a division of Citi Financial Group HM
Tel: (415) 691-2070
Call today


Effective May 25, 2018: Citi Advisors will not accept any commercial loan, hard money inquiries, underwriting & processing services, business consulting, or any real estate inquiry.
This Division is closed.  Sorry for any inconvenience. 

Merchant Cash Advance
Min $20,500/month Credit Card Volume or
$25,000 gross monthly sales
​Up to $5mm in 48 hour funding

Apply Now
12-48 hour funding

Working Capital

Business cash Advance

Merchant Cash Advance

Working Capital products such as Business Cash Advance, Merchant Cash Advance, Factoring, Short Term loans and many other types of Working Capital! Funding in as little as 12 HOURS!
When your business needs funding fast to pay for inventory, equipment, expansion, or other business expenses an advance based loan is a great fit.
When your business needs funding fast and you process credit cards, it’s nice to be able to get some of that revenue up front as you’re growing your business and maintaining positive cash flow. Up to $5,000,000 within 48 hours.


SBA 7a           Up to 85% Loan to Value (LTV)
Generally adjustable rates 2% to 2.75% over WSJ Prime

The SBA 7a Program allows for financing of all types of business needs from purchasing real estate, fixed assets, working capital and business acquisitions.  The SBA 7(a) loan program highlights are:
Up to 85% Loan to Value (LTV)
Generally adjustable rates 2% to 2.75% over WSJ Prime
5 Year Fixed Rate may be available
25 Year Amortization
Fully Amortized Loans with NO  Balloons
Loans up to $5 million
Closings in as little as 45 to 60 days
Loans may be assumed, subject to approval
SBA Loan Guarantee Fee 3% of Loan Amount
Note:   The following SBA 7a example is based on rates as  and available terms as of 3/20/2017.  Rates and program availability may vary depending on risk factors, changing commercial rates, regional pricing variations etc.
Example Loan – $1,000,000
Rate – 6.25%
Fixed – 5 Years
Amortization – 25 Years
Annual Principal & Interest – $79,793.64  
Closing Cost Estimate:
SBA Loan Guarantee Fee 3% – $30,000.00
Bank Attorney Fee – $4,500.00
Environmental – $1,500.00
SBA Packaging Fee – $2,500.00
Appraisal – $2,500 to $5,000
Title Insurance – $6,000 to $7,500
TOTAL CLOSING COSTS – $47,000 to $51,000
SBA Express loan (over $250,000)
Faster loan process with reduced paperwork
Cash Flow Manager Line of Credit up to $250,000* ideal for ongoing cash flow needs
Quick Loans up to $250,000 ideal for large, onetime purchases
Quick Loans collateral options can include equipment, vehicles or inventory
SBA 504                 Up to 85% financing
Fully amortized loans with no balloons
5 and 10 Year Fixed Rate

The SBA 504 Program provides a method to finance real estate expansion projects through long-term, fixed-rate financing.   The 504 is different from the 7(a) in that it is offered by the SBA in partnership with a participating lender (bank or non-bank).” The 504 loan program consists of two loans. The first loan and lien position is offered by an authorized lending institution and the second loan or second lien position is offered by the US SBA via the efforts of a certified development company (CDC).

504 eligible project costs include;
Land and building acquisition
Site improvements
Building improvements
Professional fees, including architect, appraisal, environmental
Other costs, including title insurance, survey, points and interest on interim loan
Machinery and equipment acquisition
The main advantages of the SBA 504 program are as follows;
Small equity injection, as little as 15% toward the total eligible project
Long-term financing is available, up to 25 years on loan 1 and up to 20 years on loan 2
Very favorable, fully amortizing fixed-rate pricing on loan 2 at market

Most closing costs are eligible for project financing
SBA 504 loans may be assumed
The SBA 504 loan program highlights are:
Up to 85% financing
Fully amortized loans with no balloons
5 and 10 Year Fixed Rate
Terms to 25 years
Loans up to $15 million


 Find Out How Much Funding You Qualify For

 Our customized lending solutions help you achieve   your goals easily and affordably.

​CALL TODAY 415-691-2070 

                           GUIDELINES ARE AS FOLLOWS:​​

  • Merchant must deposit a min of 25k a month to qualify
  • ​M​inimum 3 deposits a month-min 1k avg daily balances
  • No more than 3-4 NSFs per month
  • No dismissed bankruptcies
  • Discharged bankruptcy is OK
  • 3rd position and higher must have exceptionally strong avg daily balances to be considered
  • No Collection agencies, Check Cashing places, Financial services companies, and Oil services companies
  • Construction and Trucking- lighter offers are given
  • Our Private Group can fund up 2 million in 1st pos. max 12 months
  • ​There is no minimum required credit score or personal guarantees
  • Your business does not have to accept credit cards to be approved for funding​
  • ​Any merchant who was just funded but needs more money immediately is OK!
  • Merchants who need renewal funds quicker than other funders are offering!
  • 3rd and 4th positions seeking 20-60k, A-, B and C Paper OK!​
Loan amount
SBA/Line of Credit/Merchant
Purpose of loan
business name/address
Monthly Income
We Are
We Are
We Are
Problem solvers


Finance Your Business with Commercial Equipment Loans

CITI Advisors Lender network is a leader in the equipment financing industry. With our Lowest Payment Guarantee6 and no down payment requirement, we cost you less. Our dedicated Loan Specialists will work to get you a quick approval on virtually any type of equipment. They will then find the payment option that’s best for you.

  • Receive a quick decision and get the equipment you need.
  • Up to $150,000 in equipment leasing
  • New or pre-owned equipment
  • Wide variety of payment options
  • Huge potential tax savings via Section 179

Equipment Financing with No Down Payments or Collateral Required

With equipment financing from our Lender Network, fast approvals and no down payment help make the process quick and easy. We'll custom tailor a program that meets the unique needs of your business, including monthly payment amounts, payback terms, upgrades, and buyout options.

How Do I Apply?

You can technically use any type of loan to buy equipment, but for one where the equipment acts as collateral for the loan, you can apply to online by completing the short form above. 

Fill out a brief questionnaire.

Answer a few questions and, in just a few minutes, see which loan products you qualify for.
Review your matches with us.
We'll reach out to walk you through the products you matched with. Learn the ins and outs of each before applying (and which will help your business most).

Apply to multiple lenders with one application.

Pick what you want to apply for and complete one, simple application — no matter how many lenders and products you choose. No repeating information. No wasting time.

Get your offers.

With multiple offers in hand, you can shop for the right product and best rate. We'll help you do the math and decide what's right.

What is Invoice Financing?

Accounts receivable financing lets you get paid for your outstanding invoices right away—for a fee.

What Do I Need to Qualify?
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Disclaimer: These are general qualifications. Other information might be considered during your application.

[How do I apply for Invoice Financing icon]

How Do I Apply?

There are different types of invoice financing, but most of these options can be found online. Compare a few different types of invoice financing through companies such as BlueVine, Fundbox, and Triumph Business Capital below.

FAST Small Business solutions

Bad credit Business line
Bad Credit Business Loans
Flexible Terms
No Collateral
Approval in hours
​48 hour funding

Business cash Advance
Business Cash Advance
No Upfront Fees
 Simple Application
No Obligation
48 hour funding

Merchant Cash Advance
Min $2,500/month Credit Card Volume or
$10,000 gross monthly sales
​48 hour funding

Finding a company to approve your business for additional capital when you have bad credit used to be nearly impossible. In the current economic environment it’s still a tough task, which is why we created a niche to satisfy those specific business owners. We believe it only makes sense to approve those qualified businesses that need the capital to grow regardless of their owners past personal credit history. However, having an idea for business is one thing, and executing it is another thing altogether. You need capital to grow a business to even greater profitability.
Prove that your business sales are $10,000 or more. This usually means, bank statements. If you do not put anything in the bank we cannot underwrite the file and unfortunately, we cannot help you.
Demonstrate an ability to pay the loan back. If you are planning on going out of business we cannot really help.
You get the loan in as little as 12 hours.
Up to $500,000, rates as los as 8%
You don’t have to pay any upfront fees to qualify.
You don’t need a minimum deposit or ending balance to qualify.
You can use the loan to finance a wide variety of businesses, including retail, restaurants and service-oriented businesses.
The interest on business loans is tax-deductible. This means you can manage your tax issues more efficiently.
You have a chance to help out your poor credit rating by repaying the loan on time.

FICO Score is not a determining factor
Must be in business for at least 3 months
All industries accepted
One of the biggest challenges for struggling businesses is locating the capital that they need to survive and thrive. If you are a business owner seeking growth and expansion, then a merchant cash advance might be just what you need. Such an advance can provide you with the funding you require for equipment purchases, employee reimbursement, business ventures, security and more. CITI offers a unique type of product that it designed to help businesses that are struggling in a competitive industry. The best part about a merchant cash advance is that you do not have to have perfect credit nor do you have to pay it back via fixed payment intervals.
How It Works
CITI will work on your approval with no upfront fees. The company will look at your credit transaction details instead of your credit report. Your receipts will tell a clearer story about the amount of money your businesses has the potential to earn over the course of time. AFN can then get your business the funds that it needs, as the company will feel confident about your ability to repay the advance. The lender will deduct a percentage of your future sales until you have satisfied the requirements of the agreement.
  No Upfront Fees
Merchant Cash Advances vs. Traditional Lending
Traditional business lenders have a habit of being strict and judgmental. They sometimes fail to see a business’s potential because their focus is on credit score and collateral. A merchant cash advance gives a young business a chance to survive by disregarding credit score and focusing on earning potential. Therefore, you can still find your way to flourishing business ventures even if you have been through tough financial times. A merchant cash advance measures your worthiness by the feats that you can accomplish rather than your credit history. We look at over 2000 different data points including the human element which we know is the real driving force behind every business.

A business cash advance functions similarly to a business loan that is often available through a traditional bank.
There are no minimum credit scores required or collateral requirements for this product.
Once the business is approved, there are no restrictions as to how the funds can be used for the business.
Business owners can repay the loan on their terms while using funds to handle debts and meet short-term business cash flow needs.
Why do business owners turn to business cash advances?
Business cash advances provide a business with opportunities to meet their cash flow needs with flexible payback options. These programs have some of the highest approval rates, making it widely accessible to businesses from all sorts of backgrounds. Bankruptcies, tax liens etc. we will find a way to get your business approved. Fast approvals mean that business owners don’t have to worry about waiting a lengthy period of time to wait for a decision as they would when working with traditional banking institutions.
High Approval Rates
Simple application processes and no application fees means that there isn’t a ton of paperwork that must be completed in order to participate in the program. Business owners do not have to worry about providing collateral in order to be considered for a loan, nor do they have to risk personal assets in order to qualify for the program.
How do these programs work?
A merchant cash advance is similar to a loan but it isn’t a loan. The funds are secured based on future, anticipated sales based off of the businesses’ revenue history. The merchant cash advance is more flexible in nature, which makes it easier for business owners to gain access to funds to meet their cash flow needs. Typically, a small percentage of the sales that are generated are applied to repay the advance. During the slower months, less is taken out because the deductions are based on sales generated.
Inventory Financing
Conract Financing
Accounts Receivable Financing

Contact us today

Contact us today 

Contact us today

When a business encounters some cash flow problems, it faces the possibility that it may not be able to adequately restock its inventory. As you may know, this can lead to driving away customers. You will have to make some critical decisions at this point. Do you selectively turn down job orders or find some way to get the funding to restock? We can offer you our inventory financing services to help you resolve such situations.
Entering into a contract that’s bigger than those you’ve previously completed is one of several ways to ignite your company’s growth. Will you have enough free working capital to accomplish the contract along with other obligations? Let us help you answer that question through the contract financing services that we can offer you. With $500 million in private funding and access to virtually unlimited capital for commercial lending, we can support you in any large contract you decide to take on.
Businesses need quick and reliable financing options when cash flow is tight and loan or credit requests through the usual banking channels seem to take too long. Traditional financial institutions typically rely on inflexible categories such as those reflected on the balance sheet. This can certainly be limiting at times when liquidity is a critical issue. Let us help you extend your borrowing capacity by offering our accounts receivable financing option.