Our Programs

Merchant Cash Advance

Merchant Cash Advance

A merchant cash advance provides customized funding linked to future receivables. It’s not a loan. It’s more like an investment in the future.

Seven out of 10 businesses looking for loans get declined. Banks want you to be in business for two years. Greenpoint Capital can fund a business that has been in operation for at least three months and generates at least $25,000/month, 40%-60% of what the business generates monthly.

We will tap into our extensive network of lending partners to find each business the best program for their needs. Expect approval in 24-48 hours. 

There is no collateral required. It is not credit score driven. Simply submit a brief application with a few bank statements. You can access the money you need quickly for whatever you need for your business.

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Pros
  • Quick access to funds        
  • Easy Approval Process         
  • Not a credit score is driven        
  • No collateral required
  • Working capital for a wide range of business needs
Cons
  • Fees could be higher than traditional loans
  • Deductions from daily receipts reduce cash flow
  • Limited flexibility to change merchant service providers
Merchant Cash Advance

Business Term Loans

Business Term Loans

Small businesses generally seek term loans to finance a specific, “one-off” investment. Terms call for paying back the lump sum of capital with regular repayments at a fixed interest rate over a set period of time, typically one-five years. 

Greenpoint Capital will find the best deal with the best term, rate, and repayment schedule for your needs.   

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Pros
  • Set structure for regular payments    
  • Lower monthly payments/longer  
  • Suitable for a wide range of needs       
Cons
  • Potential penalties for pre-payment  terms than short-term loans
Business Term Loans

Business Lines of Credit

Business Lines of Credit

A business line of credit provides access to a set pool of funds you can draw from when you need them. This gives you the flexibility to borrow $10,000 to $1M or more, withdraw only what you need, when you need it, and then repay that amount with interest. 

Access working capital for daily expenses, handle cash flow gaps, address an emergency, or take advantage of an opportunity. 

Greenpoint Capital will help you establish a line of credit that works for you. 

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Pros
  • Pay interest only on funds you draw    
  • Access capital as needed         
  • Bad credit is not an approval factor    
  • A good way to improve credit score 
  • Suitable for a wide range of needs 
Cons
  • May need to update documents each time you draw
  • Collateral may be required
  • Rates may be higher for lower credit scores
Business Lines of Credit

Invoice Financing

Invoice Financing

Invoice financing ─ also called accounts receivable financing ─ advances cash backed by accounts receivables to give small businesses a quick way to put money back into the operation. 

Your accounts receivables serve as collateral, allowing you to free up unpaid invoices and get a rapid advance on up to 85% of their value, with most of the rest of the 15% paid later. 

Greenpoint Capital has years of experience working with small businesses to help them capitalize on the invoice financing they can use today to access the money they need to grow. 

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Pros
  • Use invoices for collateral    
  • Frees up unpaid invoices; no need to wait for payment     
  • Financing based on the invoiced business’s credit
Cons
  • Fees may be higher than traditional financing
  • Fees based on how long it takes for an invoice to be paid 
Invoice Financing

SBA Loans

SBA Loans

The Small Business Administration (SBA) is a federal agency that helps businesses improve their operations and take advantage of contracting opportunities by getting better access to conventional small business loans.

Multiple funding programs use federal money to guarantee up to 85% of a loan amount provided by an SBA-approved lender. This gives financial institutions more incentive to lend money at favorable rates to small businesses for just about any business-related purpose: working capital for daily expenses, purchasing equipment, refinancing debt, an inventory loan, or buying real estate. 

Greenpoint Capital Advisors has longstanding relationships with top banks and other financial institutions that provide small businesses with access to the longer-term, lower rate financing options available through SBA loans

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Pros
  • Offers lowest down payment
  • Longest payment term options
  • Good interest rates     
  • Suitable for a wide range of needs
Cons
  • Extensive paperwork
  • Approvals take longer 
  • Collateral may be required    
SBA Loans

Short Term Business Loans

Short Term Business Loans

Short-term business loans give business owners quick access to a lump sum of money they need to pay back in less than 18 months. 

These widely-used loans can be a flexible financing tool for taking care of immediate, short-term needs such as: managing cash flow, bridging other funding options, paying off expensive debt, providing extra cash to address an unexpected challenge, or taking advantage of a time-sensitive opportunity. 

Greenpoint Capital has strong relationships with funders that give us the ability to close deals others can’t faster, with better terms, and with better rates. 
 

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Pros
  • Set structure for regular payments    
  • Bad credit is not a factor
Cons
  • Higher annual cost than longer-term loans 
  • Businesses with sporadic revenue may struggle withWeekly payments
  • Minimal paperwork
  • Suitable for a wide range of needs 
Short Term Business Loans

Equipment Financing

Equipment Financing

Small businesses turn to equipment financing to fund up to 100% of essential new or used equipment:   computers, machinery, vehicles, ovens, or anything else you might need to keep operations running. 

Applying for an equipment loan is quick and easy, with next day approval and terms extended for the expected life of the equipment. 

Greenpoint Capital has the funding connections you need to get your equipment quickly, with the best rates possible. 
 

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Pros
  • Access cash quickly
  • Minimal paperwork
  • Use equipment for collateral    
Cons
  • Equipment may be obsolete before you finish repaying the loan
  • If equipment depreciates, you won’t be able to Deduct the full cost each year 
Equipment Financing