SBA Business Express
Does your company ever run short on cash?
SBA Business Express has you covered.
5%
Flat Fee
Recieve
$1,000
$2,000
$3,000
$4,000
Repay
$1,050
$2,100
$3,150
$4,200
30 Day Repayment
60 Day Repayment 10% Fee $5,000 $5,250
90 Day Repayment 15% Fee $7,500 $7,875
SBA Business Express provides you with easy, short-term funding for a low flat fee. Use
your Express Funding for working capital, emergency cash, inventory, supplies or for any
purpose you want. You can get funding now, or set up your line now for any emergency
needs in the future.
Taxes Advertising Emergencies Repairs
Bills Inventory Payroll Rent
Get Your Funding Set Up Today
Your application is on page 7
1 (800) 494-0895 www.SBABusinessFunding.com 1
SBA Business Express
$0 Annual
Fee $0 to
Apply
How Does SBA Business Express Work?
Example
Borrow $1,000. Repay $1,050 over 30 days. Payments are a small percentage of your daily sales.
Mon. Tues. Wed. Thrs. Fri. Sat. Sun.
Daily Sales $1,000 $600 $1,000 $700 $1,500 $1,400 closed
Payment $40 $24 $40 $28 $60 $56 $0
4% OF SALES
Over 7 days you are repaying an average of about $35 per day.
$35 per day x 30 days = $1,050 total repayment.
Advantages of SBA Business Express Funding
· Funding from $500 -$7,500 · Funding in three days - Renewals in 1 hour
· No collateral required · No payment on days you are closed
· No minimum credit score required · When sales are lower your payment drops
· Borrow again when you need it · No fixed term or payment amount
Get Your Funding Set Up Today
Your application is on page 7
1 (800) 494-0895 www.SBABusinessFunding.com 2
SBA Business Express
How To Get Working Capital For Your Business
Dear Small Business Owner;
If your business needs cash for investment or to cover expenses, you can get the money you
need today from SBA Business Funding.
Unlike a bank loan or a credit card, Factoring is a financial transaction where a business sells
its future sales at a discount in exchange for immediate cash. Your business can get funding
because you have built up your sales volume – you can get money today against future sales.
Your personal credit score or collateral do not matter in a factoring agreement.
Factoring is not a loan – it is the purchase of a financial asset (your future sales). Repayments
are made over a 30-120 day period. Many businesses have cash flow challenges. A business in
need of money can sell (factor) future sales to get immediate cash for investment, inventory or
other needs.
Here is an example:
You need $2,000 to cover a tax bill. You get $2,000 now and repay a total of $2,200 over the next
60 days. You total cost to factor your future sales is a flat fee of 10% for 60 days, or $200.
If you need 90 days to repay, the fee increases to $300. You pay only the flat fee when you sell
your future sales. Funding up to $7,500 is available through SBA Business Express.
The Contract
The Factor Agreement is a simple, one page agreement between your business and
SBA Business Funding. You can see a copy at: www.SBABusinessFunding.com/contract.
1 (800) 494-0895 www.SBABusinessFunding.com 3
SBA Business Express
How Do I Pay Back My Business Express Line?
We use an easy, safe system to collect payments. It’s called a “Split-Funding Agreement”. We do not bill
you or debit anything from your business bank account.
Instead YOU authorize your credit card processing company to send us a small percentage of your daily
deposits. They will “split” your daily deposit between two different bank accounts. You decide how much
that split should be. Here is an example:
You authorize them to send a small daily percentage [5% - 15%] of your daily credit card sales back to us
as a payment. They send the rest of the money directly to you just like always. This way we get paid back
slowly over time – without hurting your bottom line. You won’t even notice the small, daily repayment.
When you are paid off the split funding agreement is shut off automatically.
Example
$2,000 Daily Sales
$1,500
Cash & Check Sales
$500
Credit Card Sales
You keep 100% You keep 95% We keep 5%
of these sales of these sales of these sales
($475) ($25)
A split funding agreement allows us to safely extend funding to your business. You get the money you
need today and the benefit of flexible payments. On slow days your payment actually drops. If you are
closed you make no payment at all.
We only get the exact fixed percentage amount you have authorized until you are paid in full. Then the
split agreement is ended and you keep 100% of all sales just like before. Once your account is set up you
can get funding in as little as one hour in the future.
1 (800) 494-0895 www.SBABusinessFunding.com 4
SBA Business Express
BUSINESS EXPRESS FAQ’S
What determines the approval of the funding?
SBA Express Lines are funded with the single page application found on page 7 in this package and a review of your recent
business sales volume. If you have $80,000 a year or more in sales or $3,000 a month in credit card processing, you can
probably get funding. In fact 95% of all business owners can qualify for SBA Business Express Funding.
How long does it take to get approved and when do I receive my funds?
Initial approval and funding takes just 3-5 business days. Repeat funding takes as little as one hour.
Does an SBA Business Express Line improve my business credit rating?
Yes. The repayments can be reported to Dunn & Bradstreet.
Can I pay off early without penalty?
If you select a shorter term your costs are lower.
What if I need to borrow more than $7,500?
Additional funding may be available through the SBA Advantage Funding program.
Are my payments fixed?
Flexible payments are the best part of the Business Express Line. Your repayment amount is set as a small percentage of
your sales. Your payment actually drops if your sales decline, or increases if sales are good. Most businesses enjoy this type
of flexibility as opposed to large fixed monthly payments.
How do I make payments?
Payments are made automatically every time you batch out your credit card terminal. The credit card processing company
will send a small fixed percentage of your daily sales back to us. When you are paid in full the deduction is stopped.
Is Business Express Funding a line of credit?
The Business Express Funding Program does have some similarities to a line of credit. Once approved you do not have
to draw funds right away. You can request funds at anytime in the future. Also, whenever the balance is below 60% of the
maximum approved amount you can request additional funds.
However, this type of financing is not considered to be a line of credit. It is a discounted sale of future receivables
commonly known as receivables factoring. We are purchasing future sales from your company at a small discount. Loans
and lines of credit have fixed terms and payment amounts. The Business Express Funding Program does not.
What type of documentation is required for approval?
Approval requires a completed application and your most recent 3 months of business bank and one month of credit card
processing statements. All pages of each statement are required.
Are there any upfront fees or closing costs?
No. There are no fees, closing costs or annual fees.
How can I apply for an SBA Business Funding Express Line?
There is no fee or obligation when you apply. Simply complete the Express Application included in this package or apply
on line at www.sbabusinessfunding.com/express.
1 (800) 494-0895 www.SBABusinessFunding.com 5
SBA Business Express
BUSINESS EXPRESS APPLICATION
Please complete an application on each business location for which you are
interested in obtaining funding. For multiple businesses and /or federal tax ID
numbers, separate applications must be filled out for each.
All fields must be completed to have your file reviewed for approval. If a field does
not pertain to you or your business, i.e. you do not have a second owner, please use
N/A (not applicable) in that field.
Please be as accurate as possible as this will ensure you the quickest funding
timeline.
Funding for first time clients takes 3-5 business days and then only about 1 hour
anytime in the future. Funds do not have to be drawn at final approval. You can call
and request funds anytime once your account is opened.
Want to apply online? Visit www.SBABusinessFunding.com
SBA Business Funding
43676 Trade Center Place, Suite 125
Dulles, VA 20166
(Fax) 1-703-485-4644
(Phone) 1-800-494-0895
1 (800) 494-0895 www.SBABusinessFunding.com 6
ST It’s free to apply and there is no obligation!
SBA Business Funding Express Application
PLEASE NOTE: All fields must be completed for application to be processed
BUSINESS INFORMATION:
Legal Business Name: ______________________________________________ DBA Name: ______________________________________________
Physical Address: ____________________________________________ City: _____________________________ State: _______ Zip: ____________
Business Phone: ( ) _______-__________ Business Fax: ( ) _______-__________ Email: _______________________________________
Type of Business: ____________________________ Structure (LLC, Corp, Etc.):___________________________ Time in Business_______________
Average Monthly Gross Sales: Cash / Check _____________________________ Credit Card Receipts ______________________________________
9-Digit Federal Tax ID number: ____________________________# of Owners:____ # of Locations: ______
Amount of Funding Requested:_____________________________________________________________
PRIMARY OWNER INFORMATION
Principal Owner Name: ________________________________Social Security Number: _________ - _____ - __________ D.O.B.: _____/_____/_____
Home Address: ______________________________________________City: _________________________________State: _______ Zip: _________
Home Phone: ( )_______-______________Mobile: ( )_______-____________
SECOND OWNER INFORMATION
Principal Owner Name: ________________________________Social Security Number: _________ - _____ - __________ D.O.B.: _____/_____/_____
Home Address: ______________________________________________City: _________________________________State: _______ Zip: _________
Home Phone: ( )_______-______________Mobile: ( )_______-____________
CREDIT CARD PROCESSOR INFORMATION:
Processor: _________________________Terminal Type:_____________________ # of Terminals: _____Time with Processor: Years ___ Months ____
Do you currently have a merchant cash advance? Yes N
No Balance $_______________ Lender Name______________________________
ADDITIONAL INFORMATION:
Does the business have fluctuating/seasonal sales cycles? No Y
Yes If yes, what are your high season months? ________________________
Has your business been for sale within the last 12 months? No Yes If yes, is the business still currently for sale? No Y
Yes
Does your business have an open state or federal tax lien? No Y
Yes If yes, has a repayment plan been in place for 90 days? No Yes
How Can SBA Business Funding Help Improve Your Business?
_____Help me buy or refinance commercial property _____Help me buy or lease equipment
_____Get me guaranteed 24-hour batch deposits _____Get me a free ATM for my location
_____Help me finance seasonal inventory _____Low cost, high impact direct mail marketing
_____Lower my monthly merchant processing costs _____Reduce my overdraft/insufficient funds fees
Applicants authorize SBA Business Funding, Inc. and its agents, banks or partner institutions full disclosure rights to obtain and investigate
any consumer report from a credit bureau or credit agency. This includes investigating any statement or data obtained from applicants.
_______________________________________________________ ________________________________________________________
Applicant’s Signature Date Co-applicant’s Signature Date
Email back to loans@sbabusinessfunding.com Fax Back to 1-(703)-485-4644 Mail Back to 43676 Trade Center Place Suite #125 Dulles, VA 20166
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