Working Capital

Working Capital for Your Business

Working capital is crucial to the success of any business. Small office purchases, hiring staff, preparing for seasonal sales, and growth potential all rely on an available source of working capital. At My Commercial Capital, we provide accessible and flexible sources of working capital for businesses of every type.

Unsecured Lines of Credit

When businesses need a reliable source of working capital, they turn to My Commercial Capital. Our unsecured lines of credit are available to both new and existing businesses, and do not require collateral to access funds. Unsecured business lines of credit from My Commercial Capital feature:

  • Up to $500,000 for existing businesses 
  • Up to $50,000 for new businesses
  • Introductory rates on credit cards as low as 0%
  • Large lines of credit with rates between 1% and 5% over prime
  • No collateral necessary with good credit ratings and financials
  • Fast pre-qualification process
  • Discretionary capital for anything your business needs
  • Guarantees low rates for all approvals
  • No maintenance fees
  • Higher credit limits available for growing businesses

Merchant Cash Advance

Merchant cash advances from My Commercial Capital offer a flexible, debt-free alternative to traditional loans. We will provide an infusion of working capital, and instead of fixed monthly payments, the balance is repaid from a small percentage of credit card sales. Our MCA program provides the capital businesses need combined with the flexibility they demand. Our merchant cash advances include:

  • Financing up to $200,000 per business location
  • No credit checks
  • No debt 
  • No collateral necessary
  • No fixed payments, equity loss, closing fees, or balloon payments
  • Flexible repayment terms
  • Minimal paperwork

SBA Loans

My Commercial Capital offers SBA loans to small businesses that need working capital. Our SBA program features:

  • Loan amounts up to $5 million
  • LTV between 80% and 90%
  • Generous terms ranging from 15 to 25 years
  • Low interest rates
  • No prepayment penalties
  • Full amortizations
  • No balloon payments
  • Fixed and variable rate options
  • Pre-qualifications within 48 hours 

Get the Capital Your Business Needs

Reach out to the team at My Commercial Capital today for a working capital solution that fits your needs.