Why Are We Better?
IRM identifies and represents only the most reputable capital providers. We provide capital faster than a traditional bank with less intensive qualifications. Your revenue is valued most, rather than your credit score.
What Will It Cost?
Our pricing is simple and transparent. You will be shown total advance plus total cost. The Big Banks rarely share the total cost of the capital. We will show you how much you can receive and what the total payback will be.
Simple & Fast Process
Receive a decision within 1 day and capital of $10,000 to $500,000 as soon as 1-2 business days.
Small Business Focus
Specializing in small business, we work to get you money while you remain focused on your business.
Top Rated Providers
We only represent transparent, top rated and quick-turnaround providers who have already delivered over $10 billion to businesses like yours.
Use As You Choose
Need to expand? Want to take advantage of volume discounts? It’s your business, so you get to decide how the fundings are used.
Qualification is simple! Do you qualify?
The minimum qualifications of our providers are less intensive than those of banks. We focus on getting you quick approval and fast capital.
TIME IN BUSINESS
Only need a minimum of four months in business
LOCATION
Business can reside anywhere in the US.
PERSONAL CREDIT
Personal credit score must be at least 500+
ANNUAL REVENUE
$100k+ revenue in the past 12 months
INDUSTRY
Over 700 Different Industries Served
MORE AFFORDABLE
Our fundings are typically up to 50% less expensive than a traditional merchant cash advance.
FAST CAPITAL
You submit your application and we provide you with a fast decision.
AUTOMATIC PAYMENT
You are setup with regular fixed payments so that you don’t have to worry about surprise obligations.
But Seriously, How Do Our Lenders Compare?
Note: Your capital or advance size, term and rate will be based on our provider’s analysis of your business as well as your history with IRM, if applicable.
Easy Business Capital.
Pricing Per Dollar & Basic Qualifications
Total costs as low as 12¢ per borrowed dollar. Average cost 25¢-32¢ per borrowed dollar.
With a 6 month term, your total cost can be as low as 12¢ per dollar. Average cost is 20¢. Typical funding amount is $25,000.
With a 9 month term, your total cost can be as low as 14¢ per dollar. Average cost is 28¢. Typical funding amount is $40,000.
With a 12 month term, your total cost can be as low as 18¢ per dollar. Average cost is 32¢. Typical funding amount is $50,000.
With a 18 month term, your total cost can be as low as 19¢ per dollar. Average cost is 37¢. Typical funding amount is $75,000.
With a 24 month term, your total cost can be as low as 20¢ per dollar. Average cost is 42¢. Typical funding amount is $130,000.
ORIGINATION FEE
0%-5% of capital for your first funding (deducted from your capital advance at time of funding).
Example: $100,000 funding with 2% fees. $2,000 fee would be deducted from the funding, so $98,000 would be wired to you.
MINIMUM QUALIFICATIONS
*Eligibility for the lowest prices shown above are reserved for customers with the strongest cash flows and credit profiles. Returning customers with the strongest credit profiles and excellent payment history on prior capital products from IRM are eligible for our even lower premier rates.
Ready to get funded? Receive Your Decision In Minutes.
1
BUSINESS PRE-QUALIFICATON
Complete the online form by clicking below. We will review and match you with the best provider. We will then contact you to discuss available options and answer any questions.
2
COMPLETE APPLICATION
Complete the simple application which will provide our lenders and advance companies with more business, personal, and financial details. Submit to us with a few requested documents.
3
SUBMIT DOCUMENTS
To verify the application and secure approval, we request 4 months of bank statements, a copy of your last years business tax return, a cancelled check, and a copy of your drivers license.
