About Us

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Operating Capital is not the same as a loan from your local bank. The Operating Capital is unsecured funding, meaning there is no collateral required. This allows us to provide funding for your business if you need to raise cash quickly. Most small businesses find it difficult to receive capital via a traditional bank loan. With Operating Capital, you receive an “advance” of the future revenues from your business in exchange for granting the right to a portion of future revenue. 

The Operating Capital can be secured in some cases that same day, or in as little as 24-48 hours. With a traditional bank loan, the wait for capital can take 30, 60, or even 90 days to complete. The Operating Capital that we provide is designed to be a short-term funding solution. The structure of the funding differs from a traditional bank loan whereas your business monthly deposit volume is more important than having a specific credit score. 

Many traditional banking institutions will not lend to a business with less than 5 years of business history. South Street Financial only requires a business being in operation for a minimum of 6-months to qualify for the funding opportunities that we offer.

Since the Operating Capital provided is not a loan, there are no restrictions on the use of the funds. Most of our clients use the capital for purchasing inventory, doing external marketing, purchasing needed equipment, expanding their business, or just using the funds for every day working capital to help them with their day to day business operations.   

An SBA 7(a) loan is backed by the United States Small Business Administration and is one of the best uncollateralized loans available for a small business. By taking advantage of an SBA 7(a) loan, entrepreneurs can access financing with longer repayment terms and lower interest rates compared to other financing options. South Street Financial can help guide your business so you will have the ability to free up valuable monthly cash flow which in turn, can be used to help operate and expand your business. 

A small business line of credit allows businesses to draw funds up to a certain limit from a stipulated account. The business only pays interest on the actual amount that they use. Most small businesses utilize a line of credit for help with their cash flow, inventory purchases, payroll, or those unexpected business operational emergencies. 

South Street Financial can work with you to secure a line of credit for your upcoming business needs. This is one of the many funding opportunities that we can offer your business.     

Equipment Financing helps to keep many business owners operating at a high level by utilizing newer or additional equipment. The equipment that a business owner is looking for is used as collateral to secure the financing. This is very helpful because the approval process is not just based on the business owner's credit score, but instead more emphasis is put on the actual value of the equipment that is needed. 

South Street Financial provides equipment financing solutions to help you grow and operate your business. Some of the industries that utilize this type of financing include Restaurants, Healthcare, Construction, Transportation, in addition to many others.

A Reverse Consolidation gives business owners the opportunity to consolidate multiple short-term funding positions to reduce the stress on their business revenue. Instead of putting your business in jeopardy of defaulting on existing balances due to late payments from your customers to clear, or just various everyday business circumstances, a reverse consolidation can help reduce your regular payments by up to 40%. There is no reason to default on existing balances which could harm your businesses credit and reputation moving forward.    

South Street Financial can provide your business many different funding opportunities. The Reverse Consolidation provides you with an option to help your business keep more capital in your account while continuing to pay back your balances so your business can still operate and grow while you continue to provide all of your business services.  ​

Complete our online application form. The form is less than 10 easy questions, and takes just a few minutes to complete. 

Once we have your application, we go right to work with our underwriting team to determine the amount of capital and the funding opportunities that your business will qualify for. 

After the completion of the underwriting process, we then provide personalized guidance, and options for your specific business needs. Once you decide on your direction, you get funded! 

Funds can be deposited into your account Fast. In some cases as soon as that same day, or in as little as 24-Hours.