QUICK FUNDING
$1 BILLION+
FLEX PAYMENTS
4.8+ STAR
Small Business Funding Tailored to Your Needs
WORKING CAPITAL
PAYROLL
EXPANSION
EQUIPMENT
DEBT
MARKETING
Funding Solutions
MERCHANT CASH ADVANCE
Up to $500,000*
Terms up to 24 months
No collateral
Funded hours after approval*
REVOLVING LINE OF CREDIT
Up to $100,000*
Terms 9 to 18 months
Weekly or Monthly payments
No early repayment fees
EQUIPMENT OPTIONS
Up to $250,000*
Terms 24 to 72 months
Financing & Leasing options
Flexible financing
SHORT TERM LOAN
Up to $500,000*
Terms 24 to 60 months
Monthly payments
Funded hours after approval*
Funding Made Simple & Easy
Step 1. Fill out the application
Complete the online application or simply call (561) 525-5497. Applying will not impact your credit score.
Step 2. Review your options
Your dedicated funding specialist will reach out and go over all funding options with you.
Step 3. Receive your funds
Once approved, get funded within hours. Apply here.
The Click N Loans Advantage
Click N Loans is committed to helping small businesses find the financial solutions they need. Every business is different so we created financing options to help suit your specific needs.
Our funding is simple, fast, and transparent. Covering merchant cash advances, short-term loans, equipment leasing & financing, and lines of credit.
FASTER THAN BANKS
It takes over 26 hours to apply for a bank loan. You can apply with Click N Loans within 5 minutes, and get same day funding.
TAILORED LOANS
Unlike most lenders, Click N Loans has multiple loan options. Our amounts and repayment terms can be set to your specific needs.
FUNDING SPECIALIST
You will receive 1 on 1 personal service and customized funding options to help you reach your goals.
TRANSPARENT PRICING
Click N Loans truly values transparency, that’s why working with us means no hidden fees or surprises.
As the FIRST and ONLY alternative finance to be partnered with ADP, we now offer Payroll, HR, 401k, and Workers Comp.
A Personalized Approach to Online Funding
With Click N Loans you get to talk to real people. You get a dedicated Funding Specialist who knows the ins and outs of funding small businesses. More importantly, your Funding Specialist will get to know more about you and your business. They will help guide you through the best available funding options. All from the comfort of your home or office.
CALL NOW (561) 525-5497
Simple application, fast approval, and the funding you need!
Available: Monday-Friday
8am-10pm
Get In Touch!
Business Financing FAQ
Get answers to the most common questions about small business loans and funding options
Get a Quote Today!Merchant Cash Advances
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a business financing solution where a lender provides upfront capital in exchange for a percentage of future credit card sales or daily bank deposits. Unlike traditional business loans, MCAs are repaid through automatic daily or weekly deductions from your business revenue.
How quickly can I get approved for an MCA?
Most MCA approvals happen within 24-72 hours with minimal documentation. You typically need 6-12 months in business, monthly revenue of $10,000+, and a credit score of 500+. Approval is based primarily on cash flow rather than credit history.
What are the main advantages and disadvantages?
Advantages include fast approval, flexible repayment tied to sales, and accessibility for poor credit. Disadvantages include higher costs than traditional loans, daily repayment requirements, and potential cash flow strain during slow periods.
SBA Loans
What are SBA loans and their benefits?
SBA loans are government-backed financing programs offering lower interest rates, longer repayment terms, and reduced down payment requirements. The SBA guarantees 70-90% of the loan, making lenders more willing to approve small business applications.
What are the main SBA loan programs?
Popular programs include SBA 7(a) loans for general business needs, SBA 504 loans for real estate and equipment, SBA Express loans for faster processing, and SBA microloans for smaller amounts up to $50,000.
How long does SBA loan approval take?
Standard SBA loans take 30-90 days for approval. SBA Express loans can be approved in 5-10 business days. Processing time depends on the program, lender efficiency, and completeness of your application documentation.
Term Loans
What is a business term loan?
A business term loan provides a lump sum of capital repaid over a predetermined period with fixed or variable interest rates. These traditional loans offer predictable monthly payments and are ideal for expansion, equipment purchases, or large business investments.
What credit score do I need for a term loan?
Traditional bank term loans typically require credit scores of 700+. Alternative lenders may approve scores as low as 600-650. Higher scores result in better rates, higher amounts, and more favorable terms.
How much can I borrow with a term loan?
Term loan amounts typically range from $25,000 to $5 million depending on your business financials, creditworthiness, and intended use. Banks offer larger amounts for established businesses, while alternative lenders provide faster approval for smaller amounts.
Equipment Financing
What is equipment financing?
Equipment financing is a secured loan specifically for purchasing business equipment, machinery, or vehicles. The equipment serves as collateral, enabling competitive rates and terms while preserving working capital for other business needs.
Equipment financing vs. leasing - what's the difference?
Financing means you own the equipment after paying off the loan. Leasing provides lower monthly payments without ownership, offering tax advantages and easier upgrades but no asset ownership at the end of the term.
What equipment qualifies for financing?
Most business equipment qualifies including manufacturing machinery, construction equipment, medical devices, restaurant equipment, office technology, vehicles, computers, and any assets that retain value over time.
Line of Credit
How does a business line of credit work?
A business line of credit provides flexible access to funds up to a credit limit. You only pay interest on amounts used, and funds can be drawn, repaid, and redrawn as needed - perfect for managing cash flow fluctuations and unexpected expenses.
Secured vs. unsecured lines of credit?
Secured lines require collateral and offer higher limits with lower rates. Unsecured lines rely on creditworthiness alone, feature faster approval but generally have lower limits and higher interest rates.
What can I use a line of credit for?
Common uses include managing seasonal cash flow gaps, covering unexpected expenses, purchasing inventory, paying suppliers, handling emergency repairs, and taking advantage of bulk purchase discounts.
General Questions
How do I choose the right financing option?
Consider your specific needs, timeline, creditworthiness, and cost tolerance. Short-term needs may suit lines of credit or MCAs, while long-term investments benefit from term loans or SBA financing. Always evaluate total costs, not just interest rates.
What factors affect loan interest rates?
Key factors include personal and business credit scores, time in business, annual revenue, cash flow, debt-to-income ratio, collateral, loan amount, repayment term, and current market conditions. Stronger financial profiles secure better rates.
Can I get financing with bad credit?
Yes, options exist including merchant cash advances, asset-based lending, equipment financing (equipment as collateral), and alternative lenders specializing in bad credit financing. Terms may be less favorable but funding is available.
What Our Customers Say
Don't just take our word for it. Here's what 70+ real customers have to say about their experience with Click N Loans.
DS
David S.
2 months ago
Like many business owners the pandemic had us questioning the future of our business… luckily we found click n loans to help us stay afloat and flourish! Quick easy and honest. Would recommend to anyone!
MJ
Michael J.
1 month ago
After doing my research on what finance company to give my business to, it was clear to me that it was Click N Loans. Finding the capital that I needed to get through an accounts receivable rough spot.
LR
Lisa R.
3 weeks ago
This company was extremely open and helpful to any questions I had. You can tell that they actually care about their customers, rather than just making a profit - they really guided me in the right direction.
JM
James M.
1 week ago
Ryan was amazing! He was able to help me get exactly what I needed to help my business grow! Very honest, and respectful. I highly recommend!
RC
Robert C.
2 weeks ago
The quickest and easiest way I've gotten a loan! I'd 100% recommend to any of my friends! These guys are absolutely amazing and will be the only loan company I will ever use.
SA
Sarah A.
1 month ago
Click N Loans simplifies the entire loan process! They guided us through our entire process and had 100% confidence in our representatives advice and budget expectations! Thank you Click N Loans!
Ready to Experience the CNL Difference?
Join thousands of satisfied customers who trust CNL Loans for their financing needs.
*Applications are subject to credit approval. Rates, credit lines, advances and terms may vary based on your creditworthiness and are subject to change. Same Day Funding is only available in certain states. Eligibility window is Monday-Friday before 10:00am EST. If funding call is done before 10:00am EST, funds will be available by 5pm local time the same day. If funding call is done after 10:00am EST, or on a weekend or bank holiday, it will not qualify for Quick Funding and funds will be deposited within 2-3 business days. Funding up to 5k-500k. Your business is applying generally for credit and not for a specific credit product or amount. Any product/amount offered will depend on the credit and underwriting standards of the lender. Eligibility rules around creditworthiness and length of term loan apply. Eligibility for the lowest rates and full funding is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history.* 1180 SW 10th St, Delray Beach, Florida, 33444, United States.