Services Overview

We strive to provide funding for businesses that have been looked over, forgotten, or denied in the past. Our funding specialists ensure that each of our clients receives a funding package that works for their personal, business, and financial goals and requirements.

 
 

Unsecured Lines of Credit

We offer unsecured lines of credit meaning the borrower doesn't promise the lender any collateral to back the line of credit (LOC). A line of credit is an arrangement between yourself and Pay Less Business Funding that establishes the maximum loan amount you can borrow. The borrower can access funds from the line of credit at any time as long as they do not exceed the maximum amount and meet other requirements such as making timely minimum payments . A line of credit has built-in flexibility in which the borrower can request a certain amount, but they do not have to use it all. Rather, you can tailor your spending on the LOC to your needs and owe interest only on the amount you draw, not on the entire credit line. Our LOCs consist of a set amount of money that can be borrowed as needed, paid back and borrowed again.

Pay Less Business Funding Services

6 Month to 24 month Terms 

  • Min / Max Funding Amounts: $10,000.00 - $500,000.00

  • Interest Rates are from 7.99%-19.99%

  • Daily, Weekly and Monthly Payment Options

  • Funds within 24 to 48 Hours

  • Minimum Time in Business: 2 Years

  • Minimum Credit Score: 600

 

Longterm Advances

We offer long-term advances meaning the borrower receives a specified sum of money to be paid over a specified period of time, usually with the principal being repaid either on a regular installment basis or by a lump sum on an early payment discount date. The loans have built-in flexibility in which the borrower can pay off the loan early for a substantial early payment discount. Our unsecured long-term advance program does not require the borrower to back the advance with any collateral; approvals are leveraged off the borrowers future receivables.

Pay Less Business Funding Services

3 Month to 24 Month Terms

  • Min / Max Funding Amounts: $5,000.00 - $1,000,000.00

  • Factor Rates are from 1.15 - 1.499

  • Daily and Weekly Payment Options

  • Funds within 24 to 48 Hours

  • Minimum Time In Business: 3 Months

  • Minimum Credit Score: 400

 

Cash Advance Consolidation Program

We consolidate up to 10 existing cash advances meaning we buy out the borrowers existing cash advance debt and merge the payments into one collective payment option while simultaneously lowering the total payment amount by 20%-40%. This program is geared to free up cash flow and relieve the stress of unsustainable high payments.

Pay Less Business Funding Cash Consolidation Program

3 Month to 36 Month Terms

  • Min / Max Funding Amounts: $20,000.00 - $2,000,000.00

  • Factor Rates are from 1.10 - 1.499

  • Daily, Weekly, Bi-Weekly and Monthly Payment Options

  • Funds within 24 to 48 Hours

  • Minimum Time In Business: 6 Months

  • Minimum Credit Score: 400