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happy women - working capital for small business Smiley's Cafe Manayunk, PA Factoring 2.0 Report and Calculator
Smiley's Cafe Manayunk, PA

The Dress Matters

Philadelphia, PA
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"Once I got everything they requested,
it was approved and
the money was in the bank in two days."

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Read the full story. Arrow


Research demonstrates that the majority of small businesses will require assistance with funding this year. Are you one of them?

Launching a small business can be exciting, but without proper funding you may find it difficult, if not impossible, to get your business off the ground. Building your business can be even more challenging if your credit is poor and you're in need of bad credit loans.

Whether you need to launch a new service or product, or you want to enhance your company's existing offerings, you can obtain the funding you need to make your dreams a reality with financing services and loans designed specifically for small businesses. Business owners in and around Philadelphia have a number of resources and options available.

At 48 Factoring, we understand that growing a business requires more than simply a good idea. It also requires the initial funding to bring that idea to fruition. Far too often, however, securing the funds you need requires waiting, frustration, and stress. From purchasing addition equipment to investing in your space, to paying vendors to keep your business afloat, we want to be a part of your growth. That is why we're pleased to offer Factoring 2.0™. It's an easier and faster way to help businesses with the funding they require when they need it.

How Factoring 2.0™ Works

Traditional banks make funding decisions based on your credit score. This is precisely why many business owners are rejected for small business loans and seek bad credit loans online. Instead of looking at solely your credit score, we use a proprietary method—Factoring 2.0™, which takes more than 800 factors into account—to arrive at a lending decision. While your credit score is one of the many factors we take into consideration, it's not the sole factor to determine funding approval or rejection. Instead, we focus on obtaining a more informed view based on your business' past performance as well as its projected future performance. We want to know not just where you have been, but also where you're going.

Along with providing better information for us, Factoring 2.0™ is also much easier for applicants. While you would typically be required to submit a massive amount of paperwork when applying for a business loan with a traditional bank, you will submit minimal paperwork with us. Beyond that, you will receive a funding decision in just 48 hours.

Applying for Bad Credit Loans Online

From time to time, everyone experiences a little financial difficulty. Business owners can be particularly vulnerable to difficult financial times. Such problems could be related to a downturn in business, the seasonal nature of business, or unexpected expenses. It could even be that you made some poor financial decision in the past and are now working to rectify those mistakes. Whatever the case may be, bad credit can often prevent you from obtaining the funding you need when applying for a business loan through a traditional bank.

At 48 Factoring, we believe that your loan decision should be based on more than just your credit score. Although traditional banks are typically hesitant to grant bad credit loans, we believe that everyone deserves a second chance. Our proprietary Factoring 2.0™ process provides the second chance you need to obtain necessary funding to keep your business afloat during difficult times, or even meet your growth objectives. There is no reason to feel ashamed regarding a bad credit score or allow it to prevent you from obtaining the funding your business needs to grow and succeed. Options are available for bad credit loans online.

Requirements for Qualification

We're pleased to work with a diverse clientele representing every industry. If you're in need of financing options for your startup, you will need to meet the following qualifications:
  • Must have been in business for a minimum of one full year
  • Must have generated a minimum of $120,000 in revenue over the past 12 months
If you meet the above requirements and would like to submit a request for business funding, click here to proceed with the application process.

Why Choose 48 Factoring?

Securing capital through 48 Factoring works differently than securing working capital or funding through a traditional bank. We're committed to providing the most pleasant experience possible, and believe the different approach we take makes it easier for our clients, while also producing better results.

  • Funding Range
  • Approval Speed
  • Minimal Paperwork
  • Decision Based on Company's
    Past and Future Performance
  • Not Based on Owner's
    Credit Score
  • Fast Application Process
Factoring 2.0™
  • $10,000+
  • 48 hours
  • yes
  • yes
  • yes
  • yes
Bank Loan
  • $100,000+
  • 30 days
  • No
  • No
  • No
  • No

Compared to traditional banks, the 48 Factoring difference provides a more well-rounded review, based on Factoring 2.0™, our proprietary system. By taking more than 800 factors into account, only one of which is your credit score, we can assure you a fairer decision, less paperwork, and a faster funding decision.

The complete process usually takes less than 48 hours. Click here to get started.

Check if You Qualify for Business Funding

Check Eligibility