Small business loans

Our Minimum Qualifications Help You Obtain
Small Business Loans Fast!

Small business loans

Our Minimum Qualifications
Are To Help You Obtain
Small Business Loans Fast!

Our process is simple, definite,
and complete. With us, you are
never in the dark.

How to Apply for Small Business Loans

BitX Capital offers a faster and simpler financing experience, empowering you to achieve your financial goals and dreams. Join us today and take control of your financial future with ease and convenience.

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We connect you with loan choices from our extensive network of over 75 lenders. Plus, our dedicated funding manager is here to assist you in evaluating the advantages and disadvantages of each option.

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After your approval, you can gain access to your funds in as little as 24 hours.

Todd Rowe President

Why Bitx

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$ 2 + Million
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Maximum Loan Amount
$5k – $500K

Loan Term
3 to 24 Months

Interest Rates
Cents on the Dollar

Speed
As fast as 24 hours

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Small Business Loans
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Small Business Loan Options

Short-Term Loans

BitX Capital is a financial company that offers short-term business loans to small and medium-sized businesses. These loans are intended to provide companies with a small amount of capital to meet their immediate financial needs. The terms of these loans are generally twenty-four months or less, and the application process is typically faster and simpler than for long-term loans. Interest rates for short-term loans may be higher than for long-term loans, but they can be a useful financial tool for businesses facing temporary cash flow issues or unexpected expenses.

BitX Capital serves as a financial firm extending short-term business loans to small and medium-sized enterprises. These loans specifically cater to swiftly address immediate financial requisites. Generally spanning twenty-four months or less, these loans involve a streamlined application process, differing from the more intricate long-term counterparts. Despite potentially higher interest rates compared to their long-term counterparts, short-term loans can prove invaluable for businesses encountering momentary cash flow challenges or unforeseen expenditures.

When it comes to small short-term loans, BitX Capital emerges as a key player among short-term loan companies. The company facilitates the availability of short-term loans online, enabling businesses to access capital promptly without prolonged delays. Furthermore, BitX Capital stands out among short-term loan lenders, exemplifying efficiency and reliability in providing financial assistance.

The concept of instant short-term personal loans takes form through BitX Capital's seamless processes. With an emphasis on expediency, the application process for these loans is designed to be efficient and user-friendly. This is a notable departure from the often intricate procedures associated with long-term loans. Businesses in need of immediate financial solutions can turn to BitX Capital for support.

Transitioning into the practical benefits, these short-term loans can function as a financial lifeline. They offer a practical way to address temporary cash flow constraints or sudden financial demands. Even though the interest rates might be slightly elevated compared to long-term loans, the accessibility, and speed at which these loans can be secured compensate for the cost.

In essence, BitX Capital emerges as a reliable source for short-term business loans, operating within the sphere of small and medium-sized enterprises. The emphasis on quick, hassle-free processes facilitates the acquisition of much-needed capital. While interest rates might be marginally higher, the advantages of immediate access to funds outweigh the costs for companies navigating the intricacies of their financial landscape.

Maximum Loan Amount
$5k – $500K

Loan Term
3 to 24 Months

Interest Rates
Cents on the Dollar

Speed
As fast as 24 hours

Merchant Cash Advances

A merchant cash advance (MCA), also known as a business cash advance, is a quick and easy method to receive cash through your future credit card sales instead of personal or business assets. MCA is not a loan; it’s an advance requiring minimal underwriting, and the cash is delivered to the borrower’s account as fast as 24 hours.

A merchant cash advance (MCA), also referred to as a business cash advance, offers a convenient avenue to secure rapid funding without relying on personal or business assets. This financial tool has gained popularity among small business owners due to its seamless application process and numerous benefits. Let's delve deeper into its advantages.

Quick Access to Capital: One of the most significant benefits of an MCA is its swift access to capital. Traditional loans can involve lengthy approval processes, whereas an MCA can provide funds within as little as 24 hours. This speed is crucial for small businesses facing urgent financial needs, enabling them to seize growth opportunities or address unexpected expenses promptly.

No Collateral Required: Unlike conventional loans that often demand collateral, an MCA doesn't require borrowers to pledge assets. This reduces the risk for business owners who might be hesitant to put personal or business assets on the line. This feature opens up funding opportunities for businesses that lack substantial assets to secure traditional loans.

Flexible Repayment: Merchant cash advances feature a repayment structure that aligns with a business's cash flow. Repayments are tied to a percentage of future credit card sales, which means that during slower sales periods, the repayment amount adjusts accordingly. This flexibility ensures that businesses aren't burdened with fixed monthly payments that can strain their finances.

No Fixed Monthly Payments: Traditional loans typically come with fixed monthly payments that can be challenging to manage, especially for small business merchant loans with variable income. With an MCA, there are no fixed monthly payments. Instead, payments fluctuate based on the volume of credit card sales, making it easier for businesses to manage their cash flow.

Simple Application Process: Applying for a merchant cash advance is a straightforward process compared to traditional loan applications. The streamlined application typically requires basic business information, recent credit card processing statements, and bank statements. This simplicity saves business owners valuable time and reduces the administrative burden.

No Interest Rate, No Fixed Term: Unlike loans, which involve interest payments over a fixed term, an MCA operates on a factor rate. This rate remains constant throughout the repayment period, making it easier for business owners to anticipate their total repayment amount. Additionally, there's no fixed term for repayment, as it's based on a percentage of future sales.

In conclusion, a merchant cash advance presents a compelling option for small businesses seeking rapid funding without the hassles associated with traditional loans. Its benefits, including quick access to capital, no collateral requirement, flexible repayment, absence of fixed monthly payments, a simple application process, and predictable repayment terms, make it a favorable choice for entrepreneurs looking to fuel their business growth. Whether it's for seizing opportunities, managing cash flow, or addressing unexpected expenses, an MCA can be a valuable tool in a business owner's financial toolkit.

Maximum Loan Amount
$5k – $5M

Loan Term
3 to 24 Months

Interest Rates
Cents on the Dollar

Speed
As fast as 24 hours

Mid-Term Business Loans

A mid-term loan is a type of financial product that has a repayment period of one to five years and is typically used for business expansion, purchasing equipment or real estate, or consolidating debt. BitX Capital offers mid-term loans to small and medium-sized businesses. Our loan terms and repayment plans can be customized to fit the needs of each business.

BitX Capital specializes in offering flexible mid-term business loans to small and medium-sized enterprises (SMEs). These loans, with a repayment period ranging from one to five years, serve as versatile financial solutions for various purposes. From business expansion and equipment or real estate acquisitions to debt consolidation, our loans cater to the diverse needs of SMEs.

Our commitment to supporting SMEs is evident through our tailored loan terms and repayment plans. We understand that every business has unique requirements. Thus, we customize our offerings to align with the specific needs of each enterprise. This personalized approach sets us apart and ensures that our clients receive the financial assistance they require without the burden of rigid terms.

With our mid-term small business loans, you can effectively manage your working capital. This helps you maintain liquidity, meet operational demands, and seize growth opportunities as they arise. Whether you need to invest in assets, expand your operations, or bolster your inventory, BitX Capital's loans provide the financial foundation you need to achieve your goals.

By opting for our medium-term loans, you gain more than just immediate financial support. You also pave the way for building a robust credit history. Timely repayments on our loans demonstrate your creditworthiness and responsible financial management, which can prove invaluable for your future borrowing needs.

Predictable payments are another advantage that comes with our mid-term loans. With clearly defined repayment schedules, you can plan your finances more effectively and avoid unexpected financial stress. This stability allows you to focus on growing your business and seizing new opportunities.

Incorporating transition words, we offer mid-term small business loans that are customized to your needs. With benefits such as flexible repayment terms, working capital support, and the potential for business expansion and growth, our loans serve as a strategic investment in your success.

Furthermore, they empower you to invest in essential assets and build a solid credit history. With predictable payments, you can confidently steer your business toward a prosperous future. Choose BitX Capital for your mid-term business loan needs and experience financial solutions designed with your business in mind.

Maximum Loan Amount
$25k – $500K

Loan Term
1 - 5 years

Interest Rates
As low as 6 %

Speed
7 days

SBA 7a Loans

SBA 7a loans offer very competitive interest rates and flexible repayment options. The SBA 7a Loans Program, SBA’s most common loan program, includes financial help for small businesses with special requirements such as working capital, refinancing current debts, purchasing inventory, and acquiring a business. 

SBA 7a loans, known as the cornerstone of small business financing, offer exceptional advantages for businesses seeking growth. With competitive interest rates and adaptable repayment choices, the SBA 7a business loan program stands out.

The SBA 7a loans for small businesses provide the flexibility required for various needs. Commercial small business loans under the SBA 7a financing umbrella cater to special requirements like working capital, debt refinancing, inventory purchase, and business acquisition. This program supports startups, new businesses, and specialized enterprises, fostering inclusivity.

One of the standout benefits is the lower down payment requirement, easing the financial burden for small businesses. Additionally, longer repayment terms grant breathing room for borrowers. Flexible utilization of funds is a unique feature of the SBA 7a small business loan, ensuring resources address specific demands effectively.

Competitive interest rates through SBA 7a financing make repayment manageable. Unlike some other loans, the absence of balloon payments prevents sudden financial strain. The program also promotes job creation, which is pivotal for economic growth, enhancing its significance.

The SBA's partial loan guarantees bolster lender confidence, encouraging support for small businesses. Moreover, this assistance extends to specialized businesses, further demonstrating the program's versatility. The SBA 7a loans for small businesses embrace the diverse needs of enterprises, positioning them for success.

In essence, the SBA 7a business loan program offers not just financial aid, but a comprehensive framework for small businesses to thrive. Its benefits extend across industries, from startups to established enterprises, from debt refinancing to inventory enhancement. With competitive interest rates, extended repayment terms, and adaptable funds usage, this program empowers businesses. 

The SBA 7a financing acts as a catalyst, propelling economic progress, while its partial loan guarantees and lack of balloon payments add security. In the realm of business loans, SBA 7a stands as a supportive partner in the journey of growth and success.

Maximum Loan Amount
$5 Millions

Loan Term
Up to 25 years

Interest Rates
Prime Plus

Speed
90 days

Business Line of Credit

Small Businesses often struggle to get a business line of credit because they don’t meet the criteria that banks or other lenders require. This is where a line of credit comes into play.

A small line of credit allows businesses to obtain financing without going through the lengthy application process associated with term loans. The line of credit offers flexibility and convenience, allowing companies to manage their cash flow and budget effectively.

Small businesses typically face a daunting challenge when seeking a business line of credit due to the stringent criteria set forth by banks and other lenders. This is precisely where the concept of a line of credit steps in to provide a solution.

A small line of credit emerges as an optimal choice, granting businesses access to financing without subjecting them to the protracted application procedures typically tied to term loans. Notably, this line of credit brings with it an array of advantages, including much-needed flexibility and convenience. This financial tool proves instrumental in enabling companies to adeptly manage their cash flow and meticulously budget their resources.

The best small business line of credit is one that seamlessly addresses the multifaceted needs of enterprises. Consider, for instance, the inventory credit line. This invaluable resource caters to the timely requirements of businesses by affording them the opportunity to procure inventory precisely when they require it. In addition, line of credit interest rates, often kept at a reasonable and competitive range of 1-2%, further sweeten the deal.

The finest business line of credit for startups, these benefits can be paramount. The ability to customize repayment schedules according to the ebbs and flows of their revenue stream is an advantage that cannot be overstated. Furthermore, interest is only accrued on the utilized amount, safeguarding the financial interests of the fledgling enterprise. Swift access to funds is another draw card, as it offers a safety net during unforeseen economic challenges.

The advantages extend beyond mere financial conveniences. Establishing a business credit profile becomes feasible as the line of credit is diligently managed. Seasonal businesses, which typically experience revenue fluctuations, find unwavering support through this mechanism. Remarkably, collateral requirements are rendered obsolete, alleviating a significant barrier for many small enterprises. Moreover, credit protection mechanisms are typically interwoven, securing businesses against unexpected downturns.

In a collaborative vein, these lines of credit serve as a bridge to foster relationships with lenders. The symbiotic exchange of trust and financial assistance contributes to the growth trajectory of the business. For those who value the personal touch, institutions like BitX Capital stand as prime examples of entities that forge these meaningful connections.

In conclusion, the best small business line of credit is a multifaceted tool that transcends the conventional boundaries of financing. It empowers businesses with flexibility, bolsters working capital management, and presents a gateway to a host of invaluable benefits. By seamlessly weaving financial prowess with strategic advantages, this line of credit emerges as a linchpin for small business growth and prosperity.

Maximum Loan Amount
$250,000

Loan Term
Revolving

Interest Rates
As low as 4.5%

Speed
As fast as 24 hours

Equipment Financing

If you need to purchase new equipment or want to lease equipment to grow or start your business, BitX provides equipment finance solutions for various industries such as construction, manufacturing, transportation, logistics, healthcare, and others. Our goal is to help you get the equipment you need at affordable rates.

BitX is your solution for equipment financing, whether you're looking to purchase new equipment or lease it. With a focus on assisting businesses across various sectors like construction, manufacturing, transportation, logistics, and healthcare, BitX stands out among equipment leasing companies.

For startups, securing equipment financing is crucial. BitX acknowledges this need and offers startup business equipment financing options, ensuring that even new ventures have the means to acquire the necessary equipment. Similarly, small businesses can benefit from BitX's services, which encompass small business equipment loans as well as equipment funding.

The advantages of choosing BitX are numerous. Firstly, opting for equipment leasing or financing through BitX preserves your capital, enabling you to allocate funds to other crucial areas. Easy budgeting is facilitated, with fixed monthly payments that align with your financial plan. Furthermore, the swiftness of the process grants you quick access to much-needed equipment.

BitX's flexibility shines through its tailored terms. You can decide on terms that suit your business's specific needs, allowing you to operate comfortably. Moreover, there are notable tax benefits to utilizing BitX's services, which can significantly reduce your financial burden.

One of the pitfalls many businesses face is equipment obsolescence. However, by partnering with BitX for equipment financing, you can avoid this issue. Upgrading to the latest equipment becomes feasible, keeping your business competitive. Additionally, your credit lines remain intact, giving you financial leeway in other endeavors.

When considering equipment financing, the minimal down payment required by BitX is an appealing aspect. For startups especially, this characteristic makes the process more attainable. BitX is known for being startup-friendly, recognizing the unique challenges new businesses encounter.

In conclusion, BitX stands out among equipment leasing companies by offering comprehensive solutions for various industries. Their benefits, including capital preservation, easy budgeting, quick equipment access, flexible terms, tax advantages, obsolescence avoidance, preserved credit lines, and minimal down payment, cater to the diverse needs of businesses. Whether you're a startup or a small business, BitX's business equipment financing options provide the support you need to thrive.

Maximum Loan Amount
$250,000 Per

Loan Term
1-5 years

Interest Rates
As Low as 4%

Speed
7 Days

Start-Up Business Loans

The idea of starting your own business is exciting but often comes with a lot of paperwork and uncertainty. BitX Capital understands this, and we’re dedicated to making the loan process as straightforward as possible, especially for start-up owners. Our start-up loans are designed to provide reliable funding solutions that ease the burden of getting off the ground.

Starting your own business is thrilling, yet it often entails paperwork and uncertainty. BitX Capital empathizes with this challenge, striving to simplify the loan process, particularly for start-up proprietors. Our start-up loans offer dependable funding, alleviating initial burdens.

BitX Capital specializes in start-up business loans, catering to entrepreneurs seeking personal loans for business start-ups. Securing start-up capital for a small business becomes seamless with our services, as we provide the best business start-up loans available.

These loans provide a capital injection that fuels business growth. Furthermore, they ensure flexibility, enabling you to navigate the dynamic business landscape. Unlike traditional loans, our approach retains ownership in your hands.

Moreover, our loans contribute to building your credit history. As you repay, you enhance your creditworthiness, which has far-reaching benefits for your business's future financial endeavors.

The significance of working capital cannot be overstated for start-ups. BitX Capital's loans infuse your business with the working capital necessary to maintain day-to-day operations and seize opportunities for expansion.

Talent acquisition, marketing, sales, and product development are vital aspects of start-up success. With BitX Capital's support, you can allocate funds to these areas strategically, promoting overall growth.

Incorporating BitX Capital's expertise guarantees that your business's foundation is solid. Our start-up loans serve as a catalyst, propelling your vision into reality. With a clear understanding of the intricacies, BitX Capital emerges as your trusted partner on this entrepreneurial journey.

Maximum Loan Amount
$25K to $500K

Loan Term
5 - 7 years

Interest Rates
7% - 15%

Speed
As fast 7 Days

Personal Term Loans

Personal term loans for business purposes are the perfect launchpad for small business owners who need funding to bring a new idea to reality. A Short term personal loan online is an excellent option for new companies or existing to get access to capital, as they are easier to qualify for than a business loan. BitX shops for rates and terms with soft credit pulls, and stacks together up to 5 personal term loans to get you up to $500k in liquidity.

Personal term loans serve as the ideal launchpad for small business proprietors seeking funding to actualize innovative concepts. They offer a seamless pathway for both nascent and established enterprises to secure capital, surpassing the accessibility level of business loans. By opting for personal term loans, entrepreneurs simplify the qualification process, a boon for those with nascent ventures.

BitX employs a proactive strategy, scouring rates and terms via soft credit inquiries. The distinctive feature lies in the fusion of up to five personal term loans, amassing a substantial liquidity pool of up to $500k. This aggregation method boosts financial viability, enhancing the prospects of burgeoning businesses.

When it comes to the finest personal term loans for business endeavors, the online realm stands as an invaluable domain. The digital landscape not only expedites the process but also accommodates the manifold advantages of these loans. The primary benefits encompass simplicity, speed, and flexibility, all of which underpin their popularity.

One hallmark trait is the absence of a stringent collateral requirement, a distinctive departure from traditional borrowing norms. This absence not only expedites the process but also caters to the evolving needs of modern business dynamics. Moreover, these loans transcend the confines of a singular purpose, catering to an array of business needs. Whether it's augmenting working capital or initiating expansion endeavors, personal term loans stand as a versatile financial tool.

Another pivotal facet pertains to credit history. The impact of personal term loans on credit history can't be understated. Responsible management bolsters credit profiles, fostering a robust financial trajectory. Furthermore, the accessibility to funding plays a transformative role, injecting much-needed capital to actualize entrepreneurial visions.

What sets personal term loans apart is their departure from the convention of demanding exhaustive business financials. The absence of this requirement expedites the process significantly, aligning with the agility demanded by the modern business landscape.

In summation, personal term loans embody a dynamic solution for small business funding. Their multifaceted advantages, ranging from simplicity to credit history impact, position them as an indispensable resource for entrepreneurs. As the business realm continues to evolve, such flexible and accessible financial instruments become the cornerstone of success.

Maximum Loan Amount
$500K

Loan Term
5-7 years

Interest Rates
On Avg 12%

Speed
7 Days

Credit Card Stacking

Business credit card stacking arranges multiple 0% interest credit cards to maximize your liquidity and spending power. You will get access to more capital than using one credit card or working with one lender. It’s a strategic method that helps pre-revenue companies or industries struggling to access capital receive multiple lines of credit at 0% for 12 to 18 months.

Business credit card stacking, a method employed by credit card stacking companies, strategically organizes multiple 0% interest credit cards. This maximizes liquidity and spending power, enabling access to more capital compared to using one credit card or relying on a single lender. The approach benefits pre-revenue companies and industries struggling for capital access. It provides several lines of credit at 0% interest over 12 to 18 months, facilitating growth during crucial stages.

Credit card stacking for small businesses offers convenience and the potential for lower interest rates. This method, also known as personal credit card stacking, can be utilized by individuals and companies alike. By collaborating with credit card stacking lenders, businesses can optimize their financial structure.

The advantages of business credit card stacking are manifold. Simplified payments, thanks to streamlined debt repayment, enhance financial management. Additionally, this approach aids in building and managing business credit, which can have a positive impact on credit scores. Predictable monthly payments ease budgeting.

One noteworthy player in this domain is BitX Capital. They specialize in assisting pre-revenue companies and struggling industries to gain access to capital through credit card stacking. BitX Capital’s expertise and experience make them a reliable partner in navigating the complexities of credit card stacking for small businesses and larger enterprises alike.

In conclusion, credit card stacking is a powerful strategy that empowers businesses and individuals with increased financial flexibility. It leverages multiple 0% interest credit cards to facilitate access to capital and streamline debt management. By working with credit card stacking companies, businesses can harness the benefits of this method to build credit, manage expenses, and achieve their growth goals. Whether it's personal credit card stacking or business credit card stacking, this approach, exemplified by BitX Capital, offers a comprehensive solution for financial challenges.

Maximum Loan Amount
$5K -100K

Loan Term
Revolving

Interest Rates
0% Industry Rate

Speed
As fast 15 Days

Inventory Financing

When your business is expanding rapidly, it’s important to have the working capital you need to take advantage of new opportunities. But if you’re like most businesses, your inventory is tied up in receivables, which can make it difficult to get the cash you need when you need it. That’s where we come in. BitX Funding offers inventory financing, which allows you to use your inventory as collateral for a revolving line of credit.

When your business expands rapidly, having sufficient working capital is crucial to leverage new opportunities. Most businesses face the challenge of tied-up inventory in receivables, hampering timely cash access. This is where BitX Funding steps in. We offer inventory financing, utilizing your inventory as collateral for a revolving credit line. This innovative Inventory Financing Loan empowers startups with flexible options.

With Startup Inventory Financing, you secure the capital needed for growth. Our Startup Inventory Loan solution caters to your specific needs. For small businesses, Inventory Loans provide agility amidst fluctuating demands. Business Inventory Financing through BitX Capital ensures improved cash flow management.

The advantages are manifold. Effective Working Capital Management becomes achievable. Seasonal Fluctuations no longer impede progress. Your business experiences Enhanced Cash Flow. Rapid Growth and Expansion are within reach. Bulk Purchasing Discounts are now accessible. Diversifying your product range becomes feasible. Flexibility defines your operations. Credit Availability sees a boost through BitX Capital.

As your business rapidly expands, securing essential working capital becomes pivotal. New opportunities demand financial flexibility. However, for most businesses, inventory is tied up in receivables obstructs immediate cash access. This is precisely where our role comes into play. BitX Funding introduces Inventory Financing, enabling you to leverage your inventory as collateral and access a revolving line of credit.

The power of Inventory Financing Loans materializes twice in our offerings. Startup Inventory Financing happens twice as well. Additionally, Startup Inventory Loan ranges from one to two options. Inventory loans, tailored for small businesses, are available one to two times.

Consider the multitude of benefits. Efficiently manage Working Capital. Seamlessly navigate Seasonal Fluctuations. Witness a tangible boost in Cash Flow. Embrace the potential of Rapid Growth and Expansion. Unlock the advantages of Bulk Purchasing Discounts. Embrace the strategic edge of Product Diversification. Operate with unparalleled Flexibility. Experience heightened Credit Availability through the support of BitX Capital.

Maximum Loan Amount
$500K - $20M

Loan Term
Revolving

Interest Rates
8% - 15%

Speed
As fast 15 Days

Factoring Receivables

The time value of money is real, and if your business is waiting 30, 60, or even 90 days to get paid, you’re missing out on opportunities to invest in your company. Invoice factoring can help bridge the gap between when an invoice is created and when the customer actually pays, providing much-needed cash flow to keep your business running smoothly.

The real significance of the time value of money cannot be ignored. If your business has to wait for 30, 60, or even 90 days to receive payment, you're overlooking chances to invest in your own company. This is where invoice factoring comes into play. It acts as a bridge, addressing the gap between generating an invoice and receiving customer payments. Consequently, essential cash flow is infused to maintain the seamless operation of your business.

Invoice factoring proves especially beneficial for small businesses. It serves as a solution to the challenges posed by delayed payments. Factoring receivables companies and those seeking working capital factoring can benefit substantially from this approach. Not only does it bolster cash flow, but it also reduces the risk of bad debts, enabling you to focus more on your core business activities.

One of the standout advantages of invoice factoring is its ability to offer quick access to funds. This immediate liquidity injection can prove pivotal for businesses, and the best part is that it comes without the burden of additional debt. The flexibility of this financing option further adds to its allure. As your business grows, the factoring arrangement can easily scale to accommodate increasing needs.

For companies with seasonal or cyclical business patterns, invoice factoring becomes a reliable ally. It provides the financial flexibility required to navigate through lean periods without hindering growth opportunities. BitX Capital stands as a trusted partner in this arena, offering tailored solutions to meet the diverse needs of businesses.

To sum up, invoice factoring is a powerful tool to optimize your cash flow, enhance working capital, and minimize the risk of bad debts. Its ability to swiftly provide funds without piling on more debt grants you the freedom to focus on your core operations. With its flexibility and scalability, it accommodates your business's evolving needs, ensuring smooth operations even in fluctuating markets. For companies operating in seasonal or cyclical sectors, BitX Capital's invoice factoring solutions are a valuable resource.

Maximum Loan Amount
Up to 100% on Invoice Value

Loan Term
30/60/90 days

Interest Rates
1.15% - 4.5%

Speed
As fast 5 Days

Businesses that are ready to achieve their goals.

At BitX Capital, we believe in the power of ambition. Our platform is designed to help ambitious individuals and businesses turn their ideas into reality. We believe that with the right resources and support, anyone can achieve their goals and make a positive impact in the world. By providing access to funding and expert guidance, we empower our customers to pursue their dreams and make their ambitions a reality. Join us and let your ambition drive you to success.

Minimum loan requirements for small business loans to succeed and grow.

Find different loans to finance your business or project. Trust research and don’t give up. Keep working hard to succeed. We can help you find the right funding plan. Let’s achieve your goals together.

Credit Score
0 +

With BitX Capital, the credit score prerequisites may differ based on the type of financing and the lending institution. While certain options are accessible for scores in the 500s, having a minimum credit score of 600 will enhance your eligibility for a loan.

Time in Business

Startups

For BitX Capital, if you’re pre-revenue or have no business history, it’s essential to note that different lenders may have varying requirements, ranging from as little as 0 months to as much as 1–2 years. However, as a general guideline, having a business history of at least six months is advisable to enhance your chances of securing funding.

Monthly revenue
$ 0 K+

For BitX Capital, having no revenue is acceptable, but if you’re an established business, a minimum of $8,000 in monthly revenue is required. Please keep in mind that these criteria may vary depending on the lender and the type of loan.

Customer Reviews

BitX is bonded and insured

We are backed by cybersecurity, protecting you against any mishap. You can trust us with your data; we’ve got it encrypted.

BitX comes from experience

The staff assisting you throughout is well-trained and grounded in the best banking practices. BitX has, after all, emerged from problems as a solution.

BitX is trusted, safe, and secure

We have a broker’s license, bank-level encryption, multi-factor authentication, and cloud-based enterprise-level infrastructure.

BitX is ever-evolving

We’re associated with lender associations, keeping up with the latest trends and growing with each experience.

Small business loan specialists are available 6 days a week

BitX Capital supports small businesses by providing funding to help them achieve their goals. Our experienced loan specialists will guide you through the process and provide the resources needed to take your business to the next level. Don’t let a lack of capital hold you back – reach out to us today and take the first step towards transforming your business. We’re committed to your success and are excited to see what you’ll achieve with our support.

Small Business Loan FAQs

A Small Business Loan (SMB or SME loan) is a financial tool designed to provide capital to small and medium-sized businesses. It helps cover expenses like startup costs, working capital, equipment purchases, and more. Small business loans come in various types, including term loans, lines of credit, SBA 7a loans, and others, each tailored to different needs. Qualification criteria vary among lenders but often consider factors like creditworthiness, revenue, and business history. These loans can be vital for business growth, but borrowers should carefully assess their needs and obligations to use the funds effectively and sustainably.

Secured business loans require collateral, like assets or property, which the lender can claim if the borrower defaults. These loans typically have lower interest rates and higher borrowing limits. Unsecured business loans, on the other hand, don’t require collateral but often come with higher interest rates and lower borrowing limits. The choice between them depends on your willingness to offer collateral and your creditworthiness. Secured loans provide more security for the lender, while unsecured loans are riskier for borrowers but don’t put assets at stake.

Small business loans provide funds to cover various business needs. The process involves applying to a lender, specifying the loan purpose, and providing necessary documentation. Lenders assess your creditworthiness, revenue, and business history to determine eligibility and loan terms. Once approved, you receive a lump sum or line of credit to use for your business. You’ll repay the loan with interest over a set period, following a schedule agreed upon with the lender. The loan terms, interest rates, and repayment schedules vary depending on the lender and loan type, so it’s essential to understand these terms before borrowing.

BitX Capital offers a diverse range of small business financing options tailored to various needs. These include:

  1. Small Business Loans: Traditional loans for general business expenses.
  2. Short-Term Loans: Fast financing with shorter repayment terms.
  3. Merchant Cash Advance: Funding based on future credit card sales.
  4. Mid-Term Business Loans: Medium-term financing for expansion or projects.
  5. SBA 7a Loans: Government-backed loans with favorable terms.
  6. Business Lines of Credit: Flexible credit lines for ongoing expenses.
  7. Equipment Financing: Funds to purchase or lease equipment.
  8. Startup Business Loans: Capital for new businesses.
  9. 0% Business Credit Card Stacking: Utilizing multiple credit cards for funding.
  10. Personal Term Loan Stacking: Combining personal loans for business use.
  11. Inventory Financing: Financing for inventory purchases.
  12. Factoring Receivables or Invoice Financing: Advances based on outstanding invoices.

These options allow businesses to find the right financial solution for their specific goals.

Yes, it’s possible to secure a business loan with bad credit, but it may be more challenging. Many lenders offer options like alternative or online lenders, which consider factors beyond credit scores. You may need to provide collateral, a co-signer, or a solid business plan. Interest rates may be higher, and loan terms less favorable. Building business credit and improving your personal credit score over time can help access better financing opportunities. Exploring various lenders and loan types can increase your chances of finding a suitable option despite a low credit score.

If your loan applications are denied, take these steps:

  1. Understand the Reason: Ask the lender why you were rejected to address specific issues.

  2. Check Your Credit Report: Ensure accuracy and work on improving your credit score.

  3. Review Finances: Assess your financial situation and business plan for potential weaknesses.

  4. Explore Other Options: Seek alternative lenders, consider co-signers, or apply for different loan types.

  5. Build Credit: Focus on improving creditworthiness over time by paying bills on time and reducing debt.

  6. Seek Expert Advice: Consult with financial advisors or credit counselors for guidance.

  7. Be Patient: Reapply when you’ve addressed issues that led to rejection.