* $25,000 to $500,000+
* 2-10 Yr. Term & Monthly Pay
* Term Loan or Line of Credit option
* 8.9-12.6% APR
BASIC CRITERIA:
* 2 or more years in business
* Must have $250,000 in annual revenues in last two years
* Owner(s) must have 660+ credit score
BENEFITS:
* Monthly Payment Schedule for up to 10 years
* Annual costs far less than MCA
* Existing Debt Balances do not need to be paid off
* Will strengthen the business credit
* Non personal guarantee options available
* No restrictions on the use of funds
* No Collateral Requirements
HOW TO SUBMIT CASE FILES FOR BUSINESS WORKING CAPITAL:
* Our 1-page fillable WC application: Please sign, date, & scan back with the rest of your submission.
* Our Debt Schedule: Please fill out in its entirety. Accuracy is paramount.
* Six (6) most recent business bank statements (separate pdf’s for each month).
* Copy of front and back of client’s valid driver’s license.
* Copy of your Experian credit report from last 30 days.
* A copy of SS4 (Employer ID Number) for the business.
* Articles of Incorporation
* A copy of voided check. The title of this account MUST match the application. No exceptions!
Please submit case file package in one email to: info@royale.capital
Small and medium-sized firms have particular difficulties getting the finance they require to grow. Even when other lenders have turned you down, we provide a choice of funding solutions that can provide you with the funds you need to expand because we are aware of these difficulties. Our working capital loan is a wise loan choice for increasing cash flow, reducing business debt, and acting as a stop-gap measure while you wait for larger funds from conventional lending sources to be approved.
Because it is based on your present liquidity, a working capital loan differs from a conventional loan in this way. We will evaluate your present and anticipated liquidity when deciding on the total amount and repayment terms of a working capital loan for you. Working capital loans can be an excellent way to pay for routine business costs like employee salaries, equipment purchases, and any other short-term urgent costs you might have to address.
There are many instances when a working capital loan might be a good option for your business. Consider applying for a working capital loan if:
Your business cannot get a traditional bank-backed loan right now.
Applying for other funding options like merchant cash advances would stress your cash flow too much.
You need to keep reported loan balances low to increase your chances of getting funding like SBA loans, since working capital loans aren't included in regular loan balances.
The business needs immediate cash flow that can be paid back on a monthly basis.
The business owner needs cash to pay down card balances to obtain more traditional forms of lending.
You are looking to refinance other high-cost loans and debts.
Our working capital loans are designed to support you in your efforts to scale your business with a host of business-friendly benefits.
Your business is unique. So your loan should be, too. We examine your current and projected cashflow in determining how much you qualify for.
Always know when your payment is due and how much is due with our affordable monthly payment plans.
Working capital loans generally carry fewer fees and allow you to purchase items you can write off, optimizing your savings.
Take longer terms to repay your working capital loan and select the repayment terms that work best for your business.
Working capital loans help you appear more creditworthy to traditional lending programs.
Securing a working capital loan isn't always dependent on you paying off the balances of your other current loans.
