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Is CashCall the right loan for me?

We are here for businesses that don’t qualify for traditional loans or for businesses that have urgent short-term cash needs. If you have the following situations, we can help:

  • You cannot be served by traditional lenders because your business doesn’t meet their underwriting standards (your personal credit, your industry, or your requested loan amount)
  • Your business is short of cash due to unexpected bills, emergencies, or opportunities
  • You are working to build your company's credit by responsibly paying off loans
 
Apply online anytime 24/7 or call us
Instant online decision
See loan options and costs upfront with no hidden fees
Funds wired to your account
Only pay interest for the days you borrow
 

We don’t lend to all businesses. To qualify, you must:

  • Be in business at least 2 months with proof of income
  • Be a for-profit business
  • Have a business bank account in the name of the business
  • The guarantor must have a personal credit rating of 500+
 

Loan overview & costs Apply Online Request Callback

Loan Size $3,500 - $75,000
Term 2 years to 10 years
Origination Fee 5% to 10% with minimum of $500 (lower fees for 2nd loan)
Rate 24% to 149%
Payment Monthly
Prepayment You can prepay your loan at any time with no penalty
Collateral Personal guarantee only
Purpose The loan can be used for nearly any business purpose
Taxes Financing fees and interest may be tax deductible

Example Scenarios

Loan Size $15,000
Origination Fee 10% of $15,000 = $1,500
Total Funds Wired $13,500
Interest Rate 39%
Terms of the Loan 120 Months
Minimum Monthly Payments $498.23
  Scenario 1  Scenario 2 Scenario 3
  Pay off in 10 days Pay off in 6 months
(equal payments of $2,791.95)
Pay Minimum Monthly Payments for Full Term of Loan
Time to Pay Off 10 days 6 months 120 months
Total Payments $15,162.50 $16,751.70 $59,787.67
Total Financing Costs
(including fee)
$1,662.50 $3,251.70 $46,287.67
Total Financing Costs
(as % of Funds Wired)
12.31% 24.09% 332.48%
(we suggest you pay off early, even though you can keep the loan for 120 months)

How do I apply? Apply Online Request Callback

You can apply for CashCall business loans from our website or by contacting a CashCall loan representative. Our application process is online, paperless and is available 24/7.

Apply online 24/7 or call us and get an instant decision.
Review the amount of money you qualify for and the costs.
Send us a voided check, bank statements (We can access your bank statements electronically), and a copy of your personal identification (You can take a picture and send it to us).

Before you decide to go ahead with the loan, you will get a chance to review your loan documents and terms of the loan to make sure the loan is right for you.

Once approved and you have acknowledged you read the loan agreement by clicking “I accept”, we will wire the cash to your bank account. If you agree to the terms before 4PM EST, you will receive the funds the same day.

How do I get the money?

You review the loan agreement and accept the terms. If you agree before 4PM EST, we will send the cash to your account the same day. We send wire transfers at 4:30 EST every day, and the funds should appear in your account shortly after the wire is sent. It can take longer if some banks can’t process the wire fast enough to show the payment in your account.


Managing my loan Apply Online Request Callback

How do I repay my loan?

We want to make the repayment process as hassle-free as possible. That’s why we automatically deduct the monthly payment from your business checking account. For additional payment options, please refer to our FAQ.

Can I repay early?

Yes. Repaying your loan early can save you on your interest expense, so we recommend you pay off the loan as soon as possible. Many customers also make partial repayments if they can’t afford to pay off the loan entirely. We have no hidden fees for early repayment and you will save money as we only charge interest for the days that you borrow. 

Do you report my payments to credit bureaus?

Yes. We report your payments to Personal and Business credit bureaus so you can build your credit as you pay on time.

Can I borrow again?

We only let customers have one loan at a time, so you will have to repay your loan before we give you another loan. By repaying your loan responsibly you will qualify for lower origination fees on additional loans and may qualify for a lower rate and a higher borrowing limit. In addition, you may be building your credit.