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The Business Backer | 10856 Reed Hartman Highway Suite 100 | Cincinnati, OH 45242

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^*For The Business Backer’s Purchase of Receivables and Small Business Loan, funds will be available same business day if approved before 2:00 p.m. CT. If approved after 2:00 p.m. CT, funds will be delivered next business day. For Headway Capital’s Business Line of Credit, funds will be available next business day if approved before 6:00 p.m. CT. If approved after 6:00 p.m. CT, funds will be available in two business days.
^†In Maryland and North Carolina, maximum credit limit available is $50,000.
^‡Funds will be available next business day if approved before 6:00 p.m. CT. If approved after 6:00 p.m. CT, funds will be available in two business days.
^**No draw fee in CO, GA, IN, NJ and OK.
^***Eligibility for the lowest rates is limited, typically available only to highly qualified borrowers with the strongest creditworthiness. Monthly interest rates range from 3.3% to 6.0%. The average monthly interest rate for lines of credit is 4.6%.
¹Eligibility for the lowest interest expense is limited, typically available only to highly qualified applicants with the strongest creditworthiness. Monthly interest expense ranges from 1.7% to 4.3% of the loan amount. The average monthly interest expense is 2.0% of the loan amount.
⁺The origination fee ranges from 0 - 3%. Customers have the discretion to increase the origination fee up to 8% in order to reduce the interest expense. In Iowa, the maximum origination fee is 2%.
^§Eligibility for the lowest factor rate is limited, typically available only to highly qualified applicants with the strongest financials. Factor rate ranges from 1.2 to 1.47. The average factor rate is 1.28.
^¶The purchase fee ranges from 0 – 3%. Customers have the discretion to increase the purchase fee up to 8% in order to reduce the factor rate.

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