Establish And Build Your Business Funding Relationship 



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Sure, we will get you the money you need and fast, but there is so much more we can offer. The Terra Nova Business Funding program allows you to continue to progress along the path to financial freedom with business lending products that grow with you.

There has never been a better time to build your business funding relationship than now! 

Two Ways To Qualify

Always Free, Fast, and No Obligation

Existing Company With Cash Flow

  • 1 Month In Business
  • $4,000 In Monthly Deposits
  • 500 FICO
  • 6 Months Since BK
  • Tax Lien's Okay

Based On Your Credit

  • 680 FICO
  • 3 Seasoned Accounts
  • 4.5 Years Since BK
  • No Late Payments In Last 12 Months


Just a quick conversation (5 minutes) is all it takes to get the process started! Find out what you qualify for today!

  • Merchant cash advance
  • Small business loan
  • Asset based loan
  • Equipment loan
  • Line of credit
  • Business credit cards
  • SBA backed loan
  • Debt Consolidation

Pathway To Success

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Merchant Cash Advance

Often, when it comes time to get some extra funding for their business, many small business owners think their only option for financing is a traditional business loan through a bank. And while those are still an option for getting extra cash, they come with a lot of hassles. Inflexible terms, strict repayment options, and lengthy approval times are quickly making a bank small business loan a less appealing option for small business owners who need extra financing fast.

Terra Nova has the perfect solution: our ACH Merchant Cash Advance program. Designed as a fast and simple alternative to small business loans, a bank-only ACH can get you the money you need right when you need it most, without all the headaches.

The biggest advantage that merchant cash advances (also known as a MCA) can offer are flexibility in repayment. Instead of a hard and fast amount due every month, a merchant cash advance is repaid by taking a fixed percentage of your daily sales at the end of every business day. This means no surprises for you, and no worrying about coming up with your pre-determined monthly payment amount.

Terra Nova offers further advantages when it comes to merchant cash advances, too. Most MCA providers require you to process credit card transactions and only takes repayment through credit card sales and not overall sales, or sales with other payment types. Our ACH program is bank-only, meaning that your sales are deposited into a specified bank account and a small predetermined percentage of these sales are taken out at regular intervals, no matter how the sale was completed. This helps to take a load off your mind by making sure you can always afford your monthly payment by custom-tailoring it to the sales of your business.

Depending on your business’ eligibility, you may be able to get an unsecured cash advance of up to one million dollars. Furthermore, to ensure your business is given exactly the right amount of capital, Terra Nova works with an ever-growing number of in-house funders, which can present you with a variety of funding offers and options to choose from, allowing you to choose the perfect financing option to fit the needs of your business.

If your business needs a quick injection of cash to seize some new business opportunity, Terra Nova is the creative business financing outlet your business needs. Curious to see how easy it can be? Apply for a merchant cash advance today with Terra Nova and get the money you need for your business’ success.

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Equipment Loans (New and Pre-Owned)

Our equipment loan programs make it easy to upgrade the equipment that you need without tying up your working capital.

With an equipment loan you can hold on to your hard-earned cash to use for other parts of your business.

Save money at tax time with special tax deductions for equipment acquisition under IRS 179.

Payment options are flexible with one of our deferred payment options.

If you have been in business for at least 6 months, have a FICO of 620 or greater, and an equipment quote from a vendor, this could be a great fit for you. 

SBA Loans

SBA loans have some the lowest interest rates that a small business owner can come across. What makes an SBA loan an SBA loan is the guarantee that the SBA (Small Business Administration) places on it.

There’s a lot of competition for SBA loans, which sets the bar high for eligibility. Your personal credit, business credit, and business financials must be strong in order to qualify. Owners of startups are sometimes able to get a 7(a) loan, but the majority of successful applicants have operated their businesses for a few years.

Start-Ups/Initial Business Credit

Receive up to $250,000 in revolving credit without employment verification or a business plan.

Funds are issued as credit lines, loans and credit cards. Most if not all funding can be accessed as cash with out paying high cash advance fees that lenders charge.


680+ Credit Scores

Revolving balances below 60% of credit limit

At least 3 "open" & "seasoned" primary credit cards

No more than 4 inquiries per bureau within th last 90 days

Prior BK must be over 4.5 years

Collections, Judgments, Late Payments must be over 12 months

Get In Touch

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Get A FREE, No Obligation Quote Today!

We provide affordable funding for businesses that need money for any reason. With our lenders, you DON'T even need collateral or excellent credit to get approved. Our in house multi-lender platform assures that you are getting the best terms and rate. 

We will get our lending teams competing for YOUR business!