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Grow your business! Simple solutions to gaining Cash!


New business or old established businesses sometimes need additional cash to expand, implement new programs, purchase additional equipment, or add new staff to the increased demands.

What are some tactics to get you the cash you need?

Business Loan

Small business owners can usually qualify for a small business loan easier than qualifying for a traditional loan, but it takes a while to get approved. You can receive information about an Small Business Administration (SBA) loan through your local lender. To qualify for this loan your business must meet qualifying criteria and provide statements of tax returns, personal history, profit and loss statements, loan application history, resume, bill of sale, and your lease agreement. This works through your local lender to guarantee repayment to your financial institution should you default on the loan.

Cash Advance Against Credit Card

A cash advance is a service provided by most credit card companies, Visa, MasterCard, American Express, and Discover to withdraw cash against their allowable credit limit. This generally is a last resort resource as the interest rate and fees associated with the credit are generally much higher than normal. The “cash loan” accrues interest immediately without a grace period. Last resort if you really have to have cash fast.

Commercial Loan

Conventional fixed rate loans for a business are a good source of capital if you have the time and meet the criteria.  Banks move at their own pace and in most cases you must be in business over 2 years, bring in a minimum of $100,000 and have good credit. Usually the repayment time is shorter, the interest rate is lower and the loan often includes a balloon payment.

Real Estate Based Equity Loan

Cash is derived from borrowing against the equity in owned property. This allows the creditor a lien on your property. This is a secured loan that will have additional fees and interest rates, is dependent on your credit score, and takes some time.

Personal Investments

Your personal savings can be invested in your business as a loan.   It is better for the business to perform on its own, but this is an option when you have no other way to obtain funds quickly.


Invoice factoring is an easy and quick way to get cash for your growing business needs without incurring additional debt. Accounts receivable (invoices) are sold to the finance company in exchange for cash. Both new and old businesses can receive immediate cash for growth, payroll, or fund other operations. At New Century Financial, there are no hidden fees, interest, or loans to pay back. A business qualifies through the creditworthiness of their clients.

Why not try factoring for any cash you need? You already have the invoices. Let New Centurial Financial collect them for you while you work on your business.