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A small business loan is money borrowed by a small or new business to cover expenses like growth, inventory, or day-to-day operations. These loans come in different types depending on your needs, with flexible terms and repayment options. At Ave Capital Group, we offer small business loans from $10,000 to $5 million, with terms ranging from 6 months to 10 years—and in many cases, you can get funded the same day.
You only need to be in business for 4 months or more to qualify for our best funding options.
To apply, your business should make at least $10,000 per month or $120,000 per year in total sales.
A minimum credit score of 660 is needed. We offer options for different credit backgrounds.
Apply in seconds with our simple process and secure pre-approval fast—no complicated steps or long wait times.
Once approved, you’ll get multiple funding offers. Compare terms, amounts, and rates to choose the best fit for your business needs.
After selecting your offer, funds are sent quickly, often the same day, so you can start using them right away for your business growth.
A small business loan is a type of funding created specifically for small businesses. It helps new or existing companies borrow money from lenders to support their operations, growth, or daily expenses. Different loan types are available to match various business needs, and how each loan works depends on its type.
Here are a few popular types of small business loans:
Term Loan – A traditional loan where you receive a lump sum of money and repay it with interest over a set period.
Equipment Financing – Allows you to buy business equipment upfront and pay for it gradually while using the equipment.
Accounts Receivable Financing – Lets you borrow money using unpaid invoices as collateral. This is a smart option if you’re waiting on customer payments.
Merchant Cash Advance – You borrow money based on future credit card sales. Repayment is taken as a portion of daily card transactions.
Business Line of Credit – Works like a credit card. You use what you need and only pay interest on what you borrow.
While specific requirements may vary, most lenders look at these key areas:
Key Financial Metrics Lenders typically review:
Collateral or Business Assets: Some loans may require collateral. If not, you’ll still need to list your company’s assets or show steady bank deposits to prove your ability to repay.
Wondering if you need a business loan? Small business loans can be used to:
In fact, 29% of businesses fail due to running out of cash. With the right funding, you can avoid that.
Gather Required Documents To speed up your application, prepare
Understand the Different Funding Options
Once you’ve done your research and gathered the documents, apply for the funding that suits your business. Don’t wait until your finances are tight. Applying early ensures you’re prepared.
Still unsure which loan fits your needs? Fill out a 1-minute application with AVE Capital Group and talk to a Business Financing Advisor.
Loan rates depend on the loan type, your credit, and the terms. Rates from alternative lenders may be higher than traditional ones, but they’re often more flexible.
Average rates range between 2% and 13%
SBA loans usually range from 3.5% to 11%
No collateral? Here’s how to improve your chances:
Improve Your Credit If you don’t have assets to back your loan, lenders will rely on your credit. Try to reduce your credit usage and fix errors on your report.
Show Strong Cash Flow Be ready to explain how you’ll repay the loan. Strong financial planning helps build lender confidence.
Once you’re ready, apply with a lender that matches your goals. At AVE Capital Group, we’ll help you explore your options and get the funding your business needs to succeed.
AVECAPITALGROUP is a financial solutions firm dedicated to helping businesses grow through smart, flexible funding options.
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