ACCOUNTS RECEIVABLE FUNDING We lend up to 90% of accounts receivables, at rates from 0.50%, with the specific rate determined partly by credit, and capacity to pay invoices. Unlock working capital from accounts receivables with financing, on both a recourse and non-recourse basis. Receivable’s finance is a tool used to free up working capital tied...Read More

REVENUE BASED CASH ADVANCE  We provide RBCA amounts from $5,000 – $1,000,000 with terms between 6 – 60 Months, at rates between 1.14 – 1.50% interest. Originally, revenue-based loans / Merchant Cash Advance were designed as a lump-sum payment for businesses in exchange for a specific percentage of future sales. Now, RBCA are more commonly...Read More

MERCHANT CASH ADVANCE   We offer MCAs from $5,000 – $1,000,000, with 6 – 60 Month terms, + 1.14 – 1.50% interest rates. Qualifications: MCA loans requires $100,000 annual revenue, 1 year in business, and a minimum + 600 Credit Score.    Both our merchant cash advance and revenue-based funding are accessible to businesses with less-than-perfect...Read More

EQUIPMENT FINANCING Quick Loan offers competitive rates, flexible terms, simplified application process and quick decisions on credit requests. SBA Express options may be available for newer businesses or start-ups. With loans up to $250,000, the loan must be secured with the equipment you purchase as collateral. Up to $500,000 Finance up to 125% with soft...Read More

AGENCY LENDING We provide consultative guidance on the right financial solutions to help agents and brokers grow their business.  Through our parent company Millennium Management. Obtain access to our full suite of financial solutions, including premium financing. We offer an inclusive platform with tools that help agencies run and grow.   We offer Flexible Lending and...Read More

COMMERCIAL CONTRACTOR CREDIT We fund between $5,000 to $1,000,000 in Commercial Credit Lending for Professional Contractors with a variety of credit options for our professional contractors and repair/remodel customers including in-house accounts managed by Millennium Capital and a private-label credit card managed by Synchrony Bank that’s accepted at all McCoy’s locations. Net 10 Credit is...Read More

INVENTORY FINANCING We provide revolving credit lines facilities of $500,000 to $5,000,000 backed by assets. Inventory Financing allows businesses to use inventory as collateral for purchasing additional inventory or to help with seasonal fluctuations in cash flow and other situations. Stand-alone Inventory lines of credit are good for businesses that don’t meet the traditionally underwriting...Read More

BRIDGE FINANCING We offer loans at 80% combined LTV up to $5,000,000. Bridge loans are also known as interim, gap, or swing loans. Bridge loans bridge the gap during times when financing is needed but not yet available. Businesses use bridge loans because they can be customized for different situations but are mainly used until...Read More

CMBS LENDING We offer $2-5M Initial Funding, with 5, 7, or 10-year terms. Interest rates range between 4-5% as determined by underwriting parameters, with amounts up to 75% LTV.   CMBS loans are used to buy commercial real estate buildings like multifamily living communities, office buildings, or warehouses. The fixed interest rates are generally based on...Read More

WORKING CAPITAL Access loan amounts from $1K to $250K, at 1.5% to 10% Interest Monthly, or 13.99% APR, with 6 to 12-month terms. Eligibility requires six months business history, $50k minimum annual revenue, and a minimum 680 Credit Score. Working capital lines of credit allow businesses borrow up to a percentage of the working capital...Read More