Surpass Capital offers flexible lines of credit designed to provide businesses with the financial agility needed to manage cash flow, cover unexpected expenses, and seize growth opportunities.
Line of Credit
What Is A Line of Credit?
Surpass Capital offers flexible lines of credit designed to provide businesses with the financial agility needed to manage cash flow, cover unexpected expenses, and seize growth opportunities. A line of credit gives you access to a predetermined amount of funds that you can draw from as needed, with interest only charged on the amount you use.
Why Surpass Capital
At Surpass Capital, we are committed to providing financing solutions that support your business's dynamic needs. Our lines of credit offer flexibility and convenience, empowering you to manage your cash flow and capitalize on opportunities as they arise. Our experienced team will work with you to establish a credit line that aligns with your business objectives, ensuring you have the financial resources to succeed.
benefits of lines of credit
A line of credit gives you access to a predetermined amount of funds that you can draw from as needed
Flexible Access to Funds
Borrow only what you need, when you need it, up to your credit limit, ensuring you have funds available for various business expenses.
Interest-Only Payments
Pay interest only on the amount you draw, helping you manage costs effectively.
Revolving Credit
As you repay the drawn amount, your available credit is replenished, providing ongoing access to funds.
Quick & Easy Access
Access funds quickly through a streamlined process, ensuring you can respond promptly to business needs.
Frequently asked questions
Got a question about how we’re organized, applying to work for us, or looking for financial information?
What types of business funding does Surpass Capital offer?
Surpass Capital provides a variety of business funding options including Merchant Cash Advances (MCA), SBA loans, term loans, equipment financing, and more to meet diverse business needs.
How do I apply for a loan with Surpass Capital?
You can apply for a loan by visiting our website and completing the online application form or by contacting our customer service team for assistance.
What information do I need to provide when applying for a loan?
Typically, you will need to provide basic business information, financial statements, tax returns, and details about your funding needs. Specific requirements may vary based on the type of loan.
What are SBA loans and how can they benefit my business?
SBA loans are partially guaranteed by the U.S. Small Business Administration, offering benefits such as lower down payments, extended repayment terms, and competitive interest rates.
What is a Merchant Cash Advance (MCA)?
An MCA provides an upfront sum of money in exchange for a percentage of your future credit card sales, offering a flexible funding solution without fixed monthly payments.
What are term loans and how do they work?
Term loans provide a lump sum of money that is repaid over a set period with fixed monthly payments, suitable for larger business investments and long-term needs.
What are the typical repayment terms for term loans?
Repayment terms for term loans can range from one to five years or more, depending on the loan amount and specific agreement.
How does equipment financing work?
Equipment financing allows you to borrow money specifically to purchase business-related equipment, with the equipment itself often serving as collateral for the loan.
What types of equipment can be financed?
Most types of business equipment, including machinery, vehicles, computers, and office furniture, can be financed through our equipment financing programs.
What if I have bad credit? Can I still qualify for funding?
Surpass Capital works with businesses of all credit backgrounds. While good credit can improve your loan terms, we offer funding options that consider other factors beyond credit scores.
How can I contact Surpass Capital for more information?
You can reach us by phone, email, or through our website’s contact form. Our team is ready to assist you with any questions and guide you through the application process.
How long does it take to get approved for a loan?
The approval time varies depending on the type of loan and the completeness of your application. Some loans, like MCA, can be approved within days, while SBA loans may take longer due to more detailed requirements.