Financing

At MS-Business & Payment Services, we specialize in helping businesses grow through tailored financing solutions. Whether you’re looking to purchase real estate, refinance your current property, or secure working capital, we offer a range of loan options with competitive rates designed to meet your specific needs.

Financing Options:

  •   Real Estate Loans: Purchase or refinance commercial property.

  •   Business Lines of Credit: Perfect for working capital, equipment financing, renovations, expansions, opening new locations, or increasing inventory, marketing, or sales.

Loan Guidelines:

  •   Must own the business for at least 1 month.

  •   Monthly minimum net sales of $17,000+.

  •   Must have a brick-and-mortar establishment.

  •   Minimum credit score of 551.

  •   No bankruptcies preferred.

Loan Terms:

  •   Loan amounts up to $1.5 million.

  •   Fixed loan terms up to 36 months.

  •   Interest-only options available.

  •   Fixed weekly payment plans.

Benefits of Our Financing:

  •   Loan amounts are based on net sales, not tax returns.

  •   Limited documentation required for faster approval.

  •   True bank loan – interest is tax-deductible.

  •   Low credit scores accepted (as low as 551).

  •   Soft credit pull only – no hard inquiries.

  •   Receive funds in as little as 15 days.

  •   Specialty for Restaurants: Proud to be the #1 restaurant lender in the U.S.

Why Choose Us?

Banks often don’t lend during a crisis, but we’re here to provide reliable financing solutions to keep your business growing. Remember, the best time to get a line of credit is when you don’t need one.

Let us help you secure the funding you need to grow and manage your business. Contact us today to get started!