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What Is Alternative Lending Solutions

Small businesses don’t always have the same leverage in getting loans that big corporations do. Sometimes, you need to use alternative lending solutions to get income fast.

KEF Capital Fuels Businesses with Fast Alternative Funding

Merchant Cash Advance

A merchant cash advance (MCA) is an alternative financing solution that almost all small business owners can use. MCAs are attractive options because:


  • They are unsecured
  • You do not have to provide collateral
  • You do not need a strong credit
  • They have minimal documentation requirements


Once you submit a request for an MCA, you can receive funding in a day. Usually, you will have to provide a few months of bank statements for your small business.


Do not confuse a merchant cash advance with a loan: they are advances of your company’s future receivables. We will gauge how much to give you based on your revenue, credit card sales, industry, daily balances, and the number of deposits.


In exchange, you will agree upon the percentage of future sales that you sell to the lender.

ACH Program

With our Automated Clearing House (ACH) Program, you get a cash advance based on your total gross sales. You sell your future revenue at a discounted rate to get a sum of money. Then, a small, fixed amount will get taken from your bank account on business days until you pay off your advance.


Generally, you will find 4-6 month terms for ACH Programs. However, our company offers terms of up to 24 months.

Line of Credit

Line of credit lets you pay for short-term expenses. If you have fallen behind on inventory or operating costs, you might benefit from this form of small business financing. Like with credit cards, you get a fixed amount of funds to use.


The lender will make regular payments to your business. You withdraw money from this payment to use as you please, and you only pay interest on what you withdraw. The interest rates on a business line of credit are usually lower than credit cards and higher than prime lending rates.

SBA Loan

Small Business Administration (SBA) loans follow federally regulated guidelines to reduce lender risk. You would take a loan from an approved lending partner that suits your company’s needs. SBA loans include:


  • 504 loans
  • 7(a) loans
  • Microloans

Invoice Factoring

With invoice factoring, you determine how much you have in outstanding invoices. Then, you send invoice copies to a lender to form an agreement. They buy the receivables for the value of the invoices and deduct a factoring fee.


You will get a cash advance for some of the purchased amount in a couple of business days. Once the customers pay their invoices, you will get the remainder of the money that you were not advanced.

Merchant Processing

Merchant processing considers how a merchant can accept a transaction payment through secure channels, such as credit cards, e-checks, debit cards, and ACH transactions. A company like KEF Capital can get you access to competitive rates for payment processors.

Medical Practice Financing

When starting as a medical professional, you may need financing help to gain sufficient working capital to expand your business.

Franchise Financing

Growing franchises may need alternative financing to help with renovations, upgrades, cash flow, and expansion.

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