Split Funding - Excel Capital Management
108 Greenwich St., 5th Fl New York, NY 10006
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Split Funding

Split Funding and How It Works Split Funding also known as Merchant Cash Advances are a flexible, “cash-flow friendly” way to access small business capital. They are alternative financing products for small businesses that work particularly well for businesses whose owners value having the amount they remit fluctuate with their daily payment card receivables. Instead of sending a large amount once a month, a flat percentage of your business’s credit and debit card sales are automatically remitted daily. A larger amount is sent on busy sales days than on slow days. The process stops automatically when your financing is repaid in full. Specific credit and signature debit card brands included in the payment will vary by card processor.

What Makes a Split Funding Unique

  • No personal collateral is needed
  • A stellar credit history is not required to qualify
  • There are no checks to write
  • On a slow day your business remits less; on a busy day it remits more
  • Loans for small businesses made easy: remittances are made automatically through processing credit and debit card sales—you can remain 100% focused on growing the business
  • There is no maturity date and there are no fixed payment amounts
  • It is quick and easy when compared to other small business capital funding options such as a traditional loan. Get access to funds in as little as 3 business days.*
  • Use our quick and easy online application to get access to Split Funding without all the hassle.
  What is Needed to Qualify for Split Funding?
  • At least 2 months of operating history
  • $7,500 or more of monthly credit card sales
  • Documented gross monthly sales of $10,000 or more
  • No open bankruptcies allowed
  • Startups are usually ineligible for Split Funding, but can qualify for this product
  • For approval, all you need to do is complete an application and send it back with 3 months of bank and credit card statements
  What are the Pros of Split Funding?
  • Their is no set repayment schedule so you pay at the pace of your business without strict penalties for late payments
  • No minimum or maximum funding amounts
  • Approvals in 24 – 48 hours
  • Funding in as little as 48 hours
  • No personal guarantee
  • No collateral needed
  • No strict credit requirements
  • Can be used for cash flow, inventory, equipment, expansion or anything else related to the business
  • Can be refinanced quickly for quick access to additional capital
**After You Are Approved, Additional Documentation May Be Required Before Funding – Click Here For A List of Possible Requested Items**  

See what your business qualifies for

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