CAPITAL AGAINST FUTURE RECEIPTS
Merchant cash advances
Explore an advance structured around the purchase of future business receivables.
- Business receipts at the center
- Collection terms set by the agreement
- Review the factor rate and total cost
BUSINESS FINANCING. CREDIT ADVISORY. A CLEARER NEXT STEP.Compare financing options
ALPHA FINANCIAL SOLUTION, LLC
Capital that keeps
your business
moving forward.
Merchant cash advances, term loans, and lines of credit. Start with your business goals. Understand your options.
What would you like to fund?
Calculate your financing costsBusiness-purpose financing
YOUR BUSINESS. YOUR AMBITION.Let’s build the next step.
FINANCING FOR THE WAY YOU DO BUSINESS
Three ways to move forward.
Find a starting point for your needs, then look at the structure, cost, and commitments.
FUND A DEFINED BUSINESS NEED
Term loans
A lump sum for an investment, project, or operating need, repaid over an agreed term.
- Capital for a specific purpose
- A defined repayment schedule
- Understand payments and total interest
ACCESS CAPITAL AS NEEDS CHANGE
Lines of credit
A credit facility for recurring expenses and working-capital needs, subject to draw conditions.
- Draw against an approved facility
- Revolving access when the terms allow
- Review draw fees and renewal terms
Want to understand the differences? Compare the structures
PUT THE NUMBERS IN PERSPECTIVE
Plan with a clearer picture.
Adjust the amount and terms to explore estimated payments, proceeds, and financing costs.
Model a line of credit.
Example assumptions — not Alpha rates or an offer.
Models one draw repaid in equal monthly payments at a fixed rate, with no further draws. Revolving, interest-only, or variable-rate facilities work differently.
YOUR ILLUSTRATIVE ESTIMATE
Estimated monthly payment
$2,292.00Over 12 months under these assumptions
- Net funds after fee
- $25,000.00
- Total scheduled payments
- $27,504.00
- Interest cost
- $2,504.00
- Fee withheld upfront
- $0.00
- Total financing cost
- $2,504.00
Estimates only. Actual rates, fees, payment schedules, and availability require a separate review.
How this estimate works
Monthly payment = P × r ÷ [1 − (1 + r)⁻ⁿ], where P is the amount borrowed or drawn, r is the annual interest rate divided by 12, and n is the number of months. At a 0% rate, payment is P ÷ n. Figures are rounded to cents; the actual final payment may differ.
Total financing cost is total payments or purchased receivables minus net funds received. The estimate excludes charges not entered here, such as late, maintenance, or prepayment fees. Calculator ranges do not indicate Alpha’s financing limits.
Net funds received
Compare the usable amount after upfront deductions and fees.
Payment frequency
Check whether payments or collections are daily, weekly, or monthly.
Total financing cost
Look beyond a headline rate. Include fees, draw charges, and early-payoff terms.
Cash-flow fit
Consider slower sales, seasonal expenses, and existing commitments.
A STRAIGHTFORWARD START
From a business goal to a conversation.
01
Tell us what you need.
Choose a service and share your business and contact details in our guided inquiry.
02
Bring the business into focus.
Outline your priorities, timing, and the questions you want to discuss.
03
Consider the next step.
Review any proposed terms, costs, and obligations before deciding how to proceed.
Start a financing inquiry
An inquiry is not an approval or commitment to fund.
ESTABLISHED & MIDDLE-MARKET BUSINESSES
Bigger plans deserve a broader conversation.
Expansion, acquisitions, and larger working-capital needs call for a closer look at cash flow, assets, existing debt, and the right capital structure.
Discuss a larger capital need →Structures and availability depend on the business, provider, and transaction.
- Recurring working capital
Explore how a revolving facility works, including draw access, renewal, and whether repaid principal becomes available again.
- Expansion and acquisitions
Consider the investment horizon, repayment capacity, and the role of term debt, private credit, or ownership capital.
- Asset-supported financing
Discuss whether receivables, inventory, or equipment could support a facility, and what collateral reporting it would require.
MORE THAN ONE WAY TO GROW
Broader capital needs.
The same focus on clarity.
Explore private credit, ownership capital, and credit education as your business evolves.
LET’S START WITH YOUR BUSINESS