Products
Our Financing Solutions
At Cambridge Capital Solutions, we provide flexible funding options designed to help businesses and
individuals access the capital they need to grow, expand, and succeed.
BUSINESS TERM LOANS
Business term loans provide a lump sum of capital that is repaid over a fixed period with predictable payments. These loans are ideal for expansion, working capital, inventory purchases, or other major
business investments.
Loan Amounts: Typically range from $25,000 to $2,000,000+, depending on qualifications.
Repayment Terms: Usually 1 to 5 years, though some lenders offer up to 10 years for well-qualified businesses.
Interest Rates: Currently, term loans generally range from 7% to 25% APR, depending on credit score, business history, and financial health:
Strong Borrowers (700+ FICO, 2+ years in business): 7–12% APR
Mid-Tier Borrowers (650–699 FICO, 1–2 years in business): 12–18% APR
Lower-Tier Borrowers (600–649 FICO, 1 year in business): 18–25% APR
LINE OF CREDIT
A business line of credit gives your company flexible access to working capital whenever you need it. Instead of receiving a single lump sum, you’re approved for a credit limit and can draw funds as needed, paying interest only on the portion you use. This makes it an ideal solution for managing cash flow, covering payroll, purchasing inventory, or handling unexpected expenses.
Credit Limits: Typically range from $10,000 to $250,000+, based on your business profile and financials.
Repayment Terms: Revolving credit with weekly or monthly repayment schedules. As you repay, your available credit is restored, giving you ongoing financial flexibility.
Interest Rates: Rates generally range from 8% to 25% APR, depending on credit score, business history, and revenue:
Strong Borrowers: 700+ FICO, 2+ years in business → 8–12% APR
Mid-Tier Borrowers: 650–699 FICO, 1–2 years in business → 12–18% APR
Lower-Tier Borrowers: 600–649 FICO, 1 year in business → 18–25% APR
With a business line of credit, you have instant access to funds when you need them, helping your business stay agile, cover essential expenses, and seize growth opportunities without the stress of traditional loans.
SBA LOANS
SBA loans are government-backed financing programs designed to help small businesses access affordable capital. These loans often offer lower interest rates, longer repayment terms, and flexible
funding options for business growth.
Loan Amounts: From $50,000 up to $5 million, depending on the program and eligibility.
Repayment Terms: Flexible terms ranging from 5 to 25 years, tailored to how the funds are used—shorter terms for working capital and longer terms for real estate.
Interest Rates: Typically Prime + 2.75% to Prime + 6%, which currently translates to approximately 10%–14% APR:
Well-Qualified Borrowers: 680+ FICO, 2+ years in business → 10%–11% APR
Mid-Tier Borrowers: 650–679 FICO → 12%–14% APR, with additional program requirements
SBA loans provide affordable financing with flexible terms and government support, helping small businesses invest, grow, and thrive confidently.
MERCHANT CASH ADVANCES
A Merchant Cash Advance gives your business fast, flexible access to working capital by providing a lump-sum advance in exchange for a portion of your future sales. Unlike traditional loans with fixed monthly payments, repayment is directly tied to your daily or weekly credit and debit card sales. This means you pay more when business is strong and less when sales slow, making MCAs an ideal solution for businesses with fluctuating revenue or urgent funding needs.
Advance Amounts: Typically range from $5,000 to $2,000,000+, depending on your business’s sales volume.
Repayment Terms: Usually 3 to 18 months, with automatic deductions from daily or weekly sales.
Costs: MCAs use a factor rate instead of a traditional interest rate, usually ranging from 1.2 to 1.5.
Example: A $100,000 advance with a 1.3 factor rate would require a total repayment of $130,000.
Considerations: While effective APRs often range from 25% to 50%+, MCAs offer faster access to capital than loans or credit lines, making them a practical option for businesses that need funds quickly.
EQUIPMENT FINANCING
Equipment financing helps businesses purchase or lease essential equipment such as machinery, vehicles, technology, or tools. The equipment itself typically serves as collateral, making it easier to qualify while preserving your cash flow.
Loan Amounts: Typically cover 80%–100% of the equipment’s value, ranging from $10,000 to $5 million+, depending on the purchase and business profile.
Repayment Terms: Flexible terms generally range from 2 to 7 years, designed to align with the expected lifespan of the equipment.
Interest Rates: Rates typically range from 6% to 20% APR, based on credit score, business history, and equipment type:
Well-Qualified Borrowers: 680+ FICO, 2+ years in business → 6%–10% APR
Mid-Tier Borrowers: 620–679 FICO → 10%–15% APR
Lower-Tier Borrowers: 600–619 FICO → 15%–20% APR
With equipment financing, your business can acquire the tools it needs without tying up cash flow, helping you stay competitive, efficient, and ready for growth.
CREDIT CARD PROCESSING
In today’s business world, accepting credit and debit card payments is essential. Our solutions let you securely process transactions in-store, online, or on the go, while ensuring fast deposits into your business account. Modern processing also includes fraud protection, detailed reporting, and seamless integration with POS and e-commerce platforms.
Quick Setup: Get started in just a few business days.
Transaction Fees: Typically 0%–1.5% per transaction, varying by card type, industry, and sales volume.
Fast Payouts: Receive funds within 24–48 hours, with some providers offering same-day funding.
Extra Benefits:
Chargeback protection
Mobile payment acceptance
Contactless options like Apple Pay and Google Pay
Our credit card processing solutions make payments secure, simple, and convenient, helping your business grow and serve customers efficiently.
BOOKKEEPING SERVICES
Accurate bookkeeping is the backbone of a thriving business. Our services help you stay organized, compliant, and in control by tracking income, expenses, payroll, and taxes in real time. With clear, actionable financial reports, you’ll always know where your business stands—so you can make smarter decisions and focus on growth, not paperwork.
What We Offer:
Daily transaction recording and account reconciliation
Payroll management and reporting
Preparation of financial statements
Maintaining tax-ready records
Flexible Pricing: Packages range from $209–$599/month, depending on transaction volume, providing scalable solutions that grow with your business.
Why Choose Us:
Minimize costly errors
Save time and reduce stress
Gain full financial visibility and clarity
Technology-Driven: Integrates seamlessly with QuickBooks, Xero, and other reporting tools, ensuring efficient, automated financial management.
With our professional bookkeeping services, your business gains accuracy, clarity, and confidence, empowering you to make informed decisions and drive growth.
Real Estate Financing
Real estate financing provides funding for the purchase, development, or refinancing of commercial properties. This includes office buildings, retail spaces, warehouses, and investment properties.
