Frank Business Solutions
Working Capital Financing Built Around Your Business
Access capital for payroll, inventory, marketing, repairs, expansion,
seasonal needs, or an unexpected opportunity—with personal guidance from
someone who has worked in business financing since 2007.
Frank Business Solutions helps business owners understand the
available structures, compare the true cost and payment obligation, and
pursue an option that fits the business rather than simply accepting the
first offer presented.
Already have an offer? Get a Second Opinion
Financing is provided by third-party lenders and funding
partners. Approval, terms, funding amount, and timing are not
guaranteed.
Direct access to Frank
Focused lender matching
Clear offer comparison
Financing
should solve a problem, not create a new one
Working capital can help a healthy business manage timing gaps or act
on a valuable opportunity. The wrong structure, however, can strain cash
flow and limit future options.
Before recommending a path, Frank reviews the reason for the
financing, recent revenue and deposits, existing obligations, desired
payment frequency, timing, and the business’s ability to handle the
payment. The goal is not to push the largest approval. It is to identify
a responsible structure and explain it clearly.
Common uses for working
capital
- Payroll and operating expenses
- Inventory and materials
- Marketing and customer acquisition
- Repairs and unexpected expenses
- Seasonal cash-flow gaps
- Expansion or a new location
- Contract mobilization and project costs
- Refinancing or consolidating eligible business obligations—see when an MCA refinance may make sense
- Taking advantage of a time-sensitive opportunity
Working capital structures
vary
“Working capital” describes how the proceeds may be used, not one
specific financial product. Depending on the business and the provider,
an offer may be structured as a business loan, line of credit,
revenue-based financing arrangement, or purchase of future
receivables.
The agreement determines the legal structure and repayment
obligation. Before you accept an offer, Frank can help you review:
- The amount the business actually receives
- Total repayment or purchased amount
- Payment amount and frequency
- Term or estimated delivery period
- Interest rate, factor rate, or other pricing method
- Origination, closing, consulting, or other disclosed fees
- Prepayment terms and whether early payoff creates savings
- Personal guaranty and collateral requirements
- Renewal, default, reconciliation, and confession-of-judgment
provisions, when applicable
Merchant cash advances are one working-capital path
An MCA may fit a business that needs capital for a defined opportunity and can comfortably support the payments. Offers Frank commonly sees use a set daily or weekly withdrawal, with terms often ranging from 3 to 18 months. The amount, total payback and early-payoff options depend on the business and the offer.
A business line of credit is also worth exploring. Frank can help you see whether you qualify for both, then compare usable cash, payment schedules, total cost and prepayment terms before choosing.
Who may qualify
Every funding provider uses different guidelines. Decisions may
consider:
- Time in business
- Monthly revenue and deposit consistency
- Number of monthly deposits
- Average and ending bank balances
- Negative-balance and overdraft history
- Personal and business credit
- Existing loans, advances, liens, and payment obligations
- Industry, ownership, and location
- Intended use of funds
A lower credit score or an existing financing obligation does not
automatically mean there is no option. It may affect the providers
available, approval amount, pricing, payment frequency, or required
documentation.
How the process works
1 Talk with Frank
Explain what the business needs, why the capital is needed, and what
an affordable payment looks like. This initial conversation helps
determine whether working capital—or another product—makes sense.
2 Complete a secure
application
If there appears to be a reasonable path, Frank will provide the
application for you to complete and sign. He will then request the
financial documents needed for the working-capital option and ask you
to email them separately. Bank statements are commonly requested, but
the exact documents and number of months vary by product and lender.
3 Review a focused set of
options
Frank evaluates the file and approaches selected funding sources
based on the business’s qualifications and goals. Your information is
not sold as a marketing lead. With your authorization, it may be shared
with selected third-party lenders or funding partners that may be
appropriate for the request.
4 Understand the complete
offer
Before moving forward, review the proceeds, cost, payment, frequency,
term, fees, prepayment language, security requirements, and any other
important contract provisions.
5 Close and fund
Once an offer is accepted and final underwriting conditions are
satisfied, funding may occur in as little as 24 hours for some products.
Timing varies and is not guaranteed.
Documents commonly requested
- Completed business financing application
- At least three recent business bank statements
- Owner identification
- Voided business check or verified business banking information
- Current debt or advance balances
- Additional financial statements or tax returns when required
After you sign the application, Frank will identify which of these
items apply to your request and ask you to email them separately.
Complete, accurate documents help him review the right options.
Compare common financing
paths
| Option | Often useful for | Payment structure | Important considerations |
|---|---|---|---|
| Working capital financing | Immediate operating needs, opportunities, seasonal gaps | Daily, weekly, or monthly depending on product | Compare total cost, payment burden, prepayment terms, and legal structure |
| Business line of credit | Repeat or unpredictable short-term needs | Payment generally applies only to amounts drawn | Availability, draw fees, interest, renewal rules, and personal guaranty |
| Invoice factoring | B2B companies waiting on customer invoices | Advance against eligible receivables | Customer eligibility, concentration, fees, recourse, and notification |
| Business term loan | Planned investments with predictable repayment | Usually fixed weekly or monthly payments | Credit, profitability, time in business, collateral, and documentation |
| SBA financing | Longer-term growth, acquisitions, real estate, equipment, or eligible refinancing |
Monthly payments over a longer term | Qualification and closing generally require more documentation and time |
Considering a line of credit alongside an MCA for an uneven cash-flow need? Our business line of credit vs. merchant cash advance guide compares qualifications, payment schedules, total cost, and early-payoff terms so you can explore both paths.
Why work with Frank
Business Solutions
Direct
access to an experienced financing professional
You work directly with Frank—not a call center or an automated sales
funnel. Frank has worked in business financing since 2007 and has helped
evaluate financing for businesses across a wide range of industries and
financial profiles.
A focused approach
The goal is to identify appropriate funding sources based on the
actual file, not distribute an application indiscriminately.
Straightforward offer review
Frank explains the payment, cost, contract structure, risks, and
tradeoffs in plain language. If an offer does not make sense for the
business, he will say so.
Support beyond the first
transaction
Business needs change. Frank’s approach is built around long-term
relationships, responsible follow-up, and helping clients improve their
future financing options.
Frequently asked questions
Is working capital financing always a loan?
No. Working capital may be provided through a business loan, line of
credit, revenue-based financing arrangement, or purchase of future
receivables. The contract—not the marketing label—determines the
structure.
How quickly can a business receive funding?
Some working-capital products may fund in as little as 24 hours after
approval and satisfaction of final conditions. More complex requests can
take longer. Timing is never guaranteed.
What credit score is required?
There is no single minimum that applies to every provider. Credit is
considered together with revenue, deposit consistency, time in business,
industry, existing debt, and other factors.
Can I qualify with an existing loan or advance?
Possibly. The current balance, payment amount, payment history,
remaining term, lien position, and the business’s cash flow all matter.
In some cases, refinancing or consolidation may be more appropriate than
adding another obligation.
How much working capital can I receive?
Approval amounts vary based on revenue, cash flow, deposit history,
credit, existing obligations, industry, and the provider’s guidelines.
The amount offered should also be evaluated against the payment the
business can responsibly support.
What will working capital cost?
Pricing varies by product and risk profile. A proposal may use an
annual interest rate, factor rate, specified purchased amount,
origination fee, or another disclosed pricing method. Review both the
total cost and the actual payment burden before accepting.
Will applying affect my credit?
The initial review may involve a soft or hard credit inquiry
depending on the provider and stage of the transaction. Frank will
explain the expected authorization before moving forward when that
information is available.
Can Frank review an offer I already received?
Yes. Frank can help compare the proceeds, payment, total cost, term,
fees, prepayment provisions, personal guaranty, collateral, and other
important contract terms. You are not obligated to accept financing
through Frank Business Solutions to request a second opinion.
Talk to Frank Before You
Commit
Whether you need working capital now or simply want to understand
your options, start with a direct conversation. Frank will review the
situation, explain the likely paths, and tell you honestly whether
pursuing financing makes sense.
Frank Business Solutions is not a bank or direct lender.
Financing is offered through third-party lenders and funding partners.
All financing is subject to underwriting, approval, executed agreements,
and satisfaction of closing conditions. Rates, terms, amounts, payment
schedules, fees, and funding times vary. Nothing on this page is a
commitment to lend or provide financing.