Excel Funding Source (EFS) provides its clients with working capital regardless of their credit score. We strive to provide our clients with world-class treatment, from the initial website visit to notifying you that the deal is closed. In addition, we ensure you receive the funding promptly at the best rate possible without requesting countless documents.

We currently provide our coveted business line of credit, long-term and short-term financing, business cash advances, alternative business funding, and reverse debt consolidation.

A business line of credit is a financing option where the lender provides the borrower with a certain amount of credit that can be borrowed and repaid as needed. Interest accumulates daily until the borrower repays the credit.

Repayment of a business line of credit typically involves making regular payments based on the borrowed amount. Repayment options generally occur weekly. In addition, you will always have access to the credit line as long as you maintain good payment history.

A business cash advance is a financing option where the lender provides a lump sum of money to the borrower in exchange for a percentage of future credit card sales. This alternative financing option gives you access to fast capital without the headache.

Repayment of a cash advance or short-term loan typically involves making regular, fixed payments until the borrower pays off the loan. Repayment options generally occur daily or weekly, depending on the loan's terms.

A long-term loan is a financing option where the lender provides the borrower with a lump sum of money. The long-term loan is to be repaid at a fixed rate within an extended period, typically one to three years.

Reverse debt consolidation is a financing option where the borrower combines multiple short-term debts into a single, longer-term loan with a lower daily or weekly payment. Reverse debt consolidations can save you up to 50% on your daily or weekly draws, which can help borrowers save money and streamline their debt repayment process.

We request your last four months of business bank statements and a one-page application to get started. That's it!

The short answer is no. We don't offer capital at rates comparable to SBA. The SBA's average turnaround time ranges from one month to three months. Meanwhile, we offer funding within 24 hours on average.

Yes, but you may not qualify for our higher-tiered programs. In addition, you must present a zero balance letter or a document that you are working with the company to pay them back.

No. You do not need to put down collateral, as our programs are a form of unsecured debt.

Unfortunately, at this time, we do not provide personal loans. However, this might change in the future.

You need at least six months in business and 10K monthly revenue over the last four months to apply.

Yes, you may still qualify with us as we don't look strongly at your credit as that doesn't represent how you run your business. A number on paper shouldn't prevent you from receiving the funding your business needs.

Industry. Years in operation. Business bank statements. Debit and credit card transaction history. Business revenue Cash flow Vendor payment history

If approved, we will notify you as to the next steps. Generally, funding takes place same-day so long as all required closing documents are in before the cutoff time of 5:00 PM EST.

We provide working capital from as low as $10,000 to 1 Million dollars.

Yes! We will incentivize our clients to pay off early as you can save up to 15% of the total payback if paid off early. Prepayment options vary based on each company, so please ask your sales agent for more information.

Not at all. With our process, there is no cost, no obligation for you to apply, and absolutely no strings attached.

Sure! You can reach us anytime by email at info@excelfundingsource.com or by phone at 1-212-704-6644. One of our dedicated sales agents will help you find the answers you need.