THE FUNDING PANDA, LLC
ORLANDO, FLORIDA

Funding Tailored for Your Business Needs We compile your business revenues, credit, cash flows, statements and more to find you the best funding option for your business. When you receive a merchant cash advance, your business gains upfront working capital in exchange for a percentage of future credit card sales. Merchant cash advance companies frequently partner with card processing companies to hold back a percentage of sales revenue. The Small Business Administration (SBA) collaborates with select commercial lenders that agree to meet SBA guidelines to offer small business loans. With the exception of their disaster loan program, SBA does not directly provide the actual business loan. Rather, SBA provides a partial guarantee that they will repay a certain amount to the lender if a business defaults on its loan payments. Essentially, the SBA acts as a co-signer for small businesses that may not have the credit history or other collateral to receive a traditional loan. By reducing risk for lenders, SBA helps encourage financial institutions to lend to small businesses. Business Line of Credit Revolving credit is a flexible method of borrowing money for your business. Instead of borrowing a fixed amount of money all at once, revolving credit allows your business to borrow working capital in increments that you need, up to a pre-approved limit. You make payments on a regular, predetermined schedule, and you can borrow or use more as your principal is paid down. If you have a business with slow-paying customers or a limited cash flow, you may be interested in learning about invoice factoring. Invoice factoring is a financing plan specifically designed for businesses that issue invoices with net terms usually between 30 to 90 days. With invoice factoring, businesses can utilize their unpaid invoices to secure immediate funding. Business Loans Business loans can be extremely beneficial during a growth period, to smooth fluctuating cash flow or to prepare for a busy season. If you are considering borrowing money for your business, carefully consider how you will use the funds. If you know that taking the loan will put you in a position to pay back the loan quickly, a small business loan can be a great option. Before signing on the dotted line, it’s important to have a detailed business plan to ensure your extra working capital will drive revenue that ultimately helps you pay the money back. Create a plan of action for how to use your line of credit and how you will repay it. Revenue-based financing is a type of funding in which a company agrees to share a percentage of future revenue with an investor in exchange for capital up front. The loan payments are tied to monthly revenue, going up for strong-revenue months and down for low-revenue months. The Funding Panda is a Business Loan and Business Capital expert. We specialize in helping clients get the funds they need to grow their business.