Term length varies based on product and qualifications such as credit and time in business. The average term is 8-18 months. Term loans can go out 5 years, and high risk funding can be as short as 3 months.
At Ballpoint Capital, we specialize in transparent, honest business funding solutions. Unlike many alternative lenders in the marketplace, we take pride in being a funding partner you can trust—not just another company pushing misleading “pre-approvals” and bait-and-switch offers.
Founded in 2017, Ballpoint Capital was created with one goal: to bring clarity, trust, and education to the business financing industry. Our founder, coming from a background rooted in learning and service, saw firsthand how business owners were being misled by fast-money promises, hidden fees, and unethical sales tactics.
The biggest frustration for business owners seeking capital? Misleading loan offers. Many receive endless emails, phone calls, and direct mail claiming they’ve been “pre-approved” for funding—only to find out that the real offer is nowhere near what was promised.
This leads to wasted time, confusion, and a loss of trust in the lending process.
At Ballpoint Capital, we offer a consultation-based funding process designed to serve your actual needs. Here’s what makes us different:
No-pressure consultations with experienced funding advisors
Ballpark estimates provided upfront—before any paperwork
No upfront fees, no fake pre-approvals, and no bait-and-switch tactics
You only apply when you’re ready and comfortable with the funding path ahead
We only succeed when you get funded—no commissions or pressure games
Whether you’re looking for working capital, equipment financing, merchant cash advances, or alternative business loans, Ballpoint Capital is your reliable, transparent partner. We help you navigate real financing opportunities—not empty promises or sales scripts.
Since 2017, we’ve helped business owners across industries secure fast, ethical, and realistic funding. If you’re tired of the runaround and ready for honest business financing, let Ballpoint Capital show you what real partnership looks like.
At Ballpoint Capital, we specialize in transparent, honest business funding solutions. Unlike many alternative lenders in the marketplace, we take pride in being a funding partner you can trust—not just another company pushing misleading “pre-approvals” and bait-and-switch offers.
Founded in 2017, Ballpoint Capital was created with one goal: to bring clarity, trust, and education to the business financing industry. Our founder, coming from a background rooted in learning and service, saw firsthand how business owners were being misled by fast-money promises, hidden fees, and unethical sales tactics.
The biggest frustration for business owners seeking capital? Misleading loan offers. Many receive endless emails, phone calls, and direct mail claiming they’ve been “pre-approved” for funding—only to find out that the real offer is nowhere near what was promised.
This leads to wasted time, confusion, and a loss of trust in the lending process.
At Ballpoint Capital, we offer a consultation-based funding process designed to serve your actual needs. Here’s what makes us different:
No-pressure consultations with experienced funding advisors
Ballpark estimates provided upfront—before any paperwork
No upfront fees, no fake pre-approvals, and no bait-and-switch tactics
You only apply when you’re ready and comfortable with the funding path ahead
We only succeed when you get funded—no commissions or pressure games
Whether you’re looking for working capital, equipment financing, merchant cash advances, or alternative business loans, Ballpoint Capital is your reliable, transparent partner. We help you navigate real financing opportunities—not empty promises or sales scripts.
Since 2017, we’ve helped business owners across industries secure fast, ethical, and realistic funding. If you’re tired of the runaround and ready for honest business financing, let Ballpoint Capital show you what real partnership looks like.
At Ballpoint Capital, we specialize in transparent, honest business funding solutions. Unlike many alternative lenders in the marketplace, we take pride in being a funding partner you can trust—not just another company pushing misleading “pre-approvals” and bait-and-switch offers.
Founded in 2017, Ballpoint Capital was created with one goal: to bring clarity, trust, and education to the business financing industry. Our founder, coming from a background rooted in learning and service, saw firsthand how business owners were being misled by fast-money promises, hidden fees, and unethical sales tactics.
The biggest frustration for business owners seeking capital? Misleading loan offers. Many receive endless emails, phone calls, and direct mail claiming they’ve been “pre-approved” for funding—only to find out that the real offer is nowhere near what was promised.
This leads to wasted time, confusion, and a loss of trust in the lending process.
At Ballpoint Capital, we offer a consultation-based funding process designed to serve your actual needs. Here’s what makes us different:
No-pressure consultations with experienced funding advisors
Ballpark estimates provided upfront—before any paperwork
No upfront fees, no fake pre-approvals, and no bait-and-switch tactics
You only apply when you’re ready and comfortable with the funding path ahead
We only succeed when you get funded—no commissions or pressure games
Whether you’re looking for working capital, equipment financing, merchant cash advances, or alternative business loans, Ballpoint Capital is your reliable, transparent partner. We help you navigate real financing opportunities—not empty promises or sales scripts.
Since 2017, we’ve helped business owners across industries secure fast, ethical, and realistic funding. If you’re tired of the runaround and ready for honest business financing, let Ballpoint Capital show you what real partnership looks like.
Short-term business funding gives you access to capital in as little as 24 hours—without the burden of long-term debt. With flexible qualifications and minimal paperwork, this fast financing option is ideal for businesses looking to seize opportunities, manage cash flow, or cover urgent expenses. Whether you're launching a project, stocking inventory, or bridging a temporary gap, short-term funding can help your business grow—quickly and confidently.
Many businesses burdened by merchant cash advances (MCAs) seek relief through business loan consolidation. Our MCA consolidation program allows you to pay off high-cost daily payment advances, switch to a predictable monthly payment, and restore healthy cash flow. This is one of our most popular funding solutions—designed to help businesses regain control, reduce stress, and get back on track financially.
A revolving business line of credit provides continuous, on-demand access to working capital—so you can draw funds whenever your business needs them. As one of the most cost-effective and flexible business financing options, it’s perfect for managing cash flow, covering unexpected expenses, or seizing new opportunities. Only pay interest on what you use, and enjoy the freedom to borrow and repay as needed.
A term loan is ideal for businesses seeking longer-term financing solutions, typically with repayment terms of 2 to 5 years. This loan option offers the stability of fixed, low monthly payments, helping you manage cash flow with ease. Best of all, there are no prepayment penalties, giving you the flexibility to pay off your loan early and save on interest.
Equipment financing allows your business to acquire the tools and machinery you need with affordable monthly payments and flexible terms up to 84 months. This funding option not only helps preserve your cash flow but also makes you eligible for the Section 179 tax deduction, allowing you to write off the full cost of qualified equipment in the year it’s purchased. It's a smart, tax-advantaged way to invest in your business’s growth.
Many businesses operate on net payment terms and face cash flow gaps while waiting on customer payments. With invoice factoring—also known as accounts receivable financing—you can access immediate working capital from your outstanding invoices without creating new debt. This flexible funding solution helps keep your cash flow strong, so you can cover expenses, invest in growth, and stay ahead of demand.
