Funding Services
Strategic Capital Solutions for Growing Businesses
Working Capital Loans
Flexible working capital financing designed to fuel day-to-day operations, manage cash flow gaps, and seize time-sensitive opportunities. Our working capital solutions provide the liquidity you need without restrictive covenants or equity dilution.
- Funding amounts: $10,000 to $500,000+
- Fast approval: decisions within 24-48 hours
- Flexible repayment terms aligned with your revenue cycle
- No collateral required for qualified businesses
- Use funds for inventory, payroll, marketing, or operational expenses
Ideal For:
E-commerce businesses managing inventory cycles, service companies bridging receivables gaps, and seasonal businesses preparing for peak demand periods.
Revenue-Based Financing
Innovative financing structure where repayment scales with your revenue. During strong sales periods, you pay more; during slower months, payments adjust downward automatically. This aligns our success with yours.
- Repayment tied to percentage of daily or weekly revenue
- No fixed monthly payments — flexible based on performance
- Ideal for businesses with predictable recurring revenue
- Fast funding based on revenue analytics and transaction data
- No personal guarantees for qualified SaaS and subscription businesses
Ideal For:
SaaS companies, subscription services, membership platforms, and businesses with consistent monthly recurring revenue (MRR).
Short-Term Business Financing
Rapid-deployment capital for urgent business needs. When traditional bank loans take too long, our short-term financing delivers funds in days, not weeks. Perfect for bridging temporary gaps or capitalizing on immediate opportunities.
- Funding in as little as 24 hours
- Terms from 3 to 18 months
- Streamlined application with minimal documentation
- Approval based on business performance, not just credit scores
- Transparent pricing with no hidden fees
Ideal For:
Emergency equipment repairs, time-sensitive inventory purchases, urgent marketing campaigns, and bridging receivables during growth phases.
Equipment Financing
Acquire the equipment your business needs without depleting working capital. We finance new and used equipment across industries, with flexible payment structures and competitive rates.
- Finance up to 100% of equipment cost
- New and used equipment eligible
- Equipment serves as collateral, preserving other assets
- Terms up to 5 years depending on equipment life
- Tax benefits: potential Section 179 deductions
Ideal For:
Manufacturers, contractors, medical offices, restaurants, technology firms, and any business requiring specialized machinery or vehicles.
Invoice Financing
Convert outstanding invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customer payments, access up to 90% of invoice value within 24 hours. Maintain cash flow without taking on traditional debt.
- Advance up to 90% of invoice value immediately
- No debt on your balance sheet — it's an advance, not a loan
- We collect payment directly from your customers
- Ideal for B2B companies with net-30 or longer payment terms
- Scale funding as your invoices grow
Ideal For:
Staffing agencies, distributors, wholesalers, consultants, and service providers working with corporate clients on extended payment terms.
Business Expansion Funding
Scale your business with strategic growth capital. Whether opening new locations, launching product lines, or entering new markets, our expansion funding provides the resources to execute your vision.
- Larger funding amounts for qualified growth initiatives
- Longer repayment terms for sustainable growth
- Partner with experienced advisors who understand scaling challenges
- Milestone-based funding releases aligned with project phases
- Flexible structures including equity alternatives
Ideal For:
Established businesses with proven models ready to scale, franchisees opening additional units, and companies pursuing strategic acquisitions.
Fintech Bridge Loans
Specialized short-term financing for fintech startups and digital platforms awaiting institutional funding, regulatory approvals, or major product launches. Bridge the gap between rounds with smart capital.
- Fast deployment for time-sensitive fintech opportunities
- Convertible note structures available
- Terms from 6 to 24 months
- Industry expertise in payments, lending, crypto, and financial software
- Network introductions to VCs and institutional partners
Ideal For:
Pre-Series A fintech companies, payment processors awaiting licenses, blockchain projects nearing mainnet launch, and financial platforms scaling user acquisition.
Ready to Unlock Funding?
Contact Premium Merchant Funding 18 LLC today to discuss which financing solution aligns with your strategic goals.