Working Capital

Small business financing does not have to be complicated

Applying for business financing can be time-consuming and may even require a lot of effort into researching the differences between financing types and terms, turning finding the right working capital loan into a task that takes you away from your business. Sometimes a quick need for working capital with the wrong company often comes with a steep price tag. That means being saddled with loan terms that do not reflect how your small business is growing and changing, while also putting more work on your plate.

Penn Commercial Capital offers funding from $5,000 to $500,000 with terms from 6 months up to 24 months, fixed daily, weekly or monthly payments, and no prepayment penalties. These terms reflect the needs of your business, both to be able to access affordable capital and also loan terms that can adapt to the highs and lows of your business. Better yet, the entire process – from start to finish – can get you the cash you need to be funded in as little as 1 day. That means your small business does not have to wait for the funds necessary to cover overhead or to help your business pivot in a changing economic climate.

Affordable and transparent pricing

One of the biggest challenges facing small businesses today is that they need a responsive underwriting process and affordable rates. While commercial business lending traditionally reflects more traditional underwriting processes and rates, our team works to make the process seamless and have an underwriting process that maximizes the benefits for your small business.

Our customers can expect a straightforward and transparent process from our knowledgeable and skilled professionals. For years, we have focused on assisting small businesses and understanding their unique challenges, then customizing financing options. With that in mind, your experience with our financing team includes:

• The expertise to guide and assist applicants, because we have years of experience working with a variety of small businesses.
• No hidden fees or complex pricing schemes! You will be able to see the financial impact for your business before you finalize your loan.
• The convenience of being able to fully apply from their home or office, making it a more efficient and streamlined process.
• A quick and personalized response. You can even find out if you are prequalified for business financing by answering four simple questions. That means you won’t waste time gathering paperwork, only to be denied funding.
• An understanding that we will show you your deal (including all of the working capital financing programs you’re qualified for) before pulling your credit!

We also pride ourselves on the long-term relationships we have developed with many of our clients. Our team understands that you are making decisions for the well-being of your small business, both now and into the future. With that in mind, we want to make sure that you find the right terms to fit your needs. We share in and celebrate their successes and growth. Our business is helping your business and often to meet those goals, you need working capital that is flexible to meet your business where it is right now. We also want to be a partner in your small business’ future, so our team is not just focused on what you need right now, but what you will need as your business grows in the future. Penn Commercial Capital can serve as a strong partner in your business’s path to success!