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Capital solutions

Many small businesses that get denied loans by their end up in unfavorable contracts with questionable online funders. Imperial Payments has an established network of trusted partners that provide you with the best financing options for your business. Our lending partners offer a stress-free, transparent lending process and gets you access to the right capital—up to $75,000,000—in four easy steps

 

  • Apply online

  • Verify identity

  • Financial review

  • Receive offers

 

 

Working hand-in-hand with our lending partners, we believe in

 

  • Simple underwriting. Every business faces challenges, and we are sensitive to the circumstances that may result in blemished credit, irregular sales or past due taxes or bills. Even so, we look at the entirety of the business and are often able to provide capital to businesses rejected by other lenders and provide better rates by realizing your business’s strength beneath the surface.

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  • Honest options. Whether you need traditional funding or a cash advance on your merchant receivables, we find innovative ways to help you access the capital you need to help your business thrive and expand. We can help you make the most financially sound decision when looking for additional capital sources.

 

  • Customized solutions. Whether it’s a one-time loan or ongoing capital, we tailor each offer to address the particular needs of our clients. With multiple, flexible and customized solutions, you can evaluate what’s best for your business.

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Find the right business loan to meet your needs!

 

Short Term Loan​s
Short-term financing can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for short-term financing, the required documentation is limited and perfect credit not needed. Nearly every industry can get short-term financing.

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Loan type                             Amount                                 Interest rates as low as        Repayment

Working capital loans          $10,000-$2,000,000              5.49%                                          6-18 months

Merchant cash advance      $10,000-$2,000,000              1.25%                                          6-18 months

Revolving line of credit        $10,000-$2,500,000              6.9%                                            6 months

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Medium Term Loan​s
A medium-term loan is a simple interest business loan with a low rate and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required for a medium-term loan, but a personal guarantee is needed.

You have a great deal of flexibility in how you use a medium-term loan. If you opt for a shorter term, it can be helpful for working capital, new inventory and general cash flow needs. If you take financing for a full term, it can be used for a wide range of growth and expansion purposes.

 

Loan type                                          Amount                              Interest rates as low as            Repayment

Line of credit                                     $10,000-$2,000,000           5.49%                                               6-18 months

SBA loans                                          $30,000-$5,000,000            5.75-8.5%                                         10-25 years

Term loans                                        $10,000-$5,000,000            5.49%                                                6 mos.-10 years

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Invoice Financing
Invoice financing is based on your outstanding invoices or receivables, and the underwriting process is based on your customer, not your business. Minimal documentation is required and there are no pre-payment penalties.

 

Loan type                                          Amount                              Interest rates as low as             Repayment

A/R & Invoice factoring                     $10,000-$2,500,000          6.9%                                                 6 months

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Equipment Financing
You need to add equipment to your business, but you don’t want to tie up your capital. Equipment finance is available with little or no down payment, in both lease and loan options. The approval process is fast approval, the payment schedule is affordable and there are potential tax advantages.

 

Loan type                                          Amount                              Interest rates as low as               Repayment

Equipment loans                               $30,000-$1,000,000           5.49%                                               30 days -72 mos

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Medical Financing
With terms of up to 10 years, medical financing can help your practice acquire new equipment, improve your facilities and take advantage of new business opportunities.

 

Loan type                                          Amount                              Interest rates as low as             Repayment

Healthcare loans                               $5,000-$5,000,000             5.49%                                               4 mos. – 10 years

Dental loans                                       $5,000-$5,000,000             5.49%                                               4 mos. – 10 years

Chiropractic loans                             $5,000-$5,000,000             5.49%                                               4 mos. – 10 years

Veterinarian loans                             $5,000-$5,000,000             5.49%                                               4 mos. – 10 years

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