Our Funding Programs
Small business loans can support all aspects of your enterprise. Our funding is a a flexible option that helps you and your business meet your goals. Higher Access Capital moves with speed and works directly with you to provide you a better way to borrow the capital you need to keep your business growing.
​Vendor Credit
Credit extended to your business for net 30 or net 60 day terms or even often in forms of credit lines to your business. Vendor credit allows you to purchase products or services they offer on a deferred payment structure. This type of financing can be used as a revolving credit line for products and services that your business needs, thereby easing cash flow.
Merchant Cash Advances
When you need to obtain capital for your small business quickly, a merchant cash advance or MCA can be the shortcut to funding you need. A merchant advance is a convenient option for growing your business or sustaining cash flow.
Equipment Financing 
​A common tool used by almost every business. Equipment financing is a wonderful funding product as it can help improve cash flow and also improve working capital. It typically involves a lender giving a business finance terms that is secured by a piece of equipment.
​Traditional Financing
​(SBA Loans, Bank Loans, Term Loans) 
​Funding through traditional financing options will be composed of local banks and community lending institutions; amongst big-box banks and online lenders. These funding sources follow the traditional underwriting criteria and are a perfect fit for established business owners with 2+ years in business.
Business Lines of Credit 
​In today’s entrepreneurial culture credit card financing has become a widely used strategy that no longer carries a negative stigma. Indeed, many business owners use personal and company credit cards to launch their companies and help them succeed.
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Unsecured Lines of Credit 
An unsecured line of credit is the perfect financing vehicle for any growing business’ needs. Use this non-collateralized line-of-credit for any reason, including making sure you have payroll on time, you’re able to pay your vendors on time, or increase marketing to bring in more business.