FacilitiesMicro trader facilities
Micro trader facilities
Smaller tickets for stalls, studios, farms and one-van firms that banks still treat as a hobby.
- RANGE
- $1,000 – $75,000
- TERM
- 3 – 36 months
- PRICE
- From 18.9% APR indicative
- DECISION
- Inside one working day
Micro finance, for us, means a proper credit decision on a smaller number. The questions are the same as on a larger facility: who pays you, what is the money for, and how does it come back.
Sole proprietors are welcome. A year of trading is useful; a shorter record can still work if the invoices or the market stall are real. Settlement can be to a U.S. account or a stablecoin address you control.
Suited to
- Market traders and food producers
- Studios, clinics and small professional firms
- First facility, or a top-up under $75,000
Outside the line
- Personal debt consolidation
- Gambling or unlicensed activity
Questions we are asked
Do I need a corporation?
No. Sole proprietors and partnerships are underwritten on the person and the trade.
Why is the rate higher than a commercial loan?
The ticket is smaller and often unsecured. The price reflects the work, not a penalty for being small.
ALSO ON THE DESK
- Invoice financeRelease the cash sitting in unpaid invoices and keep trading while customers take their terms.
- Working capital loansSmooth a short gap in cash without pledging the whole of the business.
- Sales tax loansSpread a sales-tax quarter over three to twelve months so the bill does not empty the account.