Grow Business Revenue With E&F Capital Group!

Up to $3M in Same-Day Working Capital
(Minimal Documentation Requirements)

Apply Today! Call +1.888.981.8152 

 

Submit

Complete our easy online application & submit all required business docs.

 

Review

Applicants are diligently reviewed for affordable working capital solutions.

 

Funded

Accept approval offer sent & receive funds for same-day banking deposit.

Super Fast Approvals!
  1. Same-Day Approvals
  2. Low Credit? Your OK!
  3. 'Soft' Credit Inquiries
  4. Prime Support Team

Funding Qualifications

Funding Qualifications:

+ Completed/Submitted Online Application
+ Last 4 Months of Business Banking Statements
+ Minimum $10,000 in Monthly Business Revenue
+ 6 Months TIB (Registered U.S. Business)
+ 500+ Personal FICO Score
+ A, B-C, D Paper Tier Funding (5th MCA position+)
+ 10 Deposits Monthly Min
+ NSFs/3 Monthly Max
+ No Lowered or Missed Payments
+ No Open Bankruptcies or MCA Defaults
+ U.S. Citizenship
Funding Qualifications:

+ Completed/Submitted Online Application
+ Last 4 Months of Business Banking Statements
+ Minimum $50,000 in Monthly Business Revenue
+ 6 Months TIB (Registered U.S. Business)
+ 500+ Personal FICO Score
+ Consolidate up to 5 Merchant Cash Advances
+ 15 Deposits Monthly Min
+ NSFs/3 Monthly Max
+ No Lowered or Missed Payments
+ No Open Bankruptcies or MCA Defaults
+ U.S. Citizenship

++ We require the 1st page of each MCA contract to be consolidated for accuracy in calculating a debt schedule for current outstanding MCA balances. If contract(s) are not available, submit current Payoff Letters and/or Portal Views instead from funders' owed dated within the last 30 calendar days.

Document Requirements

MCA Working Capital Submissions
+ Completed/Submitted Online Application
+ Last 4 Months of Business Banking Statements

Reverse Consolidation Submissions
+ Completed/Submitted Online Application
+ Last 4 Months of Business Banking Statements
+ We require the 1st page of each MCA contract to be consolidated for accuracy in calculating a debt schedule for current outstanding MCA balances. If contract(s) are not available, submit current Payoff Letters and/or Portal Views instead from funders' owed dated within the last 30 calendar days.

(Submissions after the 15th day of any calendar month must include Month-To-Date Bank Statement). Additional documentation or 'STIPS' may be required further into underwriting your file as needed.
A clear copy of 'each applicant' Drivers License and a clear copy of Voided Check from the business account attached to your application. Additional documentation or 'STIPS' may be required further into underwriting your file as needed. 
Why E&F Cap?
E&F Cap solves the challenges that businesses face in securing funding. We tailor solutions to the needs of each business.
  • Business Funding Up To $3 Million
  • Affordable Daily/Weekly Payments
  • Early Payback Discount Incentives
  • As Low As 1.29 Deal Factor Rates
  • Terms Vary Extending Up To 2 Yrs

Note: Merchant Cash Advances or MCAs are not traditional business loans rather a B2B cash transaction in which a business sells a percentage of company future incoming revenue (ex. account receivables, bank deposits or credit card sales) to a commercial funder in exchange for "upfront working capital". Repayment of these funding transactions are accomplished by way of automatic deduction from a company’s credit card sales or banking deposits via daily or weekly ACH payments.
  • Business Funding Up To $300,000
  • Affordable Daily/Weekly Payments
  • Early Payback Discount Incentives
  • As Low As 1.39 Deal Factor Rates
  • Consolidate Up To 5 Stacked MCA 

Businesses with multiple MCAs in place can find it challenging from a cash flow perspective to balance their daily and/or weekly payment obligations. An MCA Reverse Consolidation helps business owners pay off their current MCA positions without default, which opens up cash flow for other crucial business needs.

Each week on Monday/Tuesday funder will deposit the complete amount of your current daily and/or weekly MCA payments into your business bank account throughout the term of the Reverse Consolidation contract.

"The business in turn, will make a reduced single regular daily payment or one reduced single weekly payment (Monday through Friday if daily or Thursday/Friday if weekly) with an extended term to cover complete costs of the Reverse Consolidation funding".

The advantage of this solution is that the Reverse Consolidation is for a longer term and at a better rate than your current MCAs. This approach allows your business to meet its current MCA responsibilities, loosen up cash flow while paying back the Reverse Consolidation with more favorable numbers.

In some cases, funder may offer a build-in of additional working capital into the Reverse Consolidation structure to help recharge your short-term cash flow and revenue growth. Our Reverse Consolidation solutions can produce 'instant' payment discounts ranging from 25-60% of what you are currently paying out depending on the consistency and strength of overall MCA payment history and average proven routine daily/weekly revenue.
Who We Serve?
E&F Cap offers solutions for all types of businesses. We work with your specific industry applying unique options for each business category.
  • Accounting
  • Auto Shops
  • Agriculture
  • Consultants
  • Construction
  • Contractors
  • Electronics
  • Energy
  • Fitness
  • Grocery Stores
  • Healthcare
  • HVAC
  • Learning Centers
  • Liquor Stores
  • Machinery
  • Manufacturing
  • Marijuana/CBD (State Regulated)
  • Mechanics
  • Media/Entertainment
  • Medical Companies
  • Online Businesses
  • Professional Services
  • Plumbing
  • Rehabilitation Centers
  • Restaurants/Cafes
  • Retail Stores
  • Storage Facility
  • Technology Companies
  • Transportation/Trucking
  • Warehousing
  • Wholesale
  • Utility Companies
🚫 Prohibited Industries
  • Adult Industry
  • Credit Counseling
  • Cryptocurrency
  • Debit Consolidation
  • Financial Institutions
  • Firearms
  • Gambling/Gaming
  • Jewelers
  • Law Firms
  • Money Services
  • Movie Production
  • Non Profits.

High Risk Industries E&F Cap May Consider
  • Auto Dealership/Sales
  • Gas Stations
  • Import/Export
  • Recycling
  • Real Estate Management Firms
  • Travel Agencies
E&F Partnership
E&F Cap referral partnership program invites financial professionals seeking working capital for clients. We offer very competitive payouts.

 +E&F Cap Position Book+

A PAPER (TRUE REV)

MOST POPULAR
$50000.00

B-C PAPER (TRUE REV)

MOST POPULAR
$25000.00

D Paper (True Rev)

MOST POPULAR
$10000.00
 
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Next Generation MCA
NO DAYS OFF!!! (7 DAY/24 HOUR MCA)
+ Program Begins 1st Quarter 2025 +
LOWER COSTS & NO INTERMEDIARIES
+ No Funding Transfer Cut-off Times +

MCA vs Traditional Bank Loans

  •  8/10/2024 04:06 PM

When businesses need financing, they typically consider traditional bank loans or revenue-based funding, commonly known as merchant cash advances (MCA). Both options provide essential capital but differ significantly in structure, requirements, and cost...

2 min read
Read More

MCA vs Equity Financing

  •  8/10/2024 03:37 PM

When businesses seek financing, they often weigh the options between a Merchant Cash Advance (MCA) and raising capital through equity, which can dilute ownership. Each option has distinct advantages, but for those looking to maintain control over their company, an MCA offers compelling benefits...

2 min read
Read More

10 Reasons to Secure Business Funding in an Election Year Marked by Uncertainty

  •  8/10/2024 02:25 PM

Election years often bring about significant uncertainty in the business environment, especially when the outcome is unclear. Securing business funding during such a period can be a strategic move. Here are 10 reasons...

1 min read
Read More

Apply Now

 
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++ Bank Statements *Required for both Merchant Cash Advance & Reverse Consolidation.
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++ MCA Contracts *Required for Reverse Consolidation only.
AUTHORIZATIONS I/We affirm My/Our identity as the representative individual(s) identified in the above application, and I/We declare that the individual(s), who is either a principal of the application or a personal guarantor of its obligations, provides instruction and authority to E&F Capital its Representatives, Designee as well as and in addition to any assignee thereof that may be involved with or acquire commercial funding having daily and weekly repayment features or purchase of future receivables including Merchant Cash Advance transactions authorizing obtaining and review of My/Our personal credit profile(s) from a national credit bureau. Such authorization shall extend to obtaining credit profile(s) in considering this application and subsequently for the purpose of update, renewal, or extension of such credit and for reviewing or collecting the resulting account. An electronic record of this authorization is in effect until canceled in writing by electronically signing below, or photostatic copy or facsimile copy of this authorization shall be valid as the original. By electing to check the box below, I/We with full knowledge and consent and I/We are legally bound to these terms and conditions. I/We agree and understand that by signing this Electronic Signature Acknowledgment, that all electronic signatures are the legal equivalent of My/Our manual/handwritten signature(s) and I/We consent to be legally bound to this agreement. I/We further agree My/Our signature(s) on this document are as valid as if I/We signed the document in writing. This is to be used in conjunction with the use of electronic signatures on all forms regarding any and all future documentation with a signature requirement, once I/We elect to have signed electronically. Under penalty of perjury, I/We herewith affirm that My/Our electronic signature(s), and all future electronic signatures, were signed by I/We with full knowledge and consent and I/We are legally bound to these terms and conditions. 
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Toll Free: +1.888.981.8152
Em: info@efcapgroup.com

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