Small Business Financing

6 Fast Small Business Loans for a Big Fall Season (September 2018)

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6 Fast Small Business Loans for a Big Fall Season (September 2018)

Many small businesses rely on borrowed capital to fuel growth or fund other initiatives, such as marketing expenses, purchasing inventory, hiring new employees, or just manage cash flow. Sadly, less than 20% of the time, the traditional loan process through a bank works for these businesses. There are 30 million small businesses in the United States and less than 20% will ever be bankable. So, what are all these small business owners to do, when their business needs and answer quickly, to take advantage of an opportunity, to capture additional ROI, or solve an unexpected business emergency? Fortunately, there is a strategic funding source like LVRG which offer fast small business loans with a quick answer (often within a few hours) and can make funds available in a day, rather than 2-6 month application and approval time  associated with most traditional small business lending.

When people begin to operate a business, they may not be clear on the major differences between working capital and growth capital. If they don’t begin planning for both types of capital right from the beginning, they may not get what they really need from their business. They also have to be careful that they don’t try to expand too fast, because that can deplete all of their growth capital at once. If it is used up and then more is needed, it can leave a company in a precarious position and stop them from continuing their expansion. If that happens in the middle of growth, it can be highly detrimental and could even spell the end of the business. Most small businesses will need some sort of fast small business loans at one time or another; whether to acquire new equipment, open in a new location, grow their sales force, or to manage cash flow. Fortunately, there are plenty of options out there for the pro-active small business owner. Unfortunately, not all loans are the right fit. Before you apply for your next small business loan, let’s review: 6 Fast Small Business Loans for a Big Fall Season (September 2018):

Cash Flow Loans

Small business cash flow loans are one of the most common loans and can be very beneficial for your business. For this type of business financing, lenders provide you funds and use your future expected cash flow as collateral for the loan. You’re essentially borrowing from cash that you expect to receive in the future by giving the lender the rights to a predetermined amount of these receivables. These are primarily used for working capital or take advantage of short-term ROI opportunities. Your credit scores will be checked, but they play less of a role. As the name indicates, the lender is more concerned with inspecting your cash flow (usually bank statements) to approve your application. Turnaround time is another great feature of a small business cash flow loan, as funding usually takes place in a matter of days. It keeps money flowing freely and evenly.

Working Capital Loans

Working capital loans is a small business funding solution that covers the day to day operations of a business. Many businesses use this type of loan to pay their accounts payable and keep their cash flow running smoothly. Why would a small business choose this type of loan? If you are in a business where the sales are cyclical, such as retail, this type of loan is most beneficial during your dry months where sales are low. At any stage of growth, fast, flexible funding is essential to the continued success of your small business. Working capital loans are typically 3 to 15 month terms and fixed payment options to accommodate your specific needs, so you can focus on what you do best, running and building your business. It keeps your business going until you are back to your money-making norm.

Revenue Based Financing

Revenue based financing can be used for any legitimate business expense, from remodeling or business expansion to buying equipment to launching a new marketing effort. The key here is growth and our business funding options are the perfect solution for business owners looking to take advantage of growth opportunities.Instead of a business being required to pay fixed interest payments like a typical bank loan, a revenue based loan is paid with a percentage of revenues. Small business revenue based financing helps you grow your business and it does not saddle you down with long-term, highly encumbering debt. With a revenue based loan, you will pay it off in roughly 6-12 months, which makes more sense for short-term expenses. Additionally, lenders are usually willing to replenish the loan after roughly 50% is paid down, so you can continue getting more capital along the way. These short-term loans for business are popular across every industry and in every state in the U.S. From manufacturing and transportation companies, craft breweries & salons, to restaurants and retail stores; short-term small business loans are an efficient and cost-effective source of capital, when you need it. Short-term financing can help businesses build or accelerate revenue in ways they couldn't otherwise. And at the same time, working capital solutions offered by LVRG can help business owners negotiate better discounts or terms with vendors and avoid longer-term charges and fees, saving money in the long run.

Bad Credit Business Loan

No one likes to talk about it but it happens, bad credit. When a small business has a bad credit score and history, it can get real tough to obtain loans to keep your business flowing and growing. Fortunately, there are bad credit business loans that will help the owner get the funding they need and improve their credit score so they can opt for better loans with higher lines of credit available. We've found that poor credit history is not a good predictor of future business growth or success. Instead, it’s knowing when to seek business financing and having a plan for how you’ll use the capital to generate more revenue or accelerate it. Short-term business loans and business cash advances more than pay for themselves when you factor in the additional revenue they help generate and business costs they can save.

Business Line Of Credit

It's the nature of business to be cyclical. This means your businesses cash flow will find their own high and low points throughout the seasons, and throughout the years. Will you make it from this ebb to the next flow? Would getting a cash infusion in the form of a business line of credit help you? A small business line of credit allows a business owner to draw against a specified amount of financing on an as-needed basis. The advantage of a business credit line is that you only pay interest on the funds you actually draw, so you’re not stuck paying interest on capital you don’t have an immediate use for. If you’re a business owner taking out a line of credit, you’ll be spending that flexible cash on seasonal business expenses, payroll and other operational costs, insurance against emergencies and for sudden growth opportunities. In other words, as a cushion of cash flow. It’s there for you when you need it most. A business line of credit is similar to a small business loan but functions like a credit card. You apply for a line of credit, much like you would a business loan. While the small business loan gives you a lump sum of money to use upfront, a line of credit is money available for you to use at your discretion. Just like a credit card, you pay it off each month to avoid interest and have this line of credit available even after you pay off your balance. Certain businesses, such as retail establishments, benefit more from lines of credit because of the predictable variations in cash flow. Seasonal changes in sales mean earnings fluctuate on a set schedule, and extra money is often needed to continue operations during slow times. When you’re able to anticipate these financial needs, you can rely on a line of credit to provide security.

Merchant Cash Advance

A Merchant Cash Advance (MCA) can provide business borrowers with an upfront fixed amount of cash in as little as 24 hours. The funding amount is based upon a percentage of the businesses credit card receivables or daily cash balances using historical credit card receipts and bank statements to determine the initial advance. The business pays back the advance, plus a percentage, often referred to as a discount factor, from a portion of their credit card receivables or cash available plus a percentage which is often referred to as a discount factor. The remittances are drawn from the business customer on a daily, or weekly basis until the obligation has been met. MCA's are good options for small business owners who may not have strong credit but have lots of credit card activity and need financing quickly.

Not all businesses or surprises are the same, but here are some pretty common business expenses that are sometimes difficult to anticipate:

  1. Equipment failure: If your business relies on specialized equipment to do business, regardless of whether it’s a pizza oven critical to your restaurant or a large mash tun that plays an integral role within your craft brewing process, every hour that equipment is down is costing your business money. Acting fast to get up and running again is a part of staying viable.

  2. Building maintenance problems: If you do business out of an older building, it’s not uncommon to occasionally face plumbing, electrical, or other building maintenance problems. The costs of digging up a sewer line to the street or putting a new roof on your building can easily add up beyond what might be available in your cash flow—particularly if the expenses are unexpected and need to be responded to quickly.

  3. Growing pains: Most business owners welcome the opportunity to grow, but sometimes growth comes with unexpected expenses. There are sometimes overlooked expenses to hiring new employees like additional supplies, training, or maybe the need to purchase a new desk and office equipment. Depending upon your business, ramping up a new employee can become expensive. While most business owners want to see their businesses grow, it’s difficult to anticipate every expense associated with growth.

  4. Unexpected opportunities to increase profits: Not all surprises are bad news. For example, suppliers sometimes offer unexpected discounts to their customers who can act quickly to take advantage of a special offer. It might be an opportunity to purchase quick-turnaround inventory at a steep discount or maybe a special offer on a new piece of timesaving equipment that will make serving your customers more efficient. To take advantage of opportunities like these, you’ll need to act fast and won’t be able to wait for several weeks to get an answer from the local bank.

  5. An opportunity to expand: Maybe that extra space next door has become available or the bigger storefront down the street has gone up for sale. The opportunity to expand might make it possible to secure more customers and generate more income, but the added expense might be something you hadn’t anticipated. Quick access to capital might be required to pull it all together.

In a survey conducted in the spring of 2016 by the Electronic Transaction Association (ETA), 63% of the small businesses surveyed identified speed to funding as the reason they chose an online business loan. 57% cited the easy application process and 51% the affordable total loan cost. Needless to say, a quick answer and quick access to funds is an important consideration to many small business owners. 96% of those surveyed said the reason they were borrowing was to secure capital to enable or drive business growth. Additionally, these small businesses generally anticipate a 5x return for every dollar they borrow. In other words, they expect to earn $5 for every $1 they finance to purchase things like inventory (51%) or equipment (54%).

In some cases, access to capital is a great way to take advantage of new opportunities. In others, however, it can be a good way to pull a struggling company out of a pit of poor circumstances. Despite the potential for risk, capital can be the saving grace when trouble comes to call, providing the means to bridge the gap between failure and success. A few extra dollars today may mean an empire tomorrow, and can be the necessary protection against closing up for good.

Any of the fast small business funding options mentioned above, whether for a few thousand dollars or a few million, can make previously unavailable opportunities obtainable, providing a customized solution in a time of need and keeping the lights on even when the going gets rough. With ready access to business capital, the possibilities are literally limitless, offering the assets you need to promote a positive trajectory and inspire healthy growth. Getting into a cash-poor position should always be avoided, because it’s difficult to recover from. It makes sense that companies want to grow as fast as possible, but those companies must be very careful that they avoid the pitfalls of burning up their entire growth capital fund. Instead, it is better to focus on slower growth, so the fund stays strong and the company builds strength at a more sustainable rate.

So, why LVRG? We combine data-crunching software with a human touch to come up with affordable funding solutions that best fit your needs. LVRG is a team of the right people, working with the right data, getting you the right-size funding for your business. At LVRG, we believe we are different from other lending firms. We never set out to be the biggest, but we constantly strive to be the best. Our deep sense of integrity, professionalism, and commitment to the spirit of entrepreneurialism, propel our determination to provide assistance to small business owners in a challenging economic climate. LVRG Funding is the smart choice for fast, reliable, small business financing. Call (855) 998-LVRG or click the button below to apply now.

 

How revenue based financing can help your small business grow

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Small business owners are painfully aware of the dips that their revenue levels experience on a month-to-month basis. They are also aware of how the many challenges of managing cash flow in a small business environment can make obtaining working capital at a reasonable rate all the more difficult. 

Fortunately, you don't have to let the variances in your small business cash flow get in the way of your business funding. If you are in need of an infusion of working capital, you may want to look into revenue-based financing.

The capital you need from a source that you trust

Business funding is available in many different forms, and if you may not be a good candidate for a business loan from your local bank, it doesn't mean that you are without options. Due to the many variances in your small business cash flow from month to month, you may not meet the funding requirements of your regular banking institution.

With revenue-based financing, there is no equity needed, and your loan payment each month is a fixed percentage of revenue, rather than a set dollar amount. This percentage-based payment allows for the flexibility in repayment that is necessary for businesses that have a wide fluctuation in cash flow each month.

Short-term loan periods and long-term solutions

Revenue-based loans provided by LVRG are structured with a six 18-month loan period. This type of financing is underwritten in a straightforward manner, with your past cumulative sales as the main gauge of your suitability. This allows us to determine if you are eligible for funding quickly and offer almost immediate funding upon approval. 

The LVRG team will work with you to help you get the financing you need, even if your past credit history is less than stellar. If your established small business is doing well, but not creating enough cash flow to generate the working capital that you need, it's time to learn more about revenue-based financing. Small businesses need capital to grow, and no one understands that more than LVRG.

Interested in learning more about how revenue based financing can help your small business manage cash flow and have the necessary working capital on hand? Contact us today to learn more about our small business solutions and how we can help your business thrive now and well into the future!

 

A small business loan can help your business succeed now and in the future

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Small businesses are the lifeblood of the American economy, and no one knows better than an independent business owner how much work goes into running a successful business. Even when your business is thriving, maintaining a steady cash flow can be challenging. We all know how difficult it is for small businesses to succeed, but were you aware that 50% of small businesses fail after five years, while 30% close in the 10th year of business? 

Working capital can make the difference between success and failure

If your business is going well and your revenue stream is strong but you are lacking capital, an unexpected expense or a price increase from one of your vendors can send you reeling. Businesses that are cash flowing but lack capital are much more likely to fail. Capital is necessary to keep businesses from stagnating and losing steam. If you run into difficulty, capital funding can help you to avoid the fate of 50% of small businesses that fail after five years. 

A small business loan is an effective way to smooth out the highs and lows that are a part of small business cash flow and begin to build your profit and growth levels. Working capital is one of the most important building blocks of any successful business, no matter the size. And with a strong balance sheet your cash flow irregularities become less impactful on the overall health of the business.

Excess capital can make a positive difference for your small business

Equipment needs and production costs, along with marketing and advertising expenses, never end when you own and operate an independent small business. If you are looking at a small net gain at the end of the month, there is no possibility of investing more in your business and keep it growing. Constant investment and improvement of business processes will allow you to consider expansion or equipment upgrades that will further strengthen your company's financial health and future.

Are you a small business owner looking for a way to get out from underneath your bills and expenses? Contact LVRG today to learn more about how capital funding can help you stabilize your cash flow and take your business to the next level. We specialize in working with small businesses such as salons, spas, craft breweries, and manufacturers and would welcome the opportunity to work with you too!

 

6 Signs Your Small Business Requires Funding

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There are plenty of reasons why your small business may require financing. But how do you know if it’s the right time to borrow capital for your business? Well, here are six signs that your small business needs funding. 

Your business is doing well

A significant number of small business owners have the wrong mentality towards business funding options. These owners only apply for a loan when their business is in financial trouble, which only leads to them being rejected due to poor credit history.

Many lenders look at the financial health of your business before approving your loan. Thus, the best time to look for additional funding for your business is when your business is doing well financially.

Your business has occasional cash flow issues

If you’re paying for labor or supplies upfront but your customers don’t pay you early enough, the likelihood of your business experiencing cash flow problems is high. A small business loan or business line of credit can help to manage your cash flow issues while awaiting payment from your customers.

Your business is growing

If your business is expanding fast, then this is a big sign that you may require extra financing to take it to the next level. For example, fast growth may force you to hire more staff, move to a bigger office space or buy extra equipment to fulfill customer demands. If you don't have extra capital you may not realize any of these aims.

Your business can’t fulfill a large order

If your small business receives a large order but your inventory is insufficient, getting a loan to cover for the deficit is not only sensible but also profitable. Basically, partnering with lenders can help your business cater to customers with large orders.

You need to hire more people

Running a small business isn’t as easy as many people think. In the initial stages, it’s okay to take care of everything from marketing to operations, but as the days roll by you'll need more staff to run your business more efficiently. Small business loans can enable you to hire the extra people you badly need to manage your enterprise more effectively.

Purchase equipment

Most small businesses require equipment to serve customer needs more efficiently. If you’re just starting out, you may not have enough money to buy the equipment your business needs. If your business requires equipment to operate optimally, this is a sign that you need funding.

If you’re looking for fast small business loans from a strategic funding source, we're here to help! LVRG is one of the top small business cash flow funding companies in the country. Just remember, the worst time to scramble for capital is when you need it. Contact us to learn how our loan products can help grow your business today.

 

How to navigate the fake world of fast small business loans scams

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Since the onset of the 21 st century, the various access to small business loans have flourished. From typical business loans offered by local banks, to the alternative lending space with thousands of online business loan lenders, today's small business owner has a plethora of financing options to choose from. Despite the massive amount of options available to receive business funding, research on choice difficulty seems to suggest that it may be even tougher to choose an optimal funding source from so many choices. Going off topic a bit, just think about how many dating apps and date websites there are today, although there's more single people than ever before and everyone's getting divorced. It's simply too easy to get a date, yet the easier it becomes, and the more options that exist, the tougher it becomes to actually find a quality person most people are in search of.

Even within each category of financing sources, numerous lenders propose different procedures, rates, and terms, which can be quite overwhelming for the borrower. Decision research shows that having too many options often reduces engagement and increases decision difficulty for individuals in general. You’ll know what I’m talking about, if you’ve thrown away that 10th credit card advertisement envelop in your mailbox. After a while, you can't decipher from one ad to the next, they all look the same.

There’s no denying that in the modern day we expect a lot. FASTER, CHEAPER, NOW, NOW, NOW. The Internet has opened up new vistas where anything seems possible: whether it's landing ourselves a date at a swipe, or trying to bag the best deals on travel comparison sites. Another page, another click, another swipe. Just keep looking and you'll find something better. But how many of us actually believe that? Is there a flip side here. What's regulated and what's not? Do you really know who's on the other end of the screen? Are the companies spending millions of dollars in marketing, even ethical? How much of what we read online is actually legitimate, or fake? Who's behind the 3,000-5,000 marketing ads we see every single day? Our need to always secure a better deal, or a faster option has made us more vulnerable, not least when it comes to being lured in by fake news, hollow promises and outright scams. Another words, the grass is not always greener on the other side; and relentlessly searching for "something better" may actually be doing more harm than good.

Moreover, the growth of online lending has resulted in the introduction of sub-optimal lenders that engage in less than ethical practices. Unfortunately, some lenders push small business owners to take on more credit than needed, or initially promise unsubstantiated terms and rates in a bait-and-switch scenario. 

How to Avoid Small Business Loan Scams

Ever clicked on a banner ad promoting a $29 round trip to Florida, only to find out you still have to pay for bags, seats, airport fees, taxes, and oxygen? You may have even been online shopping for plane tickets and passed up another option for $79; after-all $29 sounds a lot better than $79. Right? But what if the $79 flight to Florida was actually $79, and the $29 not so much? You were so concerned about finding a better deal (saving $50) that you got duped into believing the fake ad, which wound up costing a heck of a lot more than the $79 ticket you initially passed up. Chances are, you missed the fine print because in your mind, you were fixated on finding a better deal. In an effort to save you a few bucks, you wound up spending twice as much. Take the bright shiny Cadillac that you see on the TV advertised for $129 per month. Do you think people really drive off the lot in a brand new Cadillac, paying only $129 per month? NEVER! Don't confuse a big marketing budget with an ethical company. More often than not, the bigger their marketing spend, the more BS they advertise. It's all smoke and mirrors, nothing more than an illusion. Another example is a very large furniture retailer in Metro Detroit, they spend millions of dollars every single month on television ads. Their main gimmick is that they pay your sales tax. Another words, you buy furniture from them, and they pay your tax. That's a huge savings! One of my friends just bought a couch from them, and when he went to pay, the tax was on the bill. Of course, he questioned it. Considering that's one of the reasons he went shopping in that store in the first place. The salesman said "comon' man, of course you have to pay your own tax; it's illegal not to." Soooo, let me get this straight....  Their main sales pitch / marketing gimmick, that they spend millions of dollars promoting, is not just completely false, it's completely illegal. Yet, they get away with it and people fall for it all day long.

This is exactly what's happening to THOUSANDS OF SMALL BUSINESS OWNERS in their never ending quest to find fast small business loans online. There are millions of websites, lending companies, online loan marketplaces, banner ads, links, videos, telemarketers, postcards in the mail, and business loan brokers all promising the lowest rate, largest loan amount, and best terms out there. But how much of that is actually true? NOT MUCH!! IN FACT, ABOUT 98% OF WHAT SMALL BUSINESS OWNERS READ ONLINE AS IT RELATES TO FAST SMALL BUSINESS LOANS, IS 100% FAKE NONSENSE! There is simply too much information out there, hundreds of thousands of small business owners are taking the bait, and getting burned real bad. In fact, people are walking away from reputable lending companies with fair rates & terms, in order to pursue loan sharks and even scammers in disguise. It's sad and getting out of control. The question we have is, why are small business owners being so careless, stubborn, and flat out gullible?

With no regulation whatsoever, most funding companies are nothing more than call centers, ran by aggressive salespeople with zero knowledge, background, or experience in business, and/or finance. In fact, most loan brokers and online lenders simply auction off your application to the highest bidder, all while destroying your credit. Small business owners are being misled at every turn, collecting fake loan quotes, comparing lending rates & terms that don't exist, clicking on banner ads for loan products they'll never qualify for, committing to funding offers that change at the last minute, and being duped into signing bait & switch funding contracts. What shocks us, is why millions of small business owners would risk their livelihood and put the future of their business on the line, just to save a few bucks - which will wind up being fake anyway. We have been funding small businesses for years, and we have never witness so many scams, lies, fraud, and businesses being forced into bankruptcy because they "bought" the wrong loan from the wrong lender.

Let’s take a look at how you can protect your business in the era of information overload by discerning the good business loan lenders from the bad.

Be wary of comparison sites

Lending comparison sites might look like an easy way to find the best deal but they can feature some disreputable companies all vying for your attention. Their information can also be misleading, so take them with a pinch of salt. For instance, they may advertise some of the lowest rates on their homepage but can’t always ensure lenders follow through. Just as an example, one of the largest online business loan lenders promotes rates as low as 9.9% AIR, but the fine print says (eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with this company. The weighted average rate for term loans is 25.0% simple interest and 47.3% AIR). Wow! So, those advertised rates are "very limited" and you have to be a recurring merchant of this online lender. Which means that if you may have to be a perfect borrower with them for many years, before you get their "best" rates." Another large online business loan lending company advertises "rates starting at 1.25% per month of the original funding amount." Well folks, that could be up to 200% interest in some cases. And, many of these online lenders can also get away with charging additional fees, which brings us to our next point…

Never pay upfront

The scams are those which charge you an advance fee and expect it to be paid upfront, before you receive any money. They might also masquerade behind names such as ‘credit fee check’, ‘processing fee’, ‘registration fee’ or any other form of down payment. If you pay up, you can kiss goodbye to your money and your non-existent credit, leaving you in a worse position than you were to begin with.

The more you "shop" for small business loans, the better rates and options you'll receive... Right?

Protect your personal information

Some scammers aren’t even after your money, they simply want to steal your personal information to sell it. If you're approached out of the blue by a company, never hand over your social security number, credit card number or bank account details as you could find yourself at risk of identity fraud. And seriously, in today's world of online scams, fraud, data breaches, etc., it's alarming that so many business owners are freely giving up their personal data to telemarketers and call center reps pitching business loans.

Spot the BS - AND THERE'S A LOT OF IT

If an ad, email or website tells you you’re pre-approved or promises to lend to you regardless of your financial situation, you’re in BS territory – a Blatant Scam. The reality is, anyone with a social media account, or a website, and a handful of dollars can publish whatever they want since this is an area totally unregulated, undercutting competitors by a serious margin if they think it’ll get you to take the bait.

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Check out the lender

Reviews aren’t always reliable, and while a website might look welcoming, scammers know a good-looking facade often works. Look for things like genuine contact details (you should Google their HQ address to make sure it all adds up), security logos, etc. Even then, go to the online directory for that state and check the number corresponds to the business.

Shopping Online Small Business Loans and Merchant Cash Advance Lenders in 2018? Think Twice! (video)

Report unsolicited contact

If you receive an offer you never applied for via phone, SMS or email, be even more suspicious. Never use any links or phone numbers provided this way, even if it purports to be from a recognized lender; do your own research online. If you pass up an offer and still get bombarded with cold calls, walk away and report it. All those calls you get from telemarketers saying you are pre-qualified for $200,000 in fast business funding, they bought your name off a list, they don't have a clue who you are.

Reliable and experienced small business loan lenders have begun to focus on dealing with specific groups of small business customers, so as to provide a more prudent and specialized financing advice in supporting businesses’ initiatives for success. By better understanding the characteristics of industry-relevant financial statements and business models, such loan provider offers optimized funding solutions in a more efficient manner. Small business owners are finally coming around, realizing that those cookie cutter, one size fits all small business loans being sold all over the internet are counterproductive and potentially detrimental to their business. Small business owners face unique challenges that require the partnership of an experienced funding firm, not product pushers or telemarketers. Indeed, for small businesses, whether receiving funds from an angel investor or a small business loan from a group like LVRG, business owners will benefit from finding a lender that knows their businesses, and has their best interest at heart. 

The reality is this, smart business owners don't chase fake business loan rates around the internet, they create funding relationships with an experienced finance company like LVRG.

As with everything in life, the same old adage holds true: if it looks too good to be true, it most certainly is! Your business is one of your most valuable assets, so don’t compromise it by chasing bogus offers. At LVRG, you can have faith in the due diligence we pay to each and every client relationship. We’ll never try to lure you in with a great deal and then move the goalposts. We provide fast underwriting and a complimentary cash flow analysis. Best part is, you never pay us a dime. If you want to work with a straight-talking strateigc funding source proven to help America’s small businesses succeed, then get in touch with us today.