Business Viability

The viability of a business is measured by its long-term survival and its ability to sustain profits over a period of time

Business Loans That Grow Your Business

Maintaining cash flow and having quick access to cash when you need it is the key to business success. But getting that access to cash can be a problem.  You put your heart and soul into building your business, but this has left some scars along the way. The banks don’t understand that, in fact they don’t understand small business. There are alternatives to get the cash you need and there are ways to program you business to get banks to see your business as a viable entity.

At Business Viability Solutions we can get you the financing you need now, and work to get you the financing you need in the future.  We take care of all the busy work while you stay busy working to grow your business.

98% Approval Ratio


the other 2% we work with to get Approved within a short period of time. 


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Merchant Cash Advance

This is not a typical loan, it is really an advance of funds for future sales. This could be based on credit card sales, cash sales, or a combination of both. Funding amounts vary based on risk and typically ranges from 50-125% of monthly deposits, with payments that are based on a factor rate.  Easy to qualify….

  • Credit Scores down  to 400
  • Minimum Monthly Volume  15k
  • Minimum 3 months in business
  • Tax Liens & Judgements -ok

Approval in 24 hours with money deposited directly into your business account.

Payments are taken directly from your account which represents a small percentage of your daily sales. These payments can be daily or weekly.

Equipment Leasing

Equipment leasing is a way to maintain your cash and get the equipment you need to grow your business. Programs are available with 0%, low rates and flexible terms. These leasing programs can be used for new or used equipment and from a vendor of your choice. Easy qualifications include a credit score down to 550, affordability based on monthly deposits and a single page application.

For any business purpose……

  • Equipment / Machinery
  • Vehicles
  • Furniture
  • Computes, software and Tech items
  • Medical
  •  Construction
  • and much more..

Other Business Loans

Business Loans


Business Lines of Credit

The above mentioned types are financing that requires moderate qualification process. The process includes business tax returns that must show profitability along with business viability and  a high bank account credit rating, typically disqualifying a majority of small businesses. A bank or lender reviewing viability, is the review of business credit and other points of interest that the lenders and banks review to see that your business is credible. One of the reasons for bank turndowns is the lack of business credit, but they will never provide you the reason for the decline. 

As part of our process is to help you develop this area of your business, which allows you to easily get financing at low rates.  

Alternative Cash Advance

This is a step above the typical cash advance. Although your volume of deposits are considered it is more heavily based on affordability, which allows for higher loan amounts. Monthly payments and up to a 10 year terms, allows you to manage your money more exclusively. Easy to qualify…….

  • Credit Scores down to 500
  • No minimum Volume
  • Minimum 3 months in business
  • Daily and ending balances considered for approval

Approval and money deposited directly into your business account.

Payments are automatically withdrawn from business account each month, as a fixed amount.

Purchase and Receivable Factoring

Whether you are looking for money to complete a customers project or to get the money you need from outstanding receivables our factoring programs can provide you the cash flow you need to complete more projects and keep the cash flowing as your business requires. Unlike other financing programs, weight is not only laid upon you but also on the credibility of your client.

Many manufacturing, service and other types of business are able to obtain up to 100% of the cash needed to complete the order and up to 90% of their receivables. 

Stop waiting 30-60-90 days to get paid, receivable factoring will get you your money Now. 

Don’t lose a job because of the lack of cash, purchase factoring will build your business.

Items Needed for Financing

For Cash Advance, Factoring and Equipment Financing & Lines of Credit

  • Simple 1 Page Application
  • 3 Months Recent Business Bank Statements
  • Ownership Articles
  • Photo ID
  • Voided Business Check

For SBA, Business Loans and Business Lines of Credit

2-3 Years Business Tax Returns (no loses)

4 Months Bank Statements (no NSf’s & High Balances

2 Years personal tax returns*

High Credit Score*

Business Credit*

2 Years in Business

Notes: the items with the asterisk may be required by many lenders, especially if there is no acceptable business credit established. Especially with SBA loans, which rely on high personal credit and profitability. 



Don’t Trust Your Business To Just Anyone.

There are many options and programs that will help you grow your business and reach your goals. At Business Viability Solutions we have helped hundreds of businesses owners build there Viability and grow there business and surpass their goals.

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Let Us Handle Your Back Office

Services That Build Viability While saving You Money

  • Prompt Billing & Collections
  • Accurate Record Keeping
  • Build Business Credit
  • Discounted Funding and Cash Flow
  • Enhanced Vendor and Creditor Negotiations
  • True Business Viability and Credibility
  • Faster Growth
  • Bookkeeping and Accounting Services
  • Payroll
  • Business Listing on Over 70 sites
  • Image Builder
  • and much more