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12-Year Simple Loan Program

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12 years to pay means a low monthly payment. We provide business financing with no personal collateral requirements and flexible monthly repayment terms.

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  • Rates from 19.99% · Stated up front
  • Up to 12 years · Low monthly payment
  • Consolidate MCA · One low payment
Fast eligibility test
Takes just a few minutes
Up to $500,000
For your business needs
Rates start at 19.99%
Low monthly payments over 12 years

Financial programs built around your business

Stuck with expensive MCA payments? Refinance or consolidate your MCA loans, and combine personal and business debt into one loan with up to 12 years to pay. A longer term means a lower monthly payment, and rates are from 19.99% to 21.99%, so you can focus on what matters most: building your business. Case Study 2025: business owners saved 2/3 of the cost of interest & fees by consolidating with a Term or 12-Year Loan program.
Seasonal Business Financing Borrow Around the Revenue Cycle

You’re more than your credit score

We look at your entire business profile, not just your credit score. Traditional credit scores don’t always tell the full story. Our programs take a more complete view of your business so you have a better chance of getting the funding you need to grow.
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Know where you stand — instantly

Find out if you’re eligible in just a few minutes with our simple online eligibility check. Pre-approval results can be available within 24 hours, so you can move forward with confidence.
Finance Analytics Desk Still Life — Year Business Loan Non Architecture & Guide | MM4B

Industry-leading business financial program features

  • Loan terms up to 12 years
  • Rates start at 19.99%
  • Refinance or consolidate MCA loans
  • Consolidate personal + business debt
  • Approval can be within 24 hours
  • Loan amount up to $500,000
  • Funding can be within 3 days
  • Minimum 626 credit score required
  • No personal collateral required
  • 12 years to pay = low monthly payments
  • Will not affect your credit score
Daily and Weekly Loan Withdrawals vs. Payroll Cash Flow

Business loan programs

We offer a variety of business loan programs to meet your specific needs. Choose the one that best fits your goals and take the next step toward growing your business.

MCA Refinance & Debt Consolidation

Refinance or consolidate MCA loans and combine personal and business debt into one loan with a lower monthly payment.

Business Opportunity Loans

Get the funding you need to take advantage of new opportunities and grow your business.

Business Investment Loans

Invest in equipment, inventory, real estate or other business needs to help you expand and increase profitability.

Experience you can trust

John (JJ) Guillory

John (JJ) Guillory

Chief Financial Officer
31+ years of experience helping businesses navigate financial challenges so owners can focus on growth.

Past Funding

Past Funding 1:
$400,000
Monthly payment $7,343.65 for 12 years
Rate: 19.99%
Past Funding 2:
$325,000
Monthly payment $5,966.71 for 12 years
Rate: 19.99%
Past Funding 3:
$200,000
Monthly payment $3,671.82 for 12 years
Rate: 19.99%
Past Funding 4:
$500,000
Monthly payment $9,179.56 for 12 years
Rate: 19.99%
Past Funding 5:
$125,000
Monthly payment $2,382.62 for 12 years
Rate: 19.99%
  • You can consolidate MCA loans and business and personal debts used in the business.
  • Great for working capital.
  • Funds up to $500,000, no SBA requirements, minimum credit score 626.

Get Started Today

Call or email us to get your personalized rate and find the best equipment financing solution for your business.

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(888.88.CASH.1 Ext. 0)cash@moneyman4business.com