Our Rate and Terms

Interest rates are tailored to your company’s profile and business needs. You are assured that all best effort is put into making the convenience fees and interest rates accurate, fair, and reasonable.

• LOAN DURATION: Up to 6 months
• MONTHLY INTEREST RATES: Ranges from 1.44% to 5.29% per month. Interest rates may vary depending on your business profile, loan amount, term length, payment frequency, or the buyers you transact with.
• FIXED CONVENIENCE FEES: 1.99% of the principal loan amount.

GET a Loan in Three Easy Steps

1.  Apply online and submit business documents to your Account Manager.
Send your personal and business information in however way you want: through email, Viber, or Facebook Messenger.

2.  Submit unpaid invoices you’ve issued or unfulfilled P.O.s you’ve received.
Send or upload clear copies of your signed, unpaid invoices or unfulfilled P.O.s, and we will give you a loan decision within 5-7 business days.

3.  Your business is financed!
Once you’ve received our loan offer, you can let us know your payment preferences. Accept to get funds right away.

Invoice Financing

Monetize invoices now instead of waiting for clients to pay.

No opportunity should be lost because of delayed collections. CerviQ Business Circle loan partner Invoice Financing helps you get the funding you need while you wait for your clients to settle payments for pending invoices

Amortizing Loan

Amortizing Loan are short-term amortizing loans for 1-6 months, and you can choose to pay monthly, every 2 weeks, or weekly.

If you have unfulfilled orders or unpaid invoices you issued, you can get one amortizing loan worth 60-70% of their total amount. You can then choose a term length of up to 6 months and your desired payment frequency.

Purchase Order Financing

Client Order’s to Large to Fill?  Never miss a business opportunity again. With CerviQ Business Circle loan partner Purchase Order Financing, your business can start taking on larger orders to meet increased client demand.

Sometimes, a business receives an unexpected amount of purchase orders that it cannot fulfill because it requires more capital than is available. This creates a number of issues for a business that can be solved with financing. With Purchase Order Financing, you will get access to the capital you need to meet increased demand and keep your business growing.