Finance the Equipment That Keeps Your Business Running
Quick approval and simple documentation
Funding in 24–48 hours
Preserve your working capital and stay productive
Find Out How Much You Qualify For
Finance the Equipment That Keeps Your Business Running
Upgrade or replace essential tools and machinery with fast, flexible financing designed for your industry.
Quick approval and simple documentation
Funding in 24–48 hours
Your working capital and stay productive
Find Out How Much You Qualify For
Upgrade Your Operations with Tailored Equipment Financing
$110M+
Financed for Machinery, Vehicles, and Tools
5,000+
Businesses Modernized Across Multiple Industries
97%
Equipment Approval Satisfaction
5–7 Years
Flexible Payment Terms
Hear From Our Happy Clients
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Requirements to Qualify
It’s easier than you think to get approved for a Business Line of Credit. Our application process is built for business owners who need flexible access to working capital — simple, transparent, and fast. Here’s what you’ll typically need:
6+ Months in Business
$20,000+ Monthly Revenue
Revenue required to support asset financing payments.
Business Bank Account
Payments and deposits should route through your business account.
600+ Credit Score
Helps determine loan terms; collateral often offsets score factors.
Requirements to Qualify
It’s easier than you think to get approved for a Merchant Cash Advance. Our application process is designed for business owners who need fast access to working capital — simple, transparent, and quick. Here’s what you’ll typically need:
6+ Months in Business
Your company should be operating in the U.S. for at least six months.
$10,000+ Monthly Revenue
A minimum average monthly revenue is required to ensure repayment capability through future sales.
Business Bank Account
All repayments are automatically deducted from your business bank account.
500+ Credit Score
A fair credit score helps verify your financial reliability, but approval is mainly based on revenue performance.
Requirements to Qualify
It’s easier than you think to get approved for a Working Capital Loan. Our application process is designed for real business owners — fast, simple, and transparent. Here’s what you’ll typically need:
6+ Months in Business
Business must be active long enough to justify equipment needs.
$20,000+ Monthly Revenue
Revenue required to support asset financing payments.
Business Bank Account
Payments and deposits should route through your business account.
500+ Credit Score
Helps determine loan terms; collateral often offsets score factors.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business..
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business.
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately.
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
Is a Merchant Cash Advance Right for Your Business
Merchant Cash Advances provide fast access to capital by using a percentage of your future sales for repayment. Here’s what you should know before deciding if it’s the right option for your business.
Strengths
- Preserve cash flow by spreading equipment costs over time.
- Ownership or leasing flexibility available.
- Helps maintain up-to-date technology and operations.
Weak Points
- Collateralized by the equipment itself.
- May include maintenance or insurance obligations.
- Total cost can exceed cash purchase in the long run.
Why Choose Chartered Merchant Partners?
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Fast Approvals
Get approved within hours — not days — with our streamlined application process.
Flexible Terms
Choose the repayment structure that fits your business cash flow.
Dedicated Support
Our funding experts guide you through every step — from application to success.
Transparent Rates
No hidden fees. No surprises. Just clear terms and honest funding
FAQs — Working Capital Loan
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
You generally need to show consistent business revenue, at least three months of operating history, and basic financial documentation. Credit requirements are more flexible than traditional bank loans.
Most businesses receive funding within 24 to 48 hours after approval, depending on the lender and how quickly documents are submitted.
You can use it for operating costs like payroll, inventory, rent, or to manage seasonal cash flow gaps — basically anything that helps your business stay on track.
No, the initial application uses a soft credit check, which doesn’t affect your score. A hard inquiry only occurs once you decide to move forward with full approval.
Smart funding for modern businesses.
Flexible options designed for real-world needs.