Business Financial Services has provided thousands of small business owners with working capital since 2000. All retail, service and restaurant owners find themselves needing capital to grow and manage their businesses. At times, these businesses are unlikely to obtain a commercial loan from financial resources because of unacceptable debt to income ratios or low personal or business credit scores.

This is when BFS steps in. We use the "real-time assets", the customers of the merchant to provide funding. A healthy business can rely on the fact that their customers will continue to spend money at their establishments. BFS provides an advance on those sales.

A business owner can qualify for a Business Cash Advance of up to $200,000.

Unlike a small business loan a Business Cash Advance has no upfront fees, closing costs or loss of equity.

Businesses can use the funds for: