Business Funding

Flexible funding built for high-risk businesses.

Traditional lenders pass on businesses like yours based on industry alone – not your actual financial health. Green Financial works with a wide range of funding options built specifically for high-risk industries, with higher approval rates, flexible repayment terms, and a straightforward process that gets capital to you fast.

6

Funding Types

30 yr

Max Loan Term

Fast

Access to Capital

Funding Options

💳

Unsecured Line of Credit

No collateral required

🏗️

Asset Based Lending

Leverage your business assets

🔄

Business Line of Credit

Draw and repay as needed

📄

Accounts Receivable Financing

Turn invoices into capital

⚙️

Equipment Financing

Acquire equipment, preserve cash

⚡

Merchant Cash Advance

Fast capital against future sales

High

Approval rates for legal businesses

30 Years

Maximum repayment terms available

Fast

Access to capital when you need it

19+

High-risk industries funded

Why Green Financial

Funding that works with your industry, not against it.

Higher Approval Rates

Traditional lenders decline high-risk businesses based on industry classification alone. Green Financial partners with lenders that evaluate your actual business health and ability to repay.

Flexible Repayment Terms

Repayment terms of up to 30 years - allowing for manageable monthly payments that align with your cash flow instead of straining it.

Multiple Funding Options

Six different funding structures to match what your business actually needs - whether that is revolving credit, invoice financing, equipment loans, or a fast cash advance.

Beyond Traditional Lending

We go past standard bank products by leveraging accounts receivable, business assets, and future sales to structure funding that traditional lenders won't offer your industry.

Funding at a Glance

30 yr

Maximum repayment terms on select products

24-48hr

Typical time to access funds on some products

70-85%

Invoice value accessible via AR financing

~100%

For legal high-risk businesses - even with bad credit or prior terminations

Funding Options

Six ways to fund your business growth.

Each product is built for a different situation. If you are not sure which fits your business, contact us for a free consultation and we will point you in the right direction.

🏪

Standard POS System

Our preferred standard setup, including the SwipeSimple mobile payment option. Covers the core operations for single-location retail - inventory, discounts, tips, and invoicing - without unnecessary complexity.

🏗️

Asset Based Lending

A loan secured by the value of your business assets - inventory, accounts receivable, equipment, or other physical collateral. Access working capital your balance sheet already has locked inside it.

🔄

Business Line of Credit

A flexible revolving credit limit you draw from as needed. Use it to manage cash flow, cover short-term expenses, or handle unexpected costs - without reapplying each time.

📄

Accounts Receivable Financing

Turn unpaid invoices into working capital instead of waiting 30, 60, or 90 days for customers to pay. Covers both factoring (invoices already shipped) and PO financing (purchase orders before production).

⚙️

Equipment Financing

A loan built specifically for purchasing business equipment, with the equipment itself serving as collateral. Acquire what you need now, pay in manageable installments, and own it outright when the loan is done.

⚡

Merchant Cash Advance

A lump sum of capital upfront in exchange for a percentage of your future credit card sales. Repayment adjusts automatically with your daily sales volume - slower months mean smaller repayments.

How It Works

Getting funded is straightforward.

No lengthy paperwork, no guessing. Here is what happens from first contact to capital in your account.

01

Free Consultation

Tell us about your business - revenue, industry, and what you need funding for. We identify which product fits and what you can realistically qualify for.

02

Application

Submit a straightforward application. Requirements vary by product - some need bank statements, some need invoice data, some need asset details. We walk you through it.

03

Review and Approval

Our team reviews your file and matches it to the right lender or funding structure. We handle the back-and-forth so you are not chasing down decisions.

04

Review and Approval

Once approved, funds are delivered according to the product timeline - same day for some products, a few days for others. You start using capital right away.

Product Comparison

Find the right fit for your situation.

Each funding product is designed for different needs. Use this to narrow down what makes sense before we talk.

Product

Best For

Speed

Unsecured Line of Credit

Short-term cash needs, operational gaps

Days

Asset Based Lending

Asset-heavy businesses needing working capital

Days to weeks

Business Line of Credit

Ongoing operational flexibility

Days

AR Financing

Businesses waiting on slow-paying customers

24-48 hours

Equipment Financing

Purchasing machinery, vehicles, or technology

Days

Merchant Cash Advance

Fast capital, businesses with strong card sales

Same day to 2 days

FAQ

Business funding questions.

What is asset-based lending and how does it work?

Asset-based lending involves securing a loan by using business assets – inventory, accounts receivable, or equipment – as collateral. The loan amount is based on the value of those assets. It suits businesses with significant physical or financial assets that need working capital without relying on credit score alone.

How does equipment financing differ from a regular business loan?

Equipment financing is designed specifically for purchasing business equipment, with the equipment itself serving as collateral. Unlike general business loans, the terms and amounts are tied to the value and type of equipment being financed – not purely your credit profile.

What are the advantages of a business line of credit?

A business line of credit gives you revolving access to funds up to a set limit – draw and repay as needed. You only pay interest on what you borrow. It is a practical tool for managing cash flow, covering short-term expenses, or handling unexpected costs without reapplying for a loan each time.

What is the difference between an unsecured and secured line of credit?

An unsecured line of credit does not require collateral – it is approved based on your business’s creditworthiness. A secured line of credit requires you to pledge assets, which typically results in lower interest rates for the lender’s reduced risk. Unsecured lines often come with higher rates to offset that risk.

Can high-risk businesses qualify for funding?

Yes. Green Financial works specifically with high-risk businesses that traditional lenders often decline based on industry alone. CBD, cannabis, kratom, firearms, nutraceuticals, and other regulated industries are all served. Approval rates are high, and many products do not require strong credit scores.

Can equipment financing be used for used equipment?

Yes. Equipment financing is available for both new and used equipment. Terms and loan amounts are adjusted based on the condition and value of the equipment. Used equipment financing is often a cost-effective way to get what you need without the higher price of new.

How does invoice financing benefit my business?

Invoice financing lets you borrow against outstanding invoices instead of waiting 30, 60, or 90 days for customers to pay. Businesses typically access 70-85% of the invoice value upfront within 24-48 hours. It helps cover operating expenses, payroll, and inventory purchases without adding traditional debt to your balance sheet.

What is a merchant cash advance and what should I know before applying?

A merchant cash advance provides a lump sum upfront in exchange for a percentage of future credit card sales. Repayment is automatic – deducted daily from card transactions. It is fast and requires no collateral, but businesses should understand the factor rate structure before applying, as it differs from traditional interest rates.

What are the typical terms for asset-based lending?

Asset-based lending terms generally range from one to five years depending on the value of the collateral and the business’s needs. Some structures can extend longer. Green Financial works with you to match the loan term to your repayment capacity.

How quickly can I access funds through AR financing?

Funds are usually available within 24 to 48 hours after invoices are verified and approved. Most factoring transactions are completed within a 30-45 day period, though terms can extend to 90 days based on your customer agreements.

Do I need good credit to qualify for business funding?

Not for all products. Accounts receivable financing, for example, is primarily based on your customers’ creditworthiness – not yours. Equipment financing depends largely on the asset value. Merchant cash advances focus on your sales volume. We have options that work across a wide range of credit profiles.

What can I use business funding for?

Any legitimate business purpose – inventory purchases, equipment acquisition, marketing, hiring, expansion, covering operational costs, or bridging a seasonal cash flow gap. There are no restrictions on how you deploy the capital, as long as it is for your business.

Ready to get funded

Stop waiting on capital your business needs now.

Contact us for a free consultation and we will identify which funding option fits your business and what you can qualify for – no commitment required.