Xplocial is changing the Way Small Businesses Access Capital
Xplocial uses technology to focus on the true health of your business - not just credit scores.
A strong cash flow and good payment behavior demonstrate the
performance of your business and can help you to qualify for business
loans from $5,000 up to $250,000. By reviewing business performance in
addition to credit history, we can identify healthy businesses that others pass by.
Our cutting-edge technology allows us to make decisions quickly and
fund loans fast. Applications for loans from $5,000 to $250,000 may be approved
in as fast as three business days.
A strong cash flow and good payment behavior demonstrate the
performance of your business and can help you to qualify for business
loans from $5,000 up to $250,000. By reviewing business performance in
addition to credit history, we can identify healthy businesses that others pass by.
Our cutting-edge technology allows us to make decisions quickly and
fund loans fast. Applications for loans from $5,000 to $250,000 may be approved
in as fast as three business days.
GET PREQUALIFIED HERE
Small Business Loan Types, Common Small Business Loan Uses
Our customers use our small business loan for a variety of purposes.
Since our small business loan has 3 -18 month terms, it is ideal for
efforts that will generate revenue within the loans' time periods. After
all, paying for this year's inventory well into next year is not
healthy for your business
Typical uses include inventory, equipment, temporary cash flow
management (if your sales volume fluctuates), working capital
supplementation, marketing to generate new business, and unexpected
business opportunities that you just can't pass up.
Get Started with Xplocial and see the lending options available to your business. Our
process is free with no obligation!
Small Business Loan Types, Common Small Business Loan Uses
Our customers use our small business loan for a variety of purposes.
Since our small business loan has 3 -18 month terms, it is ideal for
efforts that will generate revenue within the loans' time periods. After
all, paying for this year's inventory well into next year is not
healthy for your business
Typical uses include inventory, equipment, temporary cash flow
management (if your sales volume fluctuates), working capital
supplementation, marketing to generate new business, and unexpected
business opportunities that you just can't pass up.
Get Started with Xplocial and see the lending options available to your business. Our
process is free with no obligation!
Small Business Loan – Equipment
Chances are, the business equipment you're
looking to acquire is critical to your business' expansion, and will
last you many years after your lease expires. You need to consider
depreciation of your asset, leasing costs, tax benefits and a number of
other variables to fairly compare lease versus buy options. Xplocial’s
small business loan options allow you to get the equipment you need.
As a fast rule of thumb, if your equipment
has a low obsolescence factor and depreciates over 5 to 10 years, it's
usually better to buy the asset. If the equipment is technology-based
with constant upgrades in software, leasing may be the better option.1 A small business loan from Xplocial can help you on your way to getting the equipment you need.
Own With Xplocial
Xplocial provides solutions for a small business loan with a mission to
help successful small businesses grow. We are not a leasing company or a
merchant cash advance company. Our small business loan terms are 18
months or less, and our loans range from $5,000 to $250,000. We provide
options for a small business loan to businesses based on business
performance, in addition to credit history, and offer:
A Small Business Loan from Xplocial May be Right for You if:
Chances are, the business equipment you're
looking to acquire is critical to your business' expansion, and will
last you many years after your lease expires. You need to consider
depreciation of your asset, leasing costs, tax benefits and a number of
other variables to fairly compare lease versus buy options. Xplocial’s
small business loan options allow you to get the equipment you need.
As a fast rule of thumb, if your equipment
has a low obsolescence factor and depreciates over 5 to 10 years, it's
usually better to buy the asset. If the equipment is technology-based
with constant upgrades in software, leasing may be the better option.1 A small business loan from Xplocial can help you on your way to getting the equipment you need.
Own With Xplocial
Xplocial provides solutions for a small business loan with a mission to
help successful small businesses grow. We are not a leasing company or a
merchant cash advance company. Our small business loan terms are 18
months or less, and our loans range from $5,000 to $250,000. We provide
options for a small business loan to businesses based on business
performance, in addition to credit history, and offer:
- Decisions in as fast as 3 business days, funding in as fast as 5 business days
- No change to your credit card processor
- A simple small business loan application
- Fixed daily payments
- Online management of your small business loan
A Small Business Loan from Xplocial May be Right for You if:
- You're a small, healthy business with a lot of transactions from a broad customer base
- You have steady cash flow
- You are conscientious about paying your bills (you may miss occasionally but you always catch up)
- You need a small business loan quickly
Inventory Loan
Managing your cash flow well means buying
enough inventory to keep your customers happy, while selling it quickly
enough to cover your costs and avoid large storage bills. With this in
mind, you should generally be turning over your inventory in a few
months.
If you need to borrow to purchase your inventory, try to match
revenue with expenses. Your inventory loan should be for months not
years; paying for this year’s inventory next year is not a healthy
business practice. That's why Xplocial’s 3-month to 18-month loans might
be right for you.
Buy with an Xplocial Loan
Xplocial provides loans with a mission to help successful small
businesses grow. We step in when small businesses cannot obtain a line
of credit from their traditional bank lender. We are not a merchant cash
advance company. Our loans range from $5,000 to $250,000. We provide
loans to small businesses based on business performance, in addition to
credit history, and offer:
Managing your cash flow well means buying
enough inventory to keep your customers happy, while selling it quickly
enough to cover your costs and avoid large storage bills. With this in
mind, you should generally be turning over your inventory in a few
months.
If you need to borrow to purchase your inventory, try to match
revenue with expenses. Your inventory loan should be for months not
years; paying for this year’s inventory next year is not a healthy
business practice. That's why Xplocial’s 3-month to 18-month loans might
be right for you.
Buy with an Xplocial Loan
Xplocial provides loans with a mission to help successful small
businesses grow. We step in when small businesses cannot obtain a line
of credit from their traditional bank lender. We are not a merchant cash
advance company. Our loans range from $5,000 to $250,000. We provide
loans to small businesses based on business performance, in addition to
credit history, and offer:
- Decisions in as fast as 3 business days, funding in as fast as 5 business days
- No change to your credit card processor
- A simple application
- Fixed daily payments
- 3 - 18 month terms
- You're a small, healthy business with a lot of transactions from a broad customer base
- You have steady cash flow
- You are conscientious about paying your bills (you may miss occasionally but you always catch up)
- You need a loan quickly
Business Expansion Loan
If you are fortunate to be a growing small business –
congratulations! You know, however, that expansion can be a double-edged
sword. It means more patrons and sales, but also taxes your kitchen
staff, or requires more inventory to fill the shelves. It means more
than just adding space, and requires solid thought before a business
incurs the added expense.
If you’re clear on your plans, are confident the expansion will grow
your revenue, and need a loan to make it happen, then Xplocial might be
right for you. We offer loans from $5,000 to $250,000. This covers small
renovations to existing space up to larger projects such as
construction for an addition. Our loans are short term so you can pay
off the debt quickly and start realizing the profit from your expansion.
Expand with an Xplocial Loan
Xplocial provides loans with a mission to help successful small
businesses grow. We step in when small businesses cannot obtain a loan
or line of credit from their traditional bank lender. We are not a
merchant cash advance company. We provide loans to small businesses
based on business performance, in addition to credit history, and offer:
- A decision in as fast as 3 business days
- Funding in as fast as 5 business days
- A simple application
- 3- to 18-month terms
- No change to your credit card processor
- You're a small, healthy business with a lot of transactions from a broad customer base
- You have steady cash flow
- You are conscientious about paying your bills (you may miss occasionally but you always catch up)
- You need a loan quickly
- You have plans for expansion and a projected return on your investment
Temporary Cash Flow Loan
If you are a seasonal business, sometimes you need to purchase
inventory and hire staff before the real revenue flows in from the
season ahead. Or your expenses might be temporarily higher because you
purchased more inventory to take advantage of a volume discount. It is
always important to leave a cushion of cash in your bank account to
avoid returned checks or overdrafts. This is when a cash flow loan makes
sense. It provides the working capital you need to keep your business
running smoothly.
To ensure you’re making the right decisions about borrowing, you
should look at your revenue and expenses over the last six months. If
your revenue has been consistently decreasing, while expenses have been
flat or increasing, then a temporary cash flow loan may not be what you
need. Cash flow loans are for generally healthy businesses that need
temporary cash and have the means to repay the loan quickly. If you
decide on a cash flow loan, then Xplocial might be right for you.
Boost Your Cash Flow with an Xplocial Loan
Xplocial provides loans with a mission to help successful small
businesses grow. We step in when small businesses cannot obtain a loan
or line of credit from their traditional bank lender. We are not a
merchant cash advance company. We provide loans to small businesses
based on business performance, in addition to credit history, and offer:
If you are a seasonal business, sometimes you need to purchase
inventory and hire staff before the real revenue flows in from the
season ahead. Or your expenses might be temporarily higher because you
purchased more inventory to take advantage of a volume discount. It is
always important to leave a cushion of cash in your bank account to
avoid returned checks or overdrafts. This is when a cash flow loan makes
sense. It provides the working capital you need to keep your business
running smoothly.
To ensure you’re making the right decisions about borrowing, you
should look at your revenue and expenses over the last six months. If
your revenue has been consistently decreasing, while expenses have been
flat or increasing, then a temporary cash flow loan may not be what you
need. Cash flow loans are for generally healthy businesses that need
temporary cash and have the means to repay the loan quickly. If you
decide on a cash flow loan, then Xplocial might be right for you.
Boost Your Cash Flow with an Xplocial Loan
Xplocial provides loans with a mission to help successful small
businesses grow. We step in when small businesses cannot obtain a loan
or line of credit from their traditional bank lender. We are not a
merchant cash advance company. We provide loans to small businesses
based on business performance, in addition to credit history, and offer:
- A decision in as fast as 3 business days
- Funding in as fast as 5 business days
- A simple application
- 3- to 18-month terms
- Daily payments to pay down the loan quickly
- No change to your credit card processor
- You're a small, healthy business with a lot of transactions from a broad customer base
- You have steady cash flow
- You are conscientious about paying your bills (you may miss occasionally but you always catch up)
- You need a loan quickly
- You have plans for expansion and a projected return on your investment
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