How It Works

Guaranteed Business Funding – How It Works

At this point, you realize that you need some extra capital to purchase inventory, make payroll, or just simply need extra cash flow. You may have already applied at your local bank and been turned down, or you are just researching other means of extra funding for your small business. The good news is, you came to the right place!

This is how it works – Guaranteed Business Funding is your one-stop-shop provider of alternative lending solutions in one easy place. We do all of the hard work in order to let you concentrate on what you do best – run your business! The following is a breakdown of the loan types we offer.

Funding Types
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Merchant Cash Advance
If your business processes VISA/MasterCard sales, you qualify. This type of funding is based on future sales, not your credit. A funder will normally give you from 30%-200% of your monthly gross sales total up to $500,000. A predetermined payback amount is taken from daily sales, usually from 10-25% of your daily credit card sales totals. Repayment is daily (normally Mon-Fri excluding holidays and is a predetermined percentage of daily credit card sales. With this method of repayment there is no set term to the funding and therefor is not considered a loan rather an advance on future credit card sales. This is great for newer businesses less than 4 months old as the repayment method allows for greater security for the funder.

Unsecured Revenue Business Funding
If you run a cash business or don’t accept credit cards, this type of loan may be for you. This loan program takes into consideration gross income shown through bank deposits, time in business and personal credit. Don’t worry if you have less than perfect credit, our alternative funders help these business owners all the time. An ACH process is utilized for payback over a period of 2-18 months. Due to accounting based on gross deposits, our lenders are able to become more aggressive with their approvals. This is not considered a loan either. This is an advance on future projected earnings.

The Process

The process couldn’t be any easier. We make the process painless by working directly with funders and negotiating the most favorable rates, terms and funding types.

Step 1: Fill out our online application form to receive a call from one of our Agents or call or text 678-810-0752. They will explain the entire process and set your expectations. If you feel comfortable moving forward we will need your last 6 months of bank statements and if you process credit cards (not required for funding) we will need your last 4 months of merchant processing statements.


We will then review your file and determine which funders best suit your needs

• Our proprietary Matching service will take into account multiple factors while comparing funding programs, like:
• • Your industry
  • Time in business
  • Monthly revenues
  • Requested funding amount
  • Requested repayment length
• Once the right funder/s are selected we will submit your file for their review.  They will provide a funding decision in less than 24 hours in most cases.  If approved, some more documents like a copy of a lease or mortgage statement, a drivers license, and a voided check are all that are needed.  At times a lender may request a tax return.  
• Money is deposited into your bank account and your payment schedule will start as agreed upon with the funder in just days.
• Any further questions, you can always call your Loan Agent at Guaranteed Business Funding. We are here to help!

This all happens in 24-48 hours! It is that simple!

Benefits of our Funders Products

Unlike traditional commercial or bank loans, our funding partners offer legitimate alternatives. Banks require mass amounts of paperwork and make you jump through hoops to apply. The loan approval rate as of February 2013 from a bank is not more than 15% of all small business loan applications received. Not only that but it can take weeks, if not months, to approve you. Our funders approval rate is 98.65%+. The list of features and benefits of our program is as follows:

1. Guaranteed funding offer with Application Fee paid*
2. Receive up to $500,000
3. Quick Funding in Hours/Days
4. No Monthly Bills to Pay – Small Daily %
5. Perfect Credit Not Required
6. No Need to Process Credit Cards
7. No Hidden or Late Fees
8. No Collateral or Personal Guarantee
9. No Tax Returns Required (some lenders may require a tax return if funding over $50K)
10. 1 Point of Contact for Multiple Quotes
11. Renewals Available if Needed
12. 2 – 18 Month Repayment structures (determined by the funder)
13. Use the Money How You Want

What To Expect From Alternative Financing

​Guaranteed Business Funding strives to be 100% transparent when presenting ourselves and our service. If you are a small business in need of funding going to your bank is always the best thing to do first. A traditional bank loan will always offer the very best rates and terms. But, when turned down by a bank for any reason Alternative Financing is a viable option. The following should be expected when entering the alternative financing space for a small business funding:
Higher rates – expect to pay 3% to 7% rates (per month) unless you have great credit, then it can be less
Terms – Expect payment time to be between 2 to 18 months
Hold-backs – If you receive a Merchant Cash Advance expect to have about 10 to 25% of your daily credit card revenue withheld each day
Repayments – these funding's are repaid daily. That is, either through a holdback of credit card revenue or a daily ACH from your bank account
Average Deal – The average deal will is $20,000 in funding, with a payment period over 5 months. Your deal can be more or less money and and allow for a much longer or shorter payment length.

If you have any further questions, please feel free to visit our Q&A page or call us at 678-810-0752

​To see how much capital your company can receive, apply for a small business funding today and get your funding in as little as 48 hours*.

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