Lending products to help you manage cash flow & prepare for new opportunities
Our obsession is growing your bottom line! We help grow your bottom line by assuring you borrow at competitive rates with convenient terms. Finding the right lending product for your business is one of the most important decisions you will do as a business owner.
92% OF BUSINESS OWNERS COME BACK TO BOTTOM LINE ACCESS FOR ALL FUTURE LENDING..THERE’S A REASON WHY
WHAT WE DO
Credit is essential for most businesses to grow, seize opportunities and fill in cash-flow gaps. We will help you dodge credit hurdles such as challenging credit, seasonal droughts, etc and get you access to the right lending product for your business. Our lending specialists are highly trained individuals who will help guide you through different credit options and help match the best products for your business needs and objectives.
Business credit is much more than a fix for cash flow challenges—it’s a strategic tool that successful companies rely on to grow and thrive. To help you better anticipate a future credit need, Bottom Line Access will assist you in creating an action plan to help find lending solutions for your business’ working capital needs.
OUR PRODUCTS
Term Loans: (6-36 month duration)
Term loans help your business with working capital for equipment needs, debt consolidation, etc. Your business receives money to use over a fixed period of time with fixed payments. Term loans work best for purchasing assets that you expect to increase your revenue over an extended period of time. These type of loans with fixed interest rates allow you to predict your payments and can help protect your cash flow while you benefit from the asset.
Line of Credit: (6-12 month duration)
With a line of credit, your business will have working capital and cash available when you need it. Lines of credit provide a pool of money that you can tap as needed, and you pay interest only on the amount you use. It’s a revolving account, so as you pay back what you owe, you may borrow again up to your credit limit. This type of financing is usually used to cover short-term expenses, such as inventory or payroll.
Merchant Cash Advance (3-18 month duration)
A merchant cash advance is not a loan, but rather an advance based on the future revenue or credit card sales of a business. You will repay the advance using a portion of your daily credit card transactions. This type of program is a fast way of obtaining capital based on your businesses future receivables. A merchant can obtain access to hard cash in a fast manner for a higher cost.
Invoice Factoring (1-12 week duration)
This type of program purchases accounts receivable you’re owed and takes the worrying out of collecting from your clients. We pay upfront, a percentage of the outstanding invoice amount. We take full responsibility in collecting the full amount. We advance the difference back to you minus the agreed upon amount, the moment the full amount has been collected. Your clients then deal with us to make their payments.
OUR PROCESS
STEP 1
(Submitting application)
A decision is made with a simple 1 page application, 3 most recent bank statements and a brief conversation with our lending experts. Our lending experts will create an action plan to improve your bottom line, provide financial footing and build a compelling case to lenders. Our clients remain loyal to Bottom Line Access because we care about the future of your business.
STEP 2
(Customizing the right fit)
Our lending experts work diligently in matching your financial needs with the best lending product for your business. In step 2, your lending expert will start a process of negotiation in order to secure the best option for your business. You will receive a formal offer with the rates and terms. Remember, the growth of your bottomline is our main goal.
STEP 3
(Ready to Fund)
We are ready to deposit the funds! An ACH or wire transfer is processed to your business bank account. Our experts are always here to help! We love to be social and keep in touch! We focus on building great and long lasting relationships with business owners we help. We accomplish this by providing a phenomenal customer experience and most importantly by helping grow your Bottom Line!
When it comes to running any successful business, cash flow is key. That’s why we’re dedicated to delivering Fast & Easy lending tailored specifically to your business. We have become an industry favorite! When Banks say NO, we say YES!
“92% of Business Owners come back to Bottom Line Access for all future lending..there’s a reason why”
Here are a few of many advantages of working with us
OUR PARTNER PROGRAM
Why partner with Bottom Line Access? You’ll close more deals!
At Bottom Line Access we believe teamwork divides the task and multiplies the success. Together we can accomplish more. With a partnership program where our customers’ satisfaction comes first, we have found building relationships with others easier than ever. Our dedication to putting customers first has made fast approvals, competitive offers, and fast funding a reality.
Partner with us and instantly expand your reach and grow your business. Whether your focus lies in small business loans, advances, equipment financing, etc. it is our aim to be the one-stop shop for merchants searching for all types of loans.
OUR CUSTOMERS:
IN THEIR OWN WORDS
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