard SBA eligibility requirements
Borrower must have filed at least two (2) full years of business tax returns
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No ownership changes within the last two tax years
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No start-ups or new businesses
Acceptable Uses of Proceeds:
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Working Capital
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Equipment purchases
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Vehicle purchases
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Debt Refinance – majority of refinance requests will be MCA or high interest term debt
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No business or personal credit cards
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No personal debt
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Commercial Real Estate purchases
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Business expansions in certain circumstances
Unacceptable Uses of Proceeds
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Business Acquisitions
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Partner Buyouts
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Construction – Construction is considered any actions which requires a permit – SOME cosmetic improvement may be allowed
Guarantors must meet SBA eligibility requirements
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All 20% or more owners must guarantee
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Must be US Citizens or Legal Permanent Residents
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Must be at least 18 years old
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SBA 912 requirements will be followed
Credit
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Borrower(s) must have an Etran score of at least 165
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All Guarantors must have an Experian FICO score of at least 680
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No active bankruptcies for Borrower(s) or Guarantor(s)
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No historical business bankruptcies ever
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Affiliate bankruptcies will be reviewed on a cases by case basis
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No personal bankruptcies with release dates less than five years
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No current judgments or outstanding tax liens for Borrower(s) or Guarantor(s)
Business DSCR must meet a 1:1
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Subject business is reviewed on its own merit
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Affiliates will be reviewed for repayment impact
Global DSCR must meet a 1:1
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Includes all available cash from Borrower(s) and Guarantor(s)
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Includes all debt for Borrower(s) and Guarantor(s)
If you are Interested in starting the loan process please fill out the form below. You will be contacted shortly.
To Calculate a Working Capital loan payment, use the calculator below. Loan term in months is 120.
Looking to expand your business??
We also do:
100% SBA 7A loans
100% Real Estate purchase loans to $5,000,000 (Owner Occupied)
100% Real Estate construction loans to $5,000,000 (Owner Occupied)
Tenant Improvement loans