What is Alternative Funding?

Alternative funding is a form of business funding that allows businesses to get unsecured funds with minimum paperwork even if their credit score is below average. Businesses can also enjoy flexible terms and easy repayment methods. Approvals are quick and in most cases funds are deposited into the business's account within 24 hours.

How does your process work?

Our process is simple, hassle-free, and the fastest way to secure working capital for your business. Our process is perfect for small to medium sized businesses as we do not require collateral or personal security. We provide immediate access to funds regardless of credit score since our funding process is based on how well the business performs. If your business qualifies, you can receive funds in as little as 24 hours.

What is Working Capital?

Working capital is the money used to cover all of a company's short-term expenses, including inventory, payments on short-term debt, and day-to-day expenses—called operating expenses. Working capital is critical since it is used to keep a business operating smoothly and meet all its financial obligations.

Is there a fee to apply?

No, we do not charge any fees to apply or receive an offer.

Why ACR Funding vs a traditional lender?

Traditional lenders such as banks have made it extremely difficult for small business owners to qualify for loans. Banks reject upwards of 80% of the small business loans due to bad personal credit scores of the borrowers, limited time in business, collateral requirements, and other red tape.

How quickly can I receive funds?

Often times we can secure funding the same day you apply. If your business qualifies, we can arrange for same day funding via wire transfer or ACH.

Is there a fee to apply?

No, we do not charge any fees to apply or receive an offer.

What do I need to apply?

Applying is easy and hassle-free. Along with the required information in the application process, we need the last 3 months’ bank statements from your business account. In rare situations, if additional documents are needed one of our team members will reach out to request them.

Do you check my credit score?

ACR Funding does not perform credit checks. However, some lenders may pull a soft inquiry also known as a soft credit check or soft credit pull. Unlike hard inquiries, soft inquiries do not affect your credit scores

What if I have poor credit?

We provide a fast and efficient financing process based on your business performance rather than your personal credit score.

Why ACR Funding vs a traditional lender?

Traditional lenders such as banks have made it extremely difficult for small business owners to qualify for loans. Banks reject upwards of 80% of the small business loans due to bad personal credit scores of the borrowers, limited time in business, collateral requirements, and other red tape. With that said, applying for one of the funding solutions from ACR Funding is a much better option because you get unsecured, immediate access to working capital with flexible repayment terms.

What is a Revenue Advance?

A revenue advance, also known as a merchant cash advance, is not a loan, rather it is an alternative source of fast working capital for your business via a purchase of a portion of your future revenues. Those revenues could be via payment card receivables for example, or other regular revenue streams your business receives. Unlike a loan that will require a fixed monthly payment amount, your business will only make flexible daily remittances to repay the revenue advance, based on a percentage of actual future receivables.

Are there industries you do not provide funding for?

We offer funding for a large number of industries, including high-risk industries like construction and contracting. However, we do not provide funding for businesses associated with gambling, firearms, or adult entertainment.