JAPH Business Funding

Capital to Grow

Your Business.

From SBA loans to working capital and equipment financing — we connect businesses with the right funding solutions to fuel growth, manage cash flow, and build long-term financial strength.

FUNDING SOLUTIONS

Business Funding Options

SBA Loans

⏱ 30–90 days 💰 Up to $5M

Small Business Administration loans offer the most favorable terms for established businesses. SBA 7(a) loans up to $5M for working capital, equipment, and real estate. SBA 504 loans for major fixed assets.

  • 2+ years in business

  • Good personal credit (650+)

  • Profitable operations

  • Collateral may be required

Business Line of Credit

⏱ 3–10 days 💰 $10K–$500K

Revolving credit you draw from as needed and repay on your schedule. Ideal for managing cash flow gaps, seasonal fluctuations, or unexpected expenses. Only pay interest on what you use.

  • 1+ year in business

  • 620+ credit score

  • $100K+ annual revenue

  • Business bank account

Equipment Financing

⏱ 1–5 days 💰 Up to $5M

Finance the purchase of business equipment with the equipment itself as collateral. Preserve working capital while acquiring the tools your business needs to grow.

  • Any time in business

  • 580+ credit score

  • Equipment quote required

  • Down payment may apply

Working Capital Loans

⏱ 24–72 hours 💰 $5K–$500K

Short-term financing to cover day-to-day operational expenses — payroll, inventory, rent, and marketing. Fast approvals for businesses that need capital quickly.

  • 6+ months in business

  • 550+ credit score

  • $10K+ monthly revenue

  • 3 months bank statements

Merchant Cash Advance

⏱ 24–48 hours 💰 $5K–$500K

Advance against your future credit card and debit card sales. Repayment is a percentage of daily sales — so payments flex with your revenue. No fixed monthly payment.

  • 3+ months in business

  • No minimum credit score

  • $10K+ monthly card sales

  • 3 months processing statements

Invoice Factoring

⏱ 24 hours 💰 Up to 90% of invoice

Turn outstanding invoices into immediate cash. Sell your unpaid invoices to a factoring company at a discount and receive funds within 24 hours. No debt added to your balance sheet.

  • B2B business model

  • Creditworthy customers

  • Outstanding invoices

  • No minimum credit score

FIND YOUR MATCH

Business Funding Marketplace

Answer a few questions and get matched with the best funding options for your business — no hard credit pull, no obligation.

Take the First Step

Ready to Build Your

Financial Legacy?

Whether you need bookkeeping support, real estate guidance, or mortgage financing — JAPH Investments is your comprehensive financial partner.

A comprehensive financial services company dedicated to building wealth and growing legacies for our clients.

JAPH Real Estate Services Disclosure: JAPH Real Estate Services is a personal brand operated by licensed real estate agents and mortgage loan officers affiliated with their respective supervising brokers. Pamela Henry (NMLS #2593168) is a licensed mortgage loan advisor with Coast2Coast Mortgage Lending, licensed in Texas, Louisiana, and Illinois. Joseph Henry, REALTOR® (SA #850135, NMLS #2765078), is affiliated with HomeRock Realty LLC, 24624 Interstate 45 North, Suite 120, Spring, TX 77386 | (713) 459-6546. All real estate and mortgage services are provided by licensed professionals under the supervision of their affiliated brokerages. This website does not constitute an independent real estate brokerage. Equal Housing Opportunity. Equal Housing Lender.

JAPH Business Funding Disclosure: JAPH Business Funding is a marketing brand operated as a division of JAPH Investments, LLC. Business funding referrals are provided through third-party lenders and marketplace partners. JAPH Business Funding does not make lending decisions. All credit decisions are made by the individual lenders. Not all products are available in all states. Terms and availability subject to change.

JAPH Bookkeeping Services Disclosure: JAPH Bookkeeping Services provides bookkeeping, accounting, and tax preparation services. Services provided are not a substitute for legal or investment advice.

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