Your Business Runs.
Your Cash Flow Should Too.

Alternative lending refers to funding solutions outside traditional banks and credit unions. Instead of requiring strong personal credit and years of tax returns, alternative lenders focus primarily on your business revenue and monthly cash flow. The approval process is faster, the requirements are more flexible, and the products are designed around how businesses actually operate.

A merchant cash advance is not technically a loan. It is a purchase of a portion of your future business revenue. The funder provides a lump sum upfront and collects repayment through a fixed percentage of your daily or weekly bank deposits. Because repayment is tied to your revenue, it flexes with your business. When you have a strong week you pay more. When business slows you pay less.

Repayment varies by product. Business term loans have fixed monthly payments over a set term. Lines of credit are revolving and you repay what you draw. Merchant cash advances collect a percentage of daily deposits automatically. Equipment financing follows a fixed schedule tied to the asset. Invoice factoring is repaid when your client pays the factoring company directly. We walk you through every repayment structure before you sign anything.

Exploring your options with Eastland Business Solutions LLC does not affect your credit score. We do not pull your credit or submit your information to any lender without your explicit consent. When a formal application is submitted to a lender a credit inquiry may occur depending on the product. We always tell you exactly what to expect before anything is submitted.

Funding amounts vary by product and by your specific business profile. A merchant cash advance is typically based on one to two times your average monthly deposits. Term loans consider revenue, time in business, and credit profile. Equipment financing is based on the value of the equipment. We review your numbers in our consultation and give you a realistic picture of what is available before anything is submitted.

A bank denial does not disqualify you from alternative funding. Alternative lenders evaluate your business differently. They look primarily at your monthly revenue, deposit history, and time in business rather than your credit score alone. Many of our clients were declined by traditional banks and successfully funded through alternative products. A consultation will tell you clearly where you stand.

It depends on your current position. Some lenders will fund businesses with an existing advance if your revenue is strong enough to support the additional obligation. Others require the existing advance to be paid off first. A consolidation strategy may also be an option. We review your full situation and tell you honestly what is realistic before recommending a path forward.

Speed depends on the product and how quickly documentation is provided. Merchant cash advances can fund within 24 to 72 hours of a complete submission. Business term loans typically fund within 3 to 7 business days. Equipment financing may take 5 to 10 business days. Invoice factoring can fund within 24 to 48 hours of invoice verification. We always give you a realistic timeline before you apply.

No. Alternative funding products are designed for businesses whose credit profile does not meet traditional bank standards. Most lenders in our network look primarily at your monthly revenue and bank deposit history. A credit score of 600 or above puts you in a strong position, but lower scores may still qualify depending on how strong your revenue is.

For most alternative funding products the timeline from initial consultation to funding is three to seven business days depending on how quickly documentation is submitted and how clean your bank statements are. Merchant cash advances can move faster, sometimes within 24 to 48 hours of a complete submission.

To begin the review process we typically need four months of business bank statements, a voided check, a one-page funding application, and basic business information including your legal business name and time in business. We always tell you exactly what is needed before you gather anything.

No. There is no upfront cost and no fee to explore your options. Eastland Business Solutions LLC operates on a success-based model, meaning our fee is paid by the lender only when a deal successfully funds. You never pay out of pocket to find out what you qualify for.

Not every business qualifies on the first submission and that is completely normal. If you do not qualify we will tell you exactly what the lender flagged, what you would need to strengthen, and what a realistic timeline looks like to reapply. You are never left without a clear next step. A no today does not mean a no permanently.

A direct lender provides the capital themselves. A broker like Eastland Business Solutions LLC works with a network of lenders and presents your profile to multiple funding sources simultaneously. The advantage of working with a broker is that your profile gets reviewed by more than one lender at a time, which increases your chances of approval and gives you multiple offers to compare.

Most brokers send your application to whoever approves it fastest without regard for fit. We take a different approach. We review your full business profile first, identify which products actually make sense for your situation, and present you with options that match your revenue, your timeline, and your goals. For contractors, that means working with someone who spent over four years in the insurance claims industry alongside businesses like yours and holds a Certified Debt Specialist certification through the International Association of Professional Debt Arbitrators.