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15 years funding American small business
Credit Point Advance has been putting working capital into U.S. small businesses since 2011 — the ones traditional lenders look past.
Our approach
A score is a summary. We prefer the evidence.
Most owners who come to us have already been turned down somewhere that never looked past a three-digit number.
We start from the opposite end: how much revenue actually moves through the account, how long the business has been trading, and how it has handled what it already owes. That is a far better predictor than a score, and it is why we can consider all credit types.
It also means we say no sometimes. Considering every credit type is not the same as approving every application, and we would rather tell you plainly than string it out.
What we hold to
Four commitments
The whole business, not one number
All credit types considered. We read revenue, time trading and payment history before we read a score.
One rate, stated plainly
A single factor rate or a fixed monthly figure. No hidden fees and no prepayment penalties.
Nothing of yours on the line
No collateral on an advance or a revenue-based facility. Your personal property stays out of it.
A person, start to finish
The same contact runs your file through funding and is there at renewal.
Find us
Lower Fifth Avenue, New York
Our desks work from 2 5th Ave, New York. Email during business hours and you reach a person, not a queue.
Who we fund
Restaurants, retail, auto, trades, services
If you have been trading around six months, take roughly $15,000 a month and run it through a business account, there is very likely a structure here that fits.
- Trading six months or longer.
- Around $15,000 a month in revenue or more.
- Registered and trading in the United States.
- An active business bank account in the company’s name.
Next step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.