The Capital You Need, When You Need It.
Noteman Capital provides fast, flexible funding solutions like Merchant Cash Advances, Business Lines of Credit, and more to keep your business moving forward.
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The Noteman Advantage
Why Choose Noteman Capital?
Getting Funded is Simple
 Fill out our straightforward, one-page application.
We review your application and present a firm offer.
Sign the agreement and receive your capital.
Trusted by Business Owners
Across the Country
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Types Of Funding Products You Can Broker
And Basic Underwriting Guidelines
1. Merchant Cash Advance:
This is known as “Revenue Based” Financing. This is the number one product most business owners that get approved for funding will end up with. 70-80% of business owners who qualify for funding will qualify for an MCA if they can meet the basic criteria of a 500+ FICO, $5k+/month in revenue, and at least 6 months time in business. These only come in daily or weekly payments. These can fund same day of approval or within 24-48 hours typically.
Documents needed up front: One page signed application, last 4 months business bank statements (Month to date statement after the 15th of each month), and an AR aging report for larger submissions.
Most traditional banks want to see at least a 680+ FICO, 2+ years TIB, and consistency in revenues in order to qualify. Most business owners will NOT qualify at these traditional banks especially in their early days.
2. Business Line Of Credit:
This is a favorable product for the business owner as they only pay on the funds they draw from their line. Most alternative LOC’s consist of a weekly payment for payback with revolving terms from 6-18 months. Minimum FICO 650+ in the current market. Up to $250,000 in funding.
Documents needed up front: One page signed application, last 4 months business bank statements
Brokers can earn anywhere from 2-4% per draw in commission.
- SBA Loans- Small Business Administration Loans are the cheapest form of financing a business owner can get currently. They are backed by the US government and collateral is required. This is for business acquisition financing, working capital and business CRE. Typically underwriting takes 45-90 days on average to fund a deal. The process is extensive with documentation and collateral. SBA 7a goes up to $5M with terms up to 10 years and a monthly payment. SBA 504 (Commercial Real Estate) goes up to $10M. Amounts will depend on lender criteria too. SBA express loans go up to $150,000 and take 2 4 weeks to fund (these are unsecured). Minimum 680+ FICO. 2 years time in business. Consistent revenue. Prefer businesses doing over $500,000/year in revenue.
Documents needed up front: Last two years Profit and Loss, Last two years Balance Sheets, Last 2 years business and personal tax returns, Debt schedule (If they have current debt out), LOI (For acquisition purposes only).
Brokers can earn 1-2 points commission from the lender. You can also charge your own success fee.
*** I stopped brokering these because it takes a long time with underwriting, there is too much back and forth and headache to make it worth the while with the minimal commission we get ***
- Startup Funding: The only products for startups will be the credit card stacking program along with the installment loan program. Need at least 680+ FICO, verifiable income of $40,000+/year, open credit card with at least a $2500 balance as well. Have personal and business credit programs here. Clean credit history is important for this product. No prior BK’s or defaults. These products are
primarily credit based.
3. Equipment Financing:
Can work with startups and existing businesses for this program. Options for 500+ FICO. Up to $20M (Case by case basis for certain lenders). Main focus is construction, trucking, printing, software, and medical equipment. Monthly payments with terms from 36-72 months.
4. Hard Money/ Bridge Loans:
Can work with real estate investors and established businesses for this program. Options available for 550+ FICO. Up to $50M depending on property value with short-term interest-only payments from 6–36 months.
The information needed for this type of loan:
- Property Address
- Property Value/ Loan Amount
- PFS (Attachment)
- Schedule of Real Estate (Attachment)
- PSA (contract or offer)
- Proof of Liquidity (Back Statements)
Documents needed upfront: One page signed credit application, last 4 months business bank statements, equipment invoice or quote from the vendor.
Brokers can earn 5-10% commissions on deals. A lot of this is depending on who you fund with and what the deal size was.
Invoice Factoring- Accounts Receivables financing. If a business gets paid on net 15,30,45, or 60 day terms then this is a good product for them. Popular product for Truckers and Manufacturing. Since the funding is secured by the receivables, credit is not a factor here. Funding up to $20M. 3-7 days for underwriting typically.
Documents Needed upfront: AR report, copy of a PO or bill from largest customer, financial statement (P&L and Balance Sheet), invoice to largest customer, owners name/corporate address/phone number.
Brokers can make between 10-15% of the total amount from the fee the Invoice factoring lenders charges for the receivables.
Ex. $100,000 funded to customer. Factoring company takes 2% and you would get 15% of that 2%
2023 PETERBILT 389
USD $159,995
Funded
2004 CATERPILLAR D6R
USD $89,000
Funded
2020 DEERE 410L
USD $83,000
Funded
2021 CASE TV450B
USD $44,500
"Noteman Capital funded us in 3 days when the bank dragged their feet for months. It was a game-changer for our expansion"
Sarah J. Restaurant Owner