Arms Capital PartnersGet the Funding You Need.
Arms Capital Partners is dedicated to providing you with the financial support necessary to advance your business. Our cutting-edge technology enables us to rapidly evaluate your company information and select the most appropriate business lending partners for you from our extensive network of finance professionals.
Rest assured that we always stay up to date on loan regulations, enabling us to connect you with the best business funding opportunities available for your specific requirements.
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How it Works
Answer a few basic questions and compare multiple loan offers without affecting your credit score. You're in control of the process and can make an informed decision that meets your needs. Our technology enables us to promptly evaluate your company information and identify suitable business lending partners.
When looking for financing, it's important to know that there are many different types of loans available. Therefore, it's crucial to educate yourself on the various loan options available in the market. Below are some of the common loan types that you may come across when exploring your financing choices.
Short term loans
A short term loan is a financing option designed to be repaid within a relatively brief duration of time, usually one to two years, and in some cases, slightly longer. This type of loan is commonly used to finance working capital, inventory or equipment purchases, and marketing initiatives. Short term loans offer swift and convenient access to funds, with lenient underwriting standards, and flexible repayment options.
Long term loans
When aiming to make a significant investment or expand your business, a long-term loan is a wise choice to explore. These loans generally span from 5 to 10 years, and in some instances, even up to 20 years. Long-term loans can come with either fixed or floating interest rates, and the borrower may need to provide collateral, such as real estate, as a guarantee for repayment.
Line of credit
A line of credit is a flexible financing option that offers a predetermined amount of capital that can be accessed when required. As opposed to a conventional term loan, a line of credit allows the borrower to use all or a portion of the funds whenever needed, up to a fixed limit. Interest is charged only on the outstanding principal amount utilized, and the borrower has the flexibility to repay and reuse the funds as needed.
Merchant cash advance
Cash advances are a financing alternative that typically does not require a Personal Guarantee, making it riskier for the lender. Unlike traditional loans, cash advances do not come with a set term, payment schedule, or specified interest rate. Instead, they are repaid based on a fixed percentage of the customer's future cash receivables, with the total payback amount pre-determined at the time of purchase.
Employee Retention Tax Credit (ERTC)
The Employee Retention Credit (ERC) is a program that was created to encourage small businesses to keep their employees during the COVID-19 pandemic. It's basically free money that businesses can use to lower their tax bill. Although it didn't receive as much attention as the Payment Protection Program (PPP), it's still available for both 2020 and 2021. Even small businesses that received PPP loans can still take advantage of the ERC. By the end of the 2022 tax season, there will be millions of dollars available through the ERC. If you think your business may qualify, it's worth checking into and claiming what you're eligible for.
How ERTC Works
The Employee Retention Credit (ERTC) is a type of tax credit based on how much you pay your employees. This credit is different from regular income tax and is based on payroll taxes. You can still get the credit even if you didn't pay any income taxes in 2020 or 2021. The best part is that if you qualify, you can get money back as a refund from the IRS. This means you may get more money back than you paid in payroll taxes. However, a small part of the ERTC is not refundable and is based on how much you paid in employee Social Security and Medicare taxes.
Do You Qualify for ERTC?
Number of employees
Tax year 2020: 100 or fewer employees
Tax year 2021: Fewer than 500 employees
Impacted by pandemic
Meet one of the following conditions
Reduced revenue in 2020 or 2021 resulting from government mandates
Drop in revenue
Tax year 2020: less than 50% of 2019 receipts
Tax year 2021: less than 80% of 2019 receipts
Recovery startup business
Opened after February 15, 2020
Annual gross receipts under $1 million
Have one or more W2 employees