ACBL Provides Innovative Business Lending You Won't Find Anywhere Else

Year-end economic reports are rosy for large corporations, but small business owners continue to struggle, making Advantage Capital Business Loans an invaluable resource.

Dec 20, 2013, 18:12 ET from Advantage Capital Business Loans

LOS ANGELES, Dec. 20, 2013 /PRNewswire/ -- In recent weeks, the economic news has been as merry as the festive holiday decorations found on the hearths of homes throughout the country. Yet, while jobless rates have gone down and stocks continue their upward trend, the lack of easy business loans for small and modest-sized business leaders make them feel like Bob Cratchit to the Ebenezer Scrooge that is most banks and cash advance companies. Among those who choose to finance their companies through Advantage Capital Business Loans, though, you'll find all is calm and bright this holiday season. With a variety of options for customized, no credit check business loans and other options that favor small business owners, ACBL might be the holiday miracle that keeps the stockings of your employees filled this season.

Bloomberg BusinessWeek reports that the US Small Business Administration guaranteed approximately $30 billion in loans for the year ending in September 2013 – representing a marked decrease from pre-economic collapse levels. While increasingly popular merchant cash advances accounted for about another $1 billion in annual small business lending, this comes as little solace for savvy professionals that are looking to get their companies off the ground. In fact, due to unsavory – and often predatory – lending practices like exorbitant APRs and harsh, intractable terms, many of these merchant cash advance companies leave business owners in a worse place than before.

Robert Barragan, chief executive officer of the nonprofit lender Valley Economic Development Center, states that many big banks are even turning down lenders that would generally be considered a good credit risk. Barragan explains that the collapse of the real estate market forced some prospective borrowers to walk away from their homes, making them seem like a liability to lenders, even if their credit and profit margins are otherwise strong. Fortunately, thanks to ACBL, many struggling small business professionals can find the financing they need without the headaches and high rejection rates of big banks or the predatory lending practices of certain merchant cash advance companies.

ACBL was established by principals with a small business background who understand firsthand the unique challenges faced by the leadership at small and medium-sized companies in today's hyper-competitive global marketplace. Upon the firm's inception, they set out to create the antithesis of the traditional business loan – essentially, a simple loan with a high approval rate that favors small and medium-sized businesses.

The innovations to the lending experience from ACBL begin at the underwriting process. Whereas most big banks and traditional lenders will put all the weight on personal credit, value of collateral, debt-to-income ratio and overall profitability, ACBL puts the majority of weight on the efficiency and potential of a business. This means that an ambitious and responsible professional can receive the lending needed to meet their business goals regardless of credit score or lack of collateral. Advantage Capital Business Loans offers a free quote; they can be reached at (877) 379-0202, or online at

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