Get business capital of up to $150,000

Business Credit Card Stacking
Equipment Financing
Merchant Cash Advance (MCA) Loans
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Loan Types

At Omega Express Funding, we offer multiple funding options, some requiring income verification and others that do not.

Business Credit Card Stacking

Available for startups.

Requires a 700+ credit score, maximum 30% utilization, and fewer than three inquiries in the last six months.

No income verification required (stated income only).

Equipment Financing

Loan amounts up to $150,000.

Available for startups.

Requires a purchase order.

No income verification required.

Business Lines of Credit

Requires the last two years of tax returns (all schedules).

Income verification required.

Minimum 700 FICO score.

Merchant Cash Advance (MCA) Loans

Requires a minimum 550 credit score.

Business must generate at least $10,000 per month in revenue for the last three months.

Three months of bank statements required, with a positive ending balance each month.

MCA Consolidation Loans

Only available to excellent prior MCA clients who have never missed a payment.

Requires a minimum 640 FICO score.

Designed to improve cash flow by stretching out MCA repayment terms.

Converts daily or weekly payments into a monthly payment.

Extends the term to 24 months, compared to standard 180- or 240-day MCA terms.

SBA Loans & SBA 7(a) Express Loans

Available for all business types.

Ideal for businesses seeking low-interest, long-term financing.

Loan amounts and terms vary based on business qualifications.

Business Term Loans (2-5 Year Terms)

Provides fixed-term financing for businesses needing predictable, structured repayment.

Loan amounts and interest rates vary based on business revenue, creditworthiness, and financials.

Suitable for expansion, equipment purchases, or general working capital.

Invoice Factoring

Business must have open invoices with other businesses (not consumers).

Minimum $20,000 in open invoices.

Must be in business for at least 6 months.

Must generate an average gross monthly revenue of at least $20,000.

Utility Vehicle Loans

Any owner or officer with a 680+ FICO score can sign.

Business must have an average gross monthly revenue greater than $3,000.

Must be in business for at least 6 months.

Real Estate-Related Loans

Ideal for business owners who want to buy property in the business name or refinance an existing property.

Max financing up to 80%.

Requires a 700+ FICO score.

Personal guarantee required.

Cash-out options available.

Only properties that generate income qualify, based on the income the property generates.

Not available in New York.

Credit Union Loans

Small loan options designed to help business owners access capital.

Get business capital in 3 simple steps

Schedule a Call & Pre-qualify

Schedule a call with us, answer a few questions and get 0% interest for 12 - 18 months.

Onboarding

Submit the necessary funding documents and agreements.

Get your funds

Your money goes straight to your bank account via direct deposit.

We want to help you succeed

View your funding options in just 2 minutes — it won't affect your credit score!

Get Started Now