Our Flagship Alternative Financing Services


Feb. 29, 2024

Our Flagship Alternative Financing Services

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In the an ever-evolving business landscape, Straight Line Source has access to exemplary alternative financing solutions for modern enterprises and entrepreneurs. Our commitment to providing effective financial solutions is evident in each of our specialized programs:

1. Merchant Cash Advances (MCAs)

MCAs stand as our flagship product, designed for businesses seeking immediate financial support. The process, starts from initial contact through either an online application or phone call. Working with us you'll see we're streamlined for efficiency. Clients can submit company bank statements, enabling our funding specialists to find a deal based on factors like Fico score (least important), monthly sales, and current advances. 

Generally Speaking companies can expect approvals approximately equal to their monthly sales minus any current advances*. The application involves a comprehensive discussion with a specialist, followed by matching with over 100 networked lenders & funders for the best deal. 

Our online application is connected to our online platform connecting underwriters directly to the deals we work on. When contracts are signed and a funding call completed, account funding can occur. Our Process ensures rapid submission, quick approval based on qualification, and funding within 48 hours if all the ducks are in a row. Key advantages include: immediate funding, flexibility in usage, a simplified process, and quick approvals if you qualify.

Monthly MCA Programs are available*.

Minimum Qualifications: 

  • 3 to 4 Months Bank Statements
  • Month to Date Statement (Often required for middle of the month fundings)
  • Fico Score of 600+ (not the most important often ignored if sales are consistant)
  • Monthly Gross Sales Of $20K+ Preferred
  • Application
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2. Term Program Facilitation

This program offers 3-10 year lengths with interest rates based on borrower qualifications. Moderately longer than the MCA; the process, taking 2-3 weeks, begins with an application and discussion with a specialist.

Benefits include*: substantial capital, predictable repayments, generally cheaper capital compared to MCAs, and a positive impact on credit history.

Cost-effective solutions designed with your specific minds in need. A commonplace tool for businesses of all sizes that are looking for substantial growth capital. Some in the industry refer to this as “A Paper Funds”. Cost of capital typically runs higher than an SBA program at around 13-15%

Minimum Qualifications: 

  • At least $100k a month in sales
  • 650+ Fico
  • 2 Years Business Tax Returns (Potentially Personal Returns)
  • 6-12 Months of Bank Statements
  • One Year Profit and Loss Statement
  • Optionally: Balance sheet, Cash Flow Statement, and Aging Receivables Report
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3. SBA Program Facilitation

Our SBA Program can assist with various business needs, such as operation costs, equipment costs, expansions, featuring fundings guaranteed by the federal government. 

Included benefits*: competitive rates, longer lengths, and larger amounts, with a variety of program types like the SBA Micro and Disaster Programs.

SBA Programs are government backed, and support a variety of business needs. They tend to offer lower costs of capital ~12%. A long term answer for sustainability.

Minimum Qualifications: (Generally requires substantial documentation)

  • Annual Revenue Greater than $150k
  • Minimum of 2 Years In Business
  • Fico Score of 550+
  • Personal AND Business Tax Returns (1-2 years)
  • Income Statements & Balance Sheets
  • Potentially More Documents Depending On Your Business
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4. Ready to Pull Lines of Capital

This service offers businesses the flexibility to draw funds as needed, manage cash flow effectively, and only pay for used funds. It's ideal for handling unexpected expenses or seizing opportunities, with streamlined speedy application processes. 

Ready to Pull lines can transform your business. Immediate access to funds* let you control your cash flow and you have the option to only spend on what you use. Financial management made proactive. These programs have very similar costs of capital and processes compared to a business credit card (but larger). 

Minimum Qualifications:

  • 6 Months Bank Statements
  • Monthly Gross Sales of $20k+
  • One year In Business
  • Strong Fico Score of 650+
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5. Equipment Financing Program

Designed to help businesses acquire essential equipment, this program offers customization according to specific needs. The process, from application to approval, is swift and straightforward, with competitive pricing and seamless matching to the best deal if you qualify.

At Straight Line we understand the uniqueness of each business. Equipment Financing is inheritly designed to provide a tailored solutions for the invoices / equipment provided*. We invite you to explore these opportunities and discover how we can assist in achieving your financial goals.

Keep your competitive advantage with our Equipment Financing Programs. Designed to suit your acquisition needs; this alternative funding solution forges the path to acquiring essential equipment. With this program you could leverage your sales against an invoice and keep the jobs going.

Minimum Qualifications: 

  • 6 Months Bank Statements
  • Equipment Invoice(s)
  • At least two years in business
  • Fico Score of 600+
  • Potentially an Accounts Receivable Report


* if you qualify.

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Please do not hesitate to reach out to us with any questions or concerns regarding your funding needs.

We are committed to supporting you through these challenging times and helping you achieve your business goals.

Disclaimer: The material presented in this publication is distributed solely for educational and general informational purposes. The views and opinions expressed herein may or may not necessarily reflect the official policy or position of Straight Line Source. This content should not be considered as a substitute for professional advice in legal, financial, or accounting matters. We strongly encourage individuals to seek the guidance of qualified professionals for specific advice tailored to their personal circumstances before taking any action based on this content.