Solutions
Contact us to learn more about a Line of Credit
Call us at 424.335.5640 to speak to a loan specialist today.
We’ve Got You Covered, No Matter Your Financial Needs
We offer working capital based on your business’s future sales projections, with approval for businesses in high-risk industries or those facing financial challenges—no collateral required.
If you’re unsure which solution fits your business, we’ll analyze your financial situation and guide you to the right financing option.
Unsecured Working Capital
MCA Options Available—Even with Low Credit or a New Business
Merchant Cash Advance
An Alternative to Traditional Bank Loans
Applying for a merchant cash advance (MCA) is quick and hassle-free, with minimal paperwork and the potential for same-day funding. Advance amounts range from $2,000 to $2,000,000.
Rates are determined by your overall financial health, credit profile, time in business, average monthly revenue, and industry.
Line of Credit
Fast, Flexible Funding with Instant Access to Capital
A line of credit gives small business owners access to a set amount of funds that can be used as needed and repaid over time or immediately. With fast approvals and revolving access, you can draw funds repeatedly without reapplying.
It’s a great low-rate option for businesses with a 600+ FICO score and at least $20,000 in monthly revenue.
A Flexible Alternative to Traditional Loans
Access More Funds as You Pay Down the Principal
Fair Service
Pricing Tailored to Your Unique Situation
Credit Servicing
Fix Your FICO Score in a Heartbeat
A stronger credit score opens the door to better funding, rental terms, and insurance rates. PMF helps improve your credit by removing negative entries from your history.
In as little as 3 months, you can reduce costs, increase financial flexibility, and unlock new opportunities. Even a 20-point increase in your score can save thousands over the life of a small business loan.
Mortgage Financing
Get Your Mortgage Under Control
Mortgage rates depend on factors like collateral, loan term, loan-to-value ratio, and your credit score. If you own or are purchasing commercial property, the property’s income potential and any existing debt also impact financing.
Properties with both a business and tenants are considered mixed-use and may offer unique financing opportunities.
Put Your Mind at Ease
Free Yourself from Financial Stress and Focus on What Truly Matters
Alternatives Available
If You Don’t Qualify for a Term Loan, We’ll Help You Find a Path to Approval
Term Loan
Specified Monthly Repayment Schedule for Your Business Needs
Term loans offer businesses with strong credit histories the best available rates, ranging from 7.9% to 24.99%. Rates depend on factors like industry, loan purpose, credit rating, and overall financial health.
While the approval process takes longer than other loans, usually 2 to 3 weeks, a term loan offers a structured, reliable repayment schedule for long-term financial planning.
Equipment Financing
Use Your Equipment as Collateral to Secure Funds
Equipment financing allows you to fund up to 100% of the equipment’s value quickly and easily. Use our tax calculator to identify savings, first-year depreciation, and deductions.
Rates are determined by factors such as the equipment’s age, condition, resale value, your credit rating, and your ability to repay the loan.
Capital for Business Equipment
Customized Solutions from PMF to Address Your Specific Needs
Factoring Explained
Sell Your Accounts Receivable to Meet Immediate Cash Flow Needs
Factoring
An Advance Collateralized by Your Business’ Outstanding Invoices
Factoring allows you to get paid immediately for services already rendered, instead of waiting for your customer to pay.
Loan rates depend on the creditworthiness of the invoice holder (your customer) and the time remaining until the invoice is due.
HR/Payroll Services
The Largest Small Business Payroll Management Service Nationwide
Preview required cases instantly before finalizing payroll to avoid costly surprises. Process payroll anytime, anywhere—even on your phone—while reducing expenses and increasing convenience.
Our A.A. rated, secure outsourced payroll, benefits administration, and HR management save you time, allowing your staff to focus on what they do best.
Get a Quote Today
Access Essential Services Like Payroll & Tax Filing, Hiring & HR Management, Workers Compensation, and Health Insurance Benefits
Never Pay Out of Pocket
Only Pay a Small Fraction After Your Credit or Debit Card Sales Are Processed
Credit Card Processing
A Staple for Today’s Businesses
Customers expect smooth transactions with credit and debit cards. Process payments with state-of-the-art terminals, including wireless and online capabilities, all at the best rates available.
With lifetime support and training, your business—whether an entrepreneur or a Fortune 500 company—will experience zero interruptions during new terminal installs.
SBA 7(a) Loan
Flexible, Low-Cost Financing for Small Businesses
SBA 7(a) loans provide small businesses with affordable financing, low interest rates, and long repayment terms. Loan amounts can go up to $5 million, with terms of up to 25 years for real estate and 10 years for equipment.
Eligibility depends on your credit profile, business tenure, and overall financial health.
Backed by the U.S. Small Business Administration
An Attractive Funding Option with No Prepayment Penalties
Increase Your Visibility
Online marketing boosts brand visibility and drives measurable results—helping you attract more customers and grow your business.
SEO
An Online Presence Is Essential in Today’s Marketplace
Even if your business doesn’t directly sell products or services online, potential customers are still using your website as part of their decision-making process.
Search Engine Optimization (SEO) helps ensure that your business is easily discoverable on platforms like Google, Bing, and Yahoo. Effective SEO improves your site’s visibility, placing it in front of the right people at the right time.
Heritage Advance offers innovative web marketing strategies that drive targeted traffic, increase conversion rates, and deliver measurable results.
Bookkeeping Services
Reliable, Stress-Free Financial Oversight
Heritage Advance provides full-service bookkeeping solutions, including monthly financial management and detailed reports like profit and loss statements and balance sheets.
Choose from tiered packages tailored to your financial goals and business needs.
Get a Quote Today
Simplify your business needs with tailored solutions—consulting, taxes, bookkeeping, and more. Request your custom quote now.
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