Business Funding Options, Explained by an Independent Consultant
JustPayments LLC helps business owners understand business-purpose financing structures and connects them with independent third-party funding providers. We are not a bank or direct lender, and we do not make or fund financing offers.
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How JustPayments Helps
Financing Options Offered by Independent Third-Party Providers
JustPayments is an independent consultant and referral source. We introduce businesses to participating funding providers and explain how different structures generally work. Eligibility, costs, repayment structure, and documentation requirements vary by provider and product, and every decision is made by the provider.
Lines of Credit
Revolving Access to Capital, Depending on the Provider and Product
Best for: Ongoing expenses, seasonal fluctuations, or working capital needs.
What it Solves:
- May help cover payroll, inventory, or short-term expenses
- May help bridge gaps between receivables
- Access to an approved limit before an urgent need arises
- You generally draw only what you need, subject to the provider's agreement
Why Merchants Choose This:
- Reusable capital may be available, depending on the provider and product
- Timelines, eligibility, costs, and documentation requirements vary
- Structure and draw terms are set by the provider's written agreement
- Business-purpose financing only
Merchant Cash Advances (MCA)
Sales-Based Financing, Subject to Provider Approval
Best for: Businesses with consistent card sales exploring sales-based financing.
What it Solves:
- Near-term capital needs
- Repair, equipment, or inventory purchases
- Marketing pushes or growth initiatives
- Time-sensitive business expenses
How It Works:
- A merchant cash advance is generally a purchase of a portion of future receivables — it is not a loan and is not an interest-bearing product
- Some sales-based financing products may offer remittances tied to sales, subject to the written agreement and reconciliation terms
- Pricing is often expressed as a factor rate, which is not an interest rate or an APR
- Eligibility, costs, repayment structure, and documentation requirements vary by provider and product
Why Merchants Choose This:
- May be available to businesses that do not fit conventional bank criteria
- Providers may weigh business revenue alongside credit and other factors
- Remittance structure depends on the specific product and written agreement
- Approval, amount, cost, and timing are determined solely by the provider
JustPayments LLC is not a bank or direct lender and does not make or fund financing offers. Financing is offered by independent third-party providers and is subject to their underwriting, eligibility requirements, disclosures, and separate agreements. JustPayments may receive compensation if you apply for or obtain funding through this referral link. Applying does not guarantee approval, a particular amount, cost, rate, or funding timeline. Business-purpose financing only.
Paid referral link
The funding provider's own terms and privacy policy are presented by the provider during its application process and govern your use of its services. We do not have a published terms or privacy URL to link for this provider at this time.
Term Loans & SBA-Related Programs
Longer-Term Options Offered by Independent Lenders
Best for: Expansion, acquisitions, refinancing, or larger capital investments.
What it Solves:
- Debt consolidation, where a provider offers it
- Business expansion or new locations
- Equipment or real estate purchases
- Long-term growth planning
Why Merchants Choose This:
- Longer repayment terms may be available, depending on the provider and product
- Rates, fees, and amounts are set by the lender, not by JustPayments
- SBA-related programs are offered by SBA-participating lenders; JustPayments is not an SBA-approved lender
- Eligibility, costs, and documentation requirements vary
The Real Funding Challenges Small Businesses Face
Most business owners don't struggle because they lack ideas—they struggle because they lack timely access to capital.
The result: missed growth opportunities, stalled operations, and constant financial pressure.
How We Guide You Through the Process
Not Just Funding—Strategic Support
We don't just submit applications. We:
Our role is educational and coordinating. JustPayments is not a fiduciary, financial adviser, SBA-approved lender, licensed finance lender, or loan broker, and does not make underwriting or funding decisions.
Before You Accept an Offer
Before accepting an offer, review the total amount of funds provided, total repayment amount, financing charge, payment frequency, estimated term, prepayment terms, reconciliation rights, collateral or personal-guarantee requirements, and all applicable fees.
Required California commercial-financing disclosures will be supplied by the applicable provider as part of any covered specific offer. JustPayments does not generate substitute disclosure figures on this marketing page.
A merchant cash advance is generally structured as a purchase of future receivables rather than a loan, and a factor rate is not an interest rate or an APR. Read the provider's written agreement for the actual structure, cost, and reconciliation terms of any specific offer.
All financing described on this page is for business purposes only. JustPayments does not offer or solicit personal, family, or household loans, and does not accept consumer credit requests.
JustPayments may receive compensation from funding providers, including through referral links on this page. See our Disclaimer, Privacy Policy, and Terms of Service.
Last updated: August 31, 2026
Businesses That Commonly Use Funding
Retail & specialty shops
Restaurants & hospitality
Contractors & home services
Medical & professional services
Auto & repair businesses
Growing multi-location operators
Why JustPayments
A Funding Partner You Can Trust
Introductions to multiple independent funding providers—not a single lender
Plain-language explanations of how different structures work
Referral compensation disclosed on this page
Continued payments support after any funding is arranged by a provider
We align funding with your business strategy—not just approval speed.
Frequently Asked Questions
Capital Should Move at the Speed of Business
Let's find the right funding option to help your business move forward—confidently and responsibly.