Micro Working Capital

Apply Today & Get Funded Tomorrow!

Approvals From $2,000 to $40,000

What Makes Next-Financing Micro Working Capital Different?

Micro Working Capital approvals up to $40,000. (Up to 5 positions)
We will beat any written offer. Contact us with your current offer and let us beat it!
Soft Inquiry Only (No impact on your credit score) to provide you with Micro Working Capital Loan options. ZERO risk to you.
Over 100 Working Capital Products, which Allows customized solutions for your business.
Early Repayment Discounts – up to 30%.
We will Provide Your Business with the very best Working Capital Loan Product for your current need and situation.

**All micro working capital approvals come with an Instant Checkout link that is sent to you directly to fully checkout & fund your account in minutes! No Voided Check, ID, or any other bulky documents are required.

Next-Financing – Business Borrower’s Bill of Rights

Next-Financing is 1 of 50 signatories of The Small Business Borrowers’ Bill of Rights, which identifies six fundamental rights that all small business owners seeking financing deserve and outlines how lenders, brokers and lead generators should uphold and protect these rights.

1. The Right to Transparent Pricing and Terms: A borrower has the right to have the cost and terms of any financing being offered presented to them in writing and in a form that is clear, complete, and easy to compare with other financing options, so they can make the best decision for their business.

2. The Right to Non-Abusive Products: A borrower has the right to expect that the financing products offered by a lender will not trap his/her business in an expensive cycle of re-borrowing.

3. The Right to Responsible Underwriting: A borrower has the right to expect a lender is offering financing based on underwriting practices that assess the ability of the borrower’s business to succeed and repay.

4. The Right to Fair Treatment from Brokers: A borrower has the right to honest, transparent, and impartial communications with a broker regarding loan options, conflicts of interest, fees, and the financing options available.

5. The Right to Inclusive Credit Access: A borrower has the right to fair and equal treatment when seeking a loan including protections guaranteed under the Equal Credit Opportunity Act.

6. The Right to Fair Collections Practices: A borrower has the right to be treated fairly and respectfully throughout a collections process and the right to protections like those guaranteed under the Fair Debt Collection Practices Act.

Our Stance & Opinion on Working Capital or MCA ‘s

We want to be up front from the very beginning. When it comes to any sort of working capital, ACH Loan, MCA or whatever you want to call it – it’s not for everybody. If you decide to work with Next-Financing, you will hear the question “what are you trying to accomplish?” and it’s not a nosey question, but rather a question of sincere interest in providing your business with the very best product for your need and situation. We do not want to put you or your business in a position to fail or be hurt by taking on bad debt.

The correct mindset to have in regards to Working Capital or any MCA Product is to look at the funding as a “tool” to grow your business. If you don’t have a plan or full understanding of how you are going to use this new found capital, we recommend you don’t do it. It’s always going to be your decision what to do in the end, but that’s our two cents on the subject. The instant injection of capital into your business can be either a good or bad idea. If you use it as a “tool” and not a “life raft”, you will enjoy the process of using other people’s money for your gain. If you are only looking for something to keep you afloat, let’s have a chat. We may have a better solution for your current needs than a quick hitting advance. If you have any questions or concerns, we ask that you contact us to make sure your questions are answered. Thanks – we look forward to working with you.

Click The “Let’s Get Started” Button Below & Get Approved Today!

Full Transparency – Pricing & Fees

Everybody wants to talk about being different and there are some out there who are, but it may take a lump or two before you find them. There is no sense in trying to sugarcoat the terms, because you can’t. You can sugarcoat the ROI it can bring to your business, but not the cost of the money. How’s that for telling you how it is?

One of the main reasons an Advance’s APR is so much higher than a typical bank loan (other than speed of funding, no real credit score requirements and no required collateral), is that a bank receives a monthly percentage on the balance owed, not the full amount of the loan. As the loan is paid off and the balance reduced, the interest paid is less. However, a merchant cash advance fee is a fixed charge for providing the advance. That charge can be as much as 30% – 60% of the advance. For example, the fee for a $20,000 advance could be $4K – $8K. You won’t see that nonsense with our offers!

The second major culprit of expensive money? The outrageous broker/origination fees being charged all over the place. Next-Financing is most definitely a FOR PROFIT company, but we have caps on what we allow our sales reps and sales partners to charge their clients for our products. There will be no 10%, 12%, 15% or crazy 20% broker commissions added to an offer with our name on it. Our standard fee for all of the products we offer is 3% – 5% (varies by product type and industry type). Yes, we make a profit from each and every loan or advance we help fund, but there is no need to over charge.

The third culprit are all of the fees charged to the merchant/borrower at the time of funding. Some prime examples are the following. Origination Fee: $395, ACH Program Fee: $395 or up to 10% of the funded amount, Minimum Bank Fee of $195 or up to 10% of the funded amount, UCC Filing Fee: $195, Risk Assessment Fee: $249, NSF Fee: $35 for each occurrence, Rejected ACH Fee: $100, Bank Change Fee: $50, Unauthorized Account Fee: $5,000. When a merchant is told they are approved for $20,000 and they’re expecting to receive a deposit of $20,000 into their bank account, they are mistaken. They will be making payments based on the $20,000 approval, but after all of the fees listed above, the actual “net” deposit into their account will be approximately $18,000. Next-Financing does not nickel and dime you to death – before depositing your approved funds into your bank account.

How is Next-Financing different in our fee structure at the time of funding? The biggest thing for merchants to understand is that we do not file UCCs/Liens or ask you to sign a “Confession of Judgement” – to scare or intimidate you. Quick, honest, ethical funding – that’s all we will promise. Contact us today and get the funding you need for your business without all the “add-on fees” that usually comes along with it. We look forward to working with you!

Getting Started:

The entire process can take less than 24 hours. First, we will review your business and its history to determine if we would like to provide approval options. You will need to submit a few documents, such as 3-6 of your most recent business bank statements, so we can provide an approval decision that works within your business budget and credit profile. Upon approval and signed contract, we would fund your business account with up to $40,000.

Required Documents:

*Signed Loan Application – allows us to perform a soft credit inquiry

*Last 3 Months of Business Bank Statements

*Copy of Driver’s License & Voided Check

Frequently Asked Questions:

Q: What are the interest rates?

A: Interest Rates do not exist in the short term working capital world. These are not the type of loans you seek to use long term, but rather short term to help grow your business. We buy your future receivables at a discount by using a factor number. For example, in exchange for $10,000 today, you agree to pay back $13,000 in 12 months – a factor of 1.30.

Q: What if I have bad credit?

A: Our agreement to buy your future receivables is primarily based on sales history and the probability of having future sales. Certain credit score qualifiers will expose your business to a different set of terms or approval amounts, but it typically will not keep you fro m receiving an offer if your revenues are strong.

Q: Do I need to accept credit cards to get approved?

A: No. You do not need to accept credit cards. We consider all forms of business revenue/receivables while reviewing an application, including cash, checks, and electronic receivables. The important part of this answer is what can be proven or stated? What shows on your bank statements as the total amount deposited for the month? If not your bank statements, do you have other records to back up your gross monthly revenue claims?

Q: How does a Next-Financing Micro Capital Loan get paid back?

A: We collect a percentage of your sales via an ACH debit from your business checking account. These payments are made daily, weekly or monthly – depending on your time in business, industry and the financial health of your business.

Q: Do we have a Spanish version of our application and instructions? Do we have Spanish speaking Reps?

A: Yes, we have a Spanish version of our application and all of the documents needed to get started and we would be happy to pair you with one of our Spanish speaking Sales Directors to assist you through the process.