Fast Capital for St. Paul Businesses
As Minnesota's capital, St. Paul carries a heavy base of state government and public-sector work alongside private employers in publishing, insurance, and manufacturing. The historic Lowertown and Grand Avenue districts support a mix of independent retail and restaurants that lean on both downtown office workers and neighborhood foot traffic.
Government & Public Sector anchors much of St. Paul's economy. Operators here use working capital to carry payroll and supplier bills through the weeks when receivables lag behind the work.
St. Paul's finance & insurance businesses run on equipment and people. Funding most often goes to replacing or adding equipment on the business's timeline, not a bank's.
Manufacturing operators in St. Paul use short-term capital to take on bigger jobs, larger orders, and new hires before the opportunity passes.
For retail in St. Paul, cash flow rarely follows the calendar. A revenue-based advance smooths the gap between slow stretches and busy ones.
St. Paul government & public sector firms cover payroll and bring on new hires while waiting on customer payments, repaying as the receivables clear.
An established St. Paul finance & insurance business funds the build-out and first months of a second location, drawing more later through AccessLine™ as the new site performs.
St. Paul manufacturing operators replace aging equipment without waiting on a bank, keeping revenue flowing while the new equipment earns.
Most St. Paul businesses that have operated for at least six months with $10,000 or more in monthly revenue qualify, including government & public sector, finance & insurance, manufacturing and service businesses. We look at overall business health, not just credit.
Applications take about five minutes, approvals come in as little as 24 hours, and funds are sent to your business bank account as soon as the next business day.
No. Paz purchases a portion of your future receivables at a fixed price, repaid through fixed daily or weekly payments sized to your sales. There is no interest rate and no collateral.
Funding runs from $2,500 to $5,000,000. Most St. Paul businesses qualify for $25,000 to $250,000 on a first draw, with more available through AccessLine™ as the business performs.
Get approved in as little as 24 hours