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Loans

Merchant Cash Advance (MCA)

How Funding Works

A Merchant Cash Advance provides immediate access to capital based on your future business revenue. Repayment is flexible and adjusts with your daily or weekly sales, making it a great option for businesses that need quick funding without rigid payment schedules.

• Funding available in as little as 1 business day
• Repayment through daily, weekly, bi-weekly, or monthly payments
• No fixed term — payments adjust with revenue
• Funding amounts from $2,000 to $2,000,000

Rates Are Based On

• Monthly revenue
• Time in business
• Credit profile
• Industry type
• Overall financial health

Required Documents

•Standard Application

• 3–6 months of bank statements

• Driver’s license
• Voided check
• Additional documents may include tax returns, P&L, or AR reports

Ask Yourself

• Do I need funding quickly?
• Do I have consistent monthly revenue?
• Am I looking for flexible payments tied to sales?

Good to Know

• Approval possible even with lower credit scores
• Businesses under 1 year old may still qualify
• Existing advances can often be consolidated
• Eligible for renewal once 50% of balance is paid

At KG Trading Associates, we provide customized funding solutions designed to help business owners grow, stabilize cash flow, and take advantage of new opportunities. Whether you need fast working capital or long-term financing, our team matches you with the right solution based on your goals, timeline, and financial profile.

SBA Loans (7a Program)

How Funding Works

SBA loans are government-backed loans offering some of the lowest interest rates and longest repayment terms available. These are ideal for established businesses looking to expand, refinance, or invest in long-term growth.

• Loan amounts up to $5,000,000
• Terms up to 25 years (real estate)
• SBA review time: 5–10 business days

Rates Are Based On

• Prime rate
• Loan amount and term
• Time in business
• Credit strength and profitability

Required Documents

•Standard Application

• 3–6 months of bank statements

• Driver’s license
• Voided check
• Additional documents may include tax returns, P&L, or AR reports

Ask Yourself

• Do I need long-term financing?
• Am I expanding or refinancing debt?
• Can I wait a few weeks for funding?

Good to Know

• Low interest rates
• No prepayment penalties
• Funds can be used for many purposes
• Additional SBA loan programs available

Term Loans

How Funding Works

Term loans provide a lump sum of capital that is repaid over a fixed period with predictable monthly payments. This option is best for businesses seeking stability and lower rates.

• Loan terms from 1–5 years
• Interest rates from 7.9% – 24.99%
• Fixed monthly payments

Rates Are Based On

• Industry type
• Use of funds
• Credit history
• Business profitability

Required Documents

•Standard Application

• 3–6 months of bank statements

• Driver’s license
• Voided check
• Additional documents may include tax returns, P&L, or AR reports

Ask Yourself

• Have I successfully paid off loans before?
• Am I looking for structured repayment?
• Do I want long-term funding at lower rates?

Good to Know

• Approval typically takes 2–3 weeks
• Best rates available among funding options
• If not approved, we help build a plan to qualify

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Feel free to contact us either through email, text, or phone call.

We are always available for any questions and interests.

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