Table of Contents
Table Of Contents
- The Reality of Traditional Bank Loans
- Smart Funding Solutions That Just Make Sense
- Accounts Receivable Financing: Fast Cash Flow for Growing Businesses
- Business Lines of Credit: Flexible Funding When You Need It
- Merchant Cash Advances: Quick Capital Without the Wait
- Business Term Loans: Put Your Growth Plans in Motion
- Equipment Financing: Get the Gear Your Business Needs
- Making the Right Choice for Your Business
If you’re running a business, you know that having capital at the right time can make all the difference. But here’s what we’re seeing at Titan: traditional bank loans aren’t cutting it anymore for many business owners.
Think about it. Your business moves fast. Maybe you need to jump on a great deal from a supplier, or your busy season is coming up. Traditional bank loans often move too slowly and come with too many strings attached.
That’s why alternative lending is becoming the go-to choice for savvy business owners. Whether you need quick capital through a merchant cash advance or flexible terms through an alternative business loan, there are options that actually match how you run your business.
The best part? Alternative lenders look at your business differently than banks do. While traditional bank loans might get hung up on perfect credit scores, alternative lending solutions focus more on your business performance and potential.
Here’s what modern funding looks like:
- Quick decisions when you need them
- Flexible payment options that match your cash flow
- Less paperwork and fewer hoops to jump through
- Options even if your credit isn’t perfect
By the time you finish this guide, you’ll understand:
- Why alternative lending might be right for your business
- How merchant cash advances work (and when to use them)
- What to look for in alternative lenders
- Which funding solution best matches your goals
Ready to explore funding that actually works for your business? Let’s dive in.
The Reality of Traditional Bank Loans
Running a business? Then you probably have a story about trying to get a small business loan. While you’re out there making sales, delighting customers, and growing your business, traditional banks are… well, being banks.
What Business Owners Tell Us
“I can’t wait months for business financing.”
When opportunity knocks, alternative lending puts money in your account in days, not somewhere on next quarter’s calendar.
“My business is thriving, but my credit took some hits along the way.”
We hear you! Unlike banks that obsess over credit scores, alternative lenders focus on what counts — your current business performance and potential.
“My sales fluctuate throughout the year.”
This is where alternative lending solutions really shine. Your payments scale with your revenue, unlike those rigid business loans that demand fixed payments whether you’re having your best month or weathering a slow season.
What Your Business Actually Needs
Here’s what matters to you:
- Fast business financing when opportunities arise
- Decisions based on real business performance
- Flexible payments that match your cash flow
- Simple, straightforward paperwork
- A lending partner who understands your vision
The Alternative Lending Advantage
Here’s the exciting part — alternative lenders have created solutions that work for businesses like yours. They understand how you actually operate:
- Flexible alternative loans that grow with you
- Streamlined qualification processes
- Quick approval and faster funding
- Holistic business evaluation (not just credit scores)
Bottom line? You’ve got enough on your plate without wrestling with outdated lending processes. That’s exactly why savvy business owners are turning to alternative lending solutions that actually fit how they do business.
Smart Funding Solutions That Just Make Sense
Running a small business means seizing opportunities when they arise—and that takes capital. With Titan Capital, we keep things refreshingly simple with funding solutions that work as hard as you do. You’ll find no complex jargon here—just straightforward options that help you grow.
Every business has different goals, which is why we offer merchant cash advances, equipment financing, and invoice factoring solutions. Whether you’re gearing up for your busy season, expanding your operation, or upgrading your equipment, we’ve got funding that makes sense for real businesses like yours.
Here’s what makes us different: We’re not just another funding company—we’re your partners in success. Our friendly funding advisors speak your language and understand your challenges. They’ll walk you through each option and help you choose the path that’s right for your business.
Ready to explore funding that actually works for you? Let’s break down our three flexible solutions that keep things simple, straightforward, and focused on what matters most—your business’s success.
The best part? You could have funds in your account as soon as tomorrow. Because when opportunity knocks, we believe your funding shouldn’t keep you waiting.
Accounts Receivable Financing: Fast Cash Flow for Growing Businesses
Growing businesses with reliable B2B customers — we’re looking at you. When you’ve got quality accounts receivable but need cash today, this is your sweet spot. Especially if you’re consistently invoicing $10,000+ monthly to customers who always pay (just not as quickly as you’d like).
Your unpaid invoices shouldn’t slow down your success. While your customers take their time with 30, 60, or even 90-day payment terms, your business needs to keep moving forward. We’ve got a straightforward solution that puts those waiting-to-be-paid invoices to work right now.
Here’s the deal: your outstanding invoices are valuable assets ready to power your next move. We’ll advance you up to 90% of your invoice value — typically within 24 hours — so you can keep your momentum going strong. No more watching opportunities slip by while you wait for payments to clear.
Here’s How Simple It Is
Keep running your business as usual. Send out those invoices, deliver great service, and we’ll handle turning tomorrow’s payments into today’s working capital. Your customers keep their usual payment terms (they won’t notice a thing), and you get the cash flow you need.
What Makes This Different?
We look at what matters most — your business relationships. Your proven track record with reliable customers tells us everything we need to know. No rigid credit score requirements here. Plus, your financing flows naturally with your business cycle — when your invoices grow, your available funding grows too. The best part? You’re in control. You choose which invoices to finance, and when. It’s the flexibility your business deserves with the simplicity you need.
Perfect When You Need To:
- Jump on a big opportunity without the cash flow wait
- Keep your inventory fully stocked
- Make payroll while large invoices are pending
- Say “yes” to growth opportunities without hesitation
Ready to put your invoices to work? Let’s talk about transforming those pending payments into fuel for your business growth. Your dedicated funding advisor is here to make it simple.
Business Lines of Credit: Flexible Funding When You Need It
Your business moves fast — and your funding should too. A business line of credit puts you in control of your cash flow, giving you quick access to funds exactly when opportunities arise or challenges pop up.
Here’s the Deal
We’ll set up a pool of funds — anywhere from $5,000 to $250,000 — that’s yours to tap into whenever needed. The best part? You only pay for what you actually use. Draw $20,000 for that time-sensitive opportunity today, and keep the rest in reserve for tomorrow. As you repay what you’ve borrowed, your available credit bounces right back.
Why It Makes Sense
Business rarely follows a predictable path. Your line of credit helps you handle those seasonal swings, stock up when suppliers offer deals, or bridge the gap between sending invoices and getting paid. It’s your smart move for staying ahead of whatever comes next.
The Simple Benefits
Draw funds as needed without taking everything at once. Pay interest only on what you’re actually using, with funding hitting your account as fast as 24 hours after approval. And if business picks up? Pay it back early without any penalties. We believe flexibility should be exactly that—flexible.
Getting Started
We keep it clear: six months in business, $50,000 in annual revenue, and a credit score of 600 or higher puts you in prime position. Not quite at these numbers? Let’s explore other options that might work better for your current situation.
Ready to put financial flexibility to work for your business? Let’s set up your line of credit today. Your dedicated funding advisor is here to make it happen — and make it simple.
Merchant Cash Advances: Quick Capital Without the Wait
Need fast funding based on your future sales? A merchant cash advance (MCA) turns tomorrow’s revenue into today’s working capital. Perfect for businesses with steady credit card sales who need quick access to funds — whether it’s for unexpected opportunities or managing cash flow gaps.
Here’s the Deal
Get $5,000 to $2 million based on your future sales, with funding possible in as little as 24 hours. Instead of fixed monthly payments, you’ll repay through a percentage of your daily credit card sales. Factor rates start at 1.08, with flexible terms from 3 to 36 months.
Why It Works
Your repayment adjusts with your cash flow — lower sales mean lower payments that day. No collateral required, and newer businesses or those with challenged credit can often qualify. Since it’s based on your sales performance rather than traditional credit criteria, it’s a flexible option when conventional financing isn’t the right fit.
Put Your MCA to Work
An MCA gives you the flexibility to respond quickly to unexpected opportunities, manage seasonal ups and downs, or cover emergency expenses. It’s especially powerful for bridging cash flow gaps when you need working capital fast. This solution works best for businesses with consistent credit card sales who want to keep their momentum going without waiting for traditional financing.
Getting Started Is Simple
You’re in a good position if you have:
- Monthly revenue of $8,000 or more
- At least 6 months in business
- Credit score of 500 or higher
Is your business generating steady credit card sales but needs quick capital? Let’s explore if a merchant cash advance fits your needs. Your dedicated funding advisor can walk you through the details and help you apply today.
Business Term Loans: Put Your Growth Plans in Motion
Need substantial funding to take your next big step? A business term loan gives you the power to think bigger — whether you’re expanding your location, upgrading equipment, or seizing that perfect opportunity. We’re talking about serious capital with a clear path forward.
Here’s What Makes It Work
Get anywhere from $5,000 to $2 million with terms designed around your business rhythm. We keep things straightforward — you’ll know exactly what you’re borrowing and what you’ll pay each month. Interest rates start at 8.49%, and you can spread your payments over 6 months to 10 years.
Put Your Loan to Work
Your term loan opens doors to real growth. Fund that expansion you’ve been planning, upgrade your equipment and technology, or bring on key talent to grow your team. Maybe you’ve spotted a great deal on bulk inventory, or you’re ready to consolidate higher-interest debt into one manageable payment. Whatever moves your business forward, we’re here to help make it happen.
Quick Access When It Counts
Once approved, you could see funds in your account within 24 hours. Because sometimes business opportunities won’t wait — and neither should you.
Is This Your Best Move?
Term loans provide substantial capital for established businesses ready for their next big step. You’re an ideal candidate if you have:
- 1+ years in business
- $96,000+ annual revenue
- Credit score of 600 or better
Ready to put serious capital behind your plans? Let’s talk about getting you the term loan that fits your goals. Your dedicated funding advisor will walk you through everything you need to know.
Equipment Financing: Get the Gear Your Business Needs
Growing your business shouldn’t mean draining your bank account. With our equipment financing, you’ll keep your working capital healthy while adding the tools and tech that move your business forward. From construction gear to medical equipment, we make upgrading your operation simple.
The Numbers You’ll Love
Score funding from $5,000 to $5 million, with rates starting at just 7.5%. We’ll build payment terms between 1 and 10 years that match your cash flow. And here’s the best part—you could have your funding in hand within 24 hours of approval.
How It Works
We’ve made getting equipment financing refreshingly simple. You pick the equipment, and we’ll help fund it. The gear itself acts as collateral, which means better rates and an easier approval process than most other funding options. You’ll keep your cash flow strong while adding exactly what your business needs.
Put Your Funding to Work
From restaurant kitchen upgrades to delivery fleet expansions, we fund the equipment that helps you serve customers better. Construction equipment? Absolutely. Medical tech? You bet. Office systems? We’ve got you covered. Whatever moves your business forward, we’ll help you make it happen.
Ready to Roll?
Your business is in a great position if you’ve got:
- Annual revenue hitting $50,000 or more
- A credit score of 520 or higher
- Some business history (though many of our lenders love working with startups too)
Want to upgrade your operation? Let’s get you the equipment that keeps your business growing. Your dedicated funding advisor is ready to walk you through all your options and find the perfect fit.
Making the Right Choice for Your Business
With all these funding options on the table, how do you choose what’s best for your business? Let’s break it down into practical terms that matter to you.
Comparing Your Options
When evaluating funding solutions, consider these key factors:
- Speed of funding — how quickly do you need the money?
- Qualification requirements — what hurdles will you need to clear?
- Payment flexibility — how well does repayment align with your cash flow?
- Amount needed — what funding range fits your situation?
- Use of funds — do you face restrictions on how you can use the money?
Why Alternative Lending Options Often Come Out on Top
For most small business owners, alternative lending options through Titan as their merchant services provider shine brightest because they solve the most common funding challenges:
Speed: When opportunity knocks, you need quick answers — not weeks of paperwork. With Titan’s MCAs, you’re looking at days, not months, to get funded.
Flexibility: Your business doesn’t run on a fixed schedule, so why should your payments? MCAs adjust with your daily sales — working with your business rhythm, not against it.
Simplicity: Forget complex applications and endless documentation. If you’ve got steady credit card sales and six months in business, you’re likely qualified for $1,000 to $75,000 in funding.
Getting Started with Titan Capital
Ready to explore your options? Here’s how simple it is:
- Apply for the funds you need (applying is free and won’t affect your credit)
- A Titan Capital lending expert will contact you
- Get a quick decision
- Receive funds in as little as 24 hours
Remember, choosing the right funding isn’t just about getting money — it’s about finding a financial partner who understands your business needs. With Titan Capital, we’re committed to being that partner, offering straightforward solutions that help you grow without the traditional lending headaches.
Let Titan Capital Guide Your Growth
This is where Titan Capital’s expertise makes the difference. With access to over 20 different loan products and partnerships with 75+ financial institutions, we match your specific needs to the right funding solution. Our deep understanding of merchant services means we know exactly how to help businesses like yours grow. Whether you need quick capital through an MCA or want to explore other financing options, our team is ready to guide you toward the best choice for your business goals.
Ready to explore your options? Apply for Titan Capital today and discover how we can help power your business growth.
