Real Stories. Genuine Feedback. Proven Impact.
Jake
CEO of kitchen renovation company
Bob Wilson
CEO of medical company
Matt
Product Manager
Maher
Owner of construction company
Louisa
Co-founder of Marketing company
Receive immediate, unsecured cash to buy materials or pay expenses.
Capital Access International is your one stop solution for finding the ideal business funding. Trust us to use our experience and knowlege of the industry to find optimal financing.
We believe in clients for life, that’s why our options are typically 25%-50% cheaper than most our competitors.
Our proprietary technology is designed to approve more accounts every day.
Trusted by Over 10,000 Businesses
in the United States and Canada
Approvals are typically issued on same day and accounts are typically funded within 2 business days.
Our experience makes your experience a simple one. Everything from the 1 page application to the minimal paperwork.
The repayment is automated via an automated daily,or weekly payment. You never have to worry about receiving a statement.
Get answers to all your questions about securing the right funding for your business.
Funding progams include Term Loans, Business Line of Credit, Equipment Fianancing, Cash Advance and Commercial Real Estate collateralized loans.
Loan and advance sizes range from a minimum of $15,000 to a maximum of $10,000,000.
The term of repayment for short-term, unsecured financing is between 3 and 36 months. For term loans it is 2-10 years. Commercial Real Estate loans range from 12 months to 5 years.
First, it's important to discuss your specific needs with our team so we know which program(s) are the best fit for your situation. Once that is determined, you simply submit an application using our simple online application form. Depending on which program is being requested, there will be follow up document requests where specific financial documents such as bank statements, P&L, Balance Sheet, tax returns might be needed.
Annual gross revenue of $800,000 or more.
Minimum 12 months time in business.
All owners of the business above 20% have minimum FICO score requirements for certain programs such as term loans and LOC. Cash advance FICO requirements are generally lower.
Businesses must be based in the United States.
Cash Advance: A fixed payment amount is deducted from your business bank account via ACH on a daily or weekly basis.
Term Loan: Monthly payment includes interest and principal
LOC: Monthly, interest only payments with principal payments due at the end of the term. LOC borrowers can withdraw principal amounts which have already beed paid again within the specified term.
Some programs, such as Cash Advance Loans offer discounts for early repayment.
The rate and pricing of each program is determined by amount, type of program and risk factors. For example, term loans have a fee between 2-6% depending on the amount of the loan which is performance based meaning it is only paid after closing and proceeds are disbursed to the lender.
Depending on the product that you select, you may be charged an origination fee. These fees are always itemized in the funding documents which borrowers must review before closing.
Cash Advance rates are often stated as a "factor rate" or “cents on”. This shouldn’t be confused with an annualized interest rate. For example, a factor rate of 1.24 is applied to the principal amount resulting in the payback amount. Payments are determined by dividing the payback amount which included principal and factor rate by the term in either days or weeks.
At Capital Access International the funding experience takes a few days from start to finish and can be visualized below...
After we review the account we issue a conditional approval with customized options. Once an option is selected, the agreement will be e-mailed or faxed to the client. After the executed agreement is received, CAI will perform final verifications and issue the final approval.
The contracts are signed, notarized and returned. Immediately thereafter we hold a conference call with the funder.
The money is wired directly to your bank account within 3 business days.
Subsequently, one of our funding coordinators will set up the preferred payback platform for the merchant. After this the wire goes to the clients operating account and the automatic daily payments start the following day.
