Interest-Only Flex Pay Loan

Niche B2B Funding offers the most aggressive interest-only product in the marketplace, the Interest-Only Flex Pay Loan. It even better now. We believe growing your business shouldn’t mean sacrificing your cash flow, and with our new and improved Interest-Only Flex Pay Loan it doesn’t have to.

Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year! Even bettter, it also carries a Line of Credit with unlimited draws for up to a year. After the interest-only period, you have the option to pay the principal, or we’ve created the perfect safety net – a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence!

Powerful Upgrades to an Already Amazing Loan Product

The minimum loan amount to start the interest-only period is now $50,000, reduced from $150,000

Pay only interest for up to 1 year (52 weeks), with the option to roll over into an amortizing loan for up to 2 years (104 weeks)

The product will now offer a line of credit throughout the interest-only period (26, 40, or 52 weeks), based on the difference between your maximum loan approval and the initial amount borrowed

During the line of credit period, you can take unlimited draws of $25,000 or more, up to your maximum loan approval amount

You can access your initial loan amount through multiple draws on consecutive business days for easier early payoff when funds are available. The first draw must be at least $50,000, with subsequent draws starting at $25,000 or more. Keep in mind that early payoff will incur minimum finance charges for the entire interest-only period for each IO Flex Pay Loan (or draw)

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Save more when it counts

Utilize our funding to complete your high-return projects, enjoy the first year of interest-only payments, and benefit from lower costs!

Higher Loan Amounts

You can access loan amounts up to $500,000 if you own a single entity or up to $750,000 with multiple entities

Low Interest Rates

Qualified borrowers with established businesses, consistent annual sales, and good credit may qualify for our lowest rate starting at 15%

The Ideal Safety Net

At the end of the interest-only period, you can either pay off the principal or take advantage of our built-in rollover amortization option for up to 2 years

When selecting the right business lender, comparing loan amounts and repayment terms is crucial because...

Size Is Critical!

Larger Loan Amounts, Longer Terms & Big Rewards

Large projects often require significant upfront investments that a merchant cash advance can't provide. If you're ready to make a substantial leap this year, get financing that suits your needs perfectly. You can now borrow up to $1,000,000 with terms extending up to 36 months, enabling you to fund your major projects while keeping costs manageable.

The average loan amount is more than six times larger, and the repayment terms are over three times longer than those of a merchant cash advance. With higher loan amounts, you can seize growth opportunities that greatly impact your bottom line, and with extended terms, your payments remain manageable, ensuring your cash flow stays intact! See the comparison below:

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Financial Business Loan

Average Repayment Term	23 Months
Max Repayment Term	36 Months
Average Loan Size	$ 120,000
Maximum Loan Size	$ 1,000,000

Merchant Cash Advance

Max Loan Size	$150,000
Average Loan Size	$20,000
Max Repayment Term	12 Months
Average Repayment Term	8 Months

Distinct Benefits of Our Interest-Only Flex Pay Loan

Rates start as low as 15% with low interest-only payments, up to 1 year

Loan amounts from $50,000 to $750,000

Line of Credit with 24 -hr access to unlimited drafts

Buit in safety net rollover amortization of 18-24 months, when interest-only period is reached,

Funding is as little as 3 business days, subject to application and approval

Interest-Only Flex Pay Loan