How Financing Works
It only takes a few simple steps to apply and get approved for 3 Rivers Leasing Business Funding small business loan alternatives. On this page we will walk you through how financing works at 3 Rivers leasing and explain the three different phases of a relationship with us. We take the complication out of working capital financing.
Step 1: Application
Please be advised that we do not fund startups or provide personal loans. Small business owners who have been operating for at least 2-3 months and are making gross monthly sales of at least, $6,000 or higher are encouraged to apply for financing. By taking a minute to completing the application on the link supplied here, you will be taking your first step towards getting approved and seeing cash appear in your ban account within the next 48 hours. After you submit, you will be matched with one of our courteous and professional representatives who will contact you shortly to further explain how our programs work for you.
Step 2: Qualification
95% of the small business owners who apply will qualify. From there, your personal representative will work with you and our top-notch team of underwriters to create a merchant cash advance plan that is customized to best accommodate your short and long-term goals. Due to the individualized nature of our service, you will need to provide us with the following information so that we can calculate how much funding you qualify for:
  • Last 6 months bank statements
  • Last 3 months of credit card processing statements (if available)



When we give a merchant cash advance we want to ensure that intakes sense for your business. Please be advised that even if your business does not process credit cards you are still eligible to qualify for a merchant cash advance. We specialize in  providing alternatives to bad credit business loans. So even if you have bad credit or outstanding loans, don't hesitate to apply now.


Step 3: Funding and Repayment


Congratulations! You have been approved, and the liquid cash amount you have been cleared for will appear in your bank account within the next business day. You may use the money as you see fit for your operations. When we give you cash up-front, we are effectively purchase a portion of your future sales. After you receive your merchant cash advance, we collect a fixed daily percentage of the sales you take until the full amount has been paid off. If sales slow while you are paying back the advance, the amount deducted for repayment is reduced proportionally. This arrangement is ideal for small business owners, as you are  never in danger of being overwhelmed by repayment and our business cash flow will be minimally affected. Allowing you to focus on running your business. It's just one of the ways how financing works for small business.


Step 4: Refinancing


Once your initial advance is 70% repaid, you have the option to refinance for up to 200% of the cash amount you originally received and adjust how financing works for you with your representative. 3 Rivers leasing is dedicated to helping the small business owners gain access to working capital who are undeserved by other institutions. We aim to build relationships; where small business owners can call on us whenever they need up-front capital to take their enterprises to new horizons.





For businesses with a consistent revenue stream, we offer quick-access Working Capital Loans and cash advances. When you are approved in our program, you will receive a lump sum of funds that are automatically deposited into your bank account.
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