Our Goals

Need Capital Now is committed to increasing small business’s access to funding by delivering complete and transparent information that proves our respect for our clients we use our resources, experience, and our commitment to provide each business with the most competitive and accessible funding solutions available in the marketplace.

Our Story

Need Capital Now was born out of the financial crisis and officially opened its doors in 2012. We are helping lead a revolution in the alternative funding field , focusing less on a business owner’s credit score and more on the overall health of their business. If a business has good cash flow, loyal customers, and a profitable outlook, why shouldn’t they be approved?

Need Capital Now was built on the simple idea that funding doesn’t have to be complicated or based on a single number. We let you know exactly where you stand from the moment you start an application to the moment you receive the funds. Business Funding needs to be personal, which was the catalyst behind Need Funding Now.

More About Us

  • Need Capital Now has been financing small and medium sized businesses throughout the United States.
  • Since inception, we have originated well over $50 million in Alternative Business Financing deals to thousands of customers in small and mid-market arenas throughout the US.
  • We have processed well over 25,000 applications and provided funding for commercial accounts, non-profits to state and other “hard to fund” industries.
  • We also provide short-term working capital funding and cash advances for businesses to cover a variety of needs.
  • Whether you need cash for inventory, to increase cash flow, to support expansion, for a seasonal bridge or another purpose, our working capital program can help you take the next step to grow your business.

We feature aggressive low, fixed costs and very flexible credit underwriting.

We have a simple client activation process and minimal “red tape” paperwork

Our efficient support departments free our sales reps to focus on booking the next deal.

Main goal is to help you find fast success in the alternative business financing industry.

Frequently Asked Questions

  • Funding can be used for a variety of business needs in a wide range of industries.
  • Funding and advance sizes range from a minimum of $5,000 to a maximum of $600,000.
  • The term of repayment may be anywhere between 3 and 36 months.

  • Monthly gross revenue of $8,500 or more

  • 3 months of business bank statements required

  • Minimum 6 months time in business

  • A minimum FICO score of 500 for the applying business owner

  • Businesses must be based in the United States

  • A fixed payment amount is deducted from your business bank account on a daily or weekly basis.

  • You may be allowed to prepay after a period of on-time repayment.

  • The rate and pricing of a funding products are determined by a number of factors including recent business performance, industry, dollar amount financed, and term.

  • Depending on the product that you select, you may be charged an origination fee. These fees are always itemized in the funding documents for review.

  • Short term rates are often stated as a fixed simple factor rate, or “cents on”, as we believe this is an easier way for you to understand the true “cost” you are paying for your funding . This shouldn’t be confused with an annualized interest rate.

Need Capital Now takes security seriously. There may be times that we need to ask for identifying documents such as a driver’s license or building lease information; and we may need to confirm your bank account ownership before releasing funds.