Business Loans in North Carolina

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Entrepreneurs in the state of North Carolina are on the hunt for funding solutions that best meets there needs. It can be a daunting task, as every company has its own unique hoops to jump through when dealing with lenders such as a bank or credit union which creates specific financing requirements.

Here at AdvancePoint Capital, we offer a wide range of small business loans and short-term cash flow options for entrepreneurs. If you require financial support for growth to expand, need to keep operations afloat due to the economy, finance renovations to your business, or plug cash flow leakages — we can help and provide a loan program for you that a bank cannot.

You’ve probably taken a look at traditional loan options from a bank, credit union or other financial institutions, and noticed that you’ve coming up empty-handed. Maybe you’ve been denied due to poor credit history, the program guidelines are tough or perhaps you’re too afraid to be denied at all. Some entrepreneurs may even be waiting on the bank’s final decision and are running short on time.

Our services offer small businesses alternative financing solutions for business owners just like you to get the cash you need — fast, with a quick decision. Our lenders Network has a variety of products and terms. Let’s get started, try out our services, and learn about our small business menu of funding options and what lenders are available for your success.

How Do I Get A
Small Business Loan in North Carolina?

Getting a small business loan is easier than you might think. Advancepoint Capital is here to help you get the money you need to grow your business. We offer a variety of loan products that can be tailored to entrepreneurs specific needs, so you can get the financing you need without breaking the bank.

So what are you waiting for? Contact us today and let us show you how easy it is to get the money your business needs!

The 9 Best Financing Options and Resources for
North Carolina Small Businesses

small business loan

Small Business Loans

Small business term loans are the most requested by business owners because of the fixed rates and terms.

SBA Loan

SBA Loans

The Small Business Administration loans are affordable with great rates and terms. SBA loan program does require some paperwork and investment in time to get approved as qualifications are stringent. It's worth the work and effort if your qualified.

Merchant Cash Advance

Merchant Cash Advance

Merchant cash advance comes in handy when you can't get approved for traditional business financing and process a lot of card sales.

Small Business Cash Advance

Business Cash Advance

Business cash advance is not a loan, but an advance, based on the businesses annual revenue. The repayment of the advance is a set percentage of future sales deposits until paid back in full. A popular alternative when you can't get approved for traditional financing.

Business Line of Credit

Business Line of Credit

A business line is a great tool that allows business owners to draw funds when needed up to a limit. Interest is only paid based on the outstanding balance. Entrepreneurs love this product because of flexibly and the ability to save money on interest if paid off early.

Equipment Financing

Equipment Financing

Equipment loans are used by business who rely on heavy or expensive equipment to operate there business and need to spread the cost of the purchase over years.

Invoice Financing

Invoice Financing

Businesses who invoice there customers on a monthly basis can utilize invoice financing. Invoice finance companies will advance an issued invoice as long as it's within the terms of the invoice when issued whether it be 15, 30,45 or 60 days. This product accelerates cash flow.

Short-Term Business Loan

Short Term Small Business Loans

A short term business loan is defined as terms between 6 to 18 months to repay. Popular with businesses who cannot get approved for traditional financing.

Long Term Business Loans

Long Term Business Loans for North Carolina

Long term business loans are designed for businesses that have large expansion plans and need to spread the cost over years, not months, to get affordable payments based on current monthly revenues.

north carolina resource guide 1

U.S. Small Business Administration

How to Grow Your Business in North Carolina

View the North Carolina Small Business Resource Guide for information and assistance in growing your local business, exploring funding options, and contracting in North Carolina.

U.S. (SBA) U.S. Small Business Administration
Charlotte, NC District Office

Find local assistance

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Why Does Your Business Need a Small Business Loan?

What Are the Funds Going to Be Used For?

The first step in choosing your ideal financing solution is to outline why exactly you need a loan in the first place. Let’s explore some popular reasons for financial help.

  • Access to Working Capital
  • Fund Purchases and Repairs
  • Access Capital for Inventory
  • Business Expansion
  • Cash Flow shortages
  • Access to Capital for Emergencies
  • Advertising / Marketing / Customer Acquisition resources
  • Create jobs, Recruitment of Employees and Training Resources
  • General Business Purpose

Additional Resources and Information in the State of North Carolina Small Business Owners

North Carolina Small Business Development Fund – Carolina Small Business is a statewide nonprofit and Community Development Financial Institution (CDFL). They serve and lend to start-ups and existing small businesses across the state, serving every city, emphasizing small businesses that have difficulty accessing financing through traditional lending resources.

Additional Resources for North Carolina Businesses

Which Business Funding Is Right for Your North Carolina Small Business?

We wish there were a universal solution that every business could put their faith into, but that’s simply not how business funding works. Every business demands certain outcomes and terms — and finding a lending option that best suits your particular circumstances means digging a little deeper. The good news is that there are several business loan options available.

The benefits of working with AdvancePoint Capital are that we’ve established ourselves as a trusted funding partner for businesses throughout North Carolina. With a wide variety of loan options, terms, and payment options available. We’re able to empower business owners throughout the state to move their company forward and expand.

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Get Started Today

AdvancePoint Capital makes the loan application process a simple, straightforward experience.

Frequently Asked Questions

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