New Era Lending provides short-term 3 to 12 months working capital for a range of operational needs. Typically, our clients choose to finance temporary dips in cash flow, invest in new equipment, or make time sensitive inventory purchases. We provide funding for small and medium businesses in all industries nationwide with at least 6 months operating history and of minimum $10K in revenue per month. A simple online application and 4 months bank statements can get you an offer in as fast as 4 hours.

As a private lender, New Era Lending invests in projects that institutional banks may deny or simply might take months to complete. Our relationship with the borrowers can be summarized as partnership for the duration of the loan: we are not a broker, we stand behind every loan from start to finish.

Benefits of a Merchant Cash Advance

Merchant Cash Advance is not a loan. One of the most beneficial aspects of MCAs for business owners is that MCAs are not loans. This means that instead of a payment book staring at you from your accounting books with pre-established due dates, you know the percentage of credit card transactions that you will use to repay the cash infusion. For you, the business owner, this means that your repayment amount is proportionate.

Fast Processing. Because an MCA is not a loan, it does not take us two, four, or more weeks to process loan paperwork. In fact, we can get you a response to your application within hours. This means that you can have access to the money you need, in your account, as soon as 24-48 hours after you submit your application.

Personal Partnerships. New Era Lending also provides you with a partnership for the duration of your loan. Banks often turn around and sell your loans to other brokers, but we do not do that. We stand behind you and your Merchant Cash Advance for the duration of the cash advance process, from start to finish.

Some of the Industries We Serve

We provide unique financing options, and we understand that business owners have unique financial needs. Each industry comes with its own set of needs, services, products, and growth opportunities


The challenges of restaurant owners are many, and maintenance is one of the most crucial components. You are responsible for more than food – you are giving customers an eating experience.


If you’ve already launched and have been running your restaurant for a while, you still face financial hurdles. Equipment breaks, customer bases change, and competition evolves. A Merchant Cash Advance can address all of these needs – and more.


If you’re in the retail industry, you know that your opportunity as well as your challenges, can present quickly and your response has to match. Be sure to ask us how a MCA can help you reach your retail goals.
As a business owner in the retail industry, you know that your world is consistently evolving. There are marketing, advertising, inventory, potential inventory, retail space, and growth opportunities awaiting you around almost every corner. A Merchant Cash Advance can help you meet these issues head-on, making the most of your corner in the retail world.

Service Providers

One of the biggest challenges that those in the service industry face is the often lack of robust collateral. There are not storefronts filled with products that can be used for backing a loan.
The capital infusion can be used to get a service business off the ground, supporting things such as marketing and peripherals such as financing the technology for the front-end office. Perhaps you are working towards a goal of establishing a larger customer base, but you need to expand your employee training hours or buy new equipment for those extra employees. An MCA might just have the answer you need to reach those goals.


Your lodging business is about more than providing a place for guests to sleep. You need to address all of their daily needs – 24 hours every day of the year.
Perhaps over time your hotel has had one too many “rowdy” guests and it is just time to update and upgrade so that your business can continue to grow. Little things like fresh bedding, repairs in hallway carpeting, or updates to onsite dining and entertainment venues can make all of the difference in your industry. A Merchant Cash Advance from New Era Lending can help with both emergency repairs and longer-term remodeling.


The healthcare industry encompasses a network of caregivers, patients, equipment, exam or treatment rooms, office space, and more. All of these components are crucial to the end-goal – the care of the patient.

At New Era Lending we work with a variety of clients in the healthcare industry as they work to reach their end-goals.
Perhaps you are a dentist and your waiting area is in need of a serious makeover. The financial infusion from a Merchant Cash Advance can help you take care of these needs, so you can keep taking care of your patients.

Green Energy

We provide companies with the capital to support their green energy efforts. Those companies reduce their negative energy practices and become eligible for financial incentives from the government.
Companies that want to take advantage of the governmental benefits, as well as lessen their own carbon footprints, might not be able to convince a traditional bank that these updates or modifications are worthwhile. This is where New Era Lending and an MCA can make the difference.

Oil and Gas Companies

The nature of the business means that production needs fluctuate – and access to almost instant cash is an extremely valuable and business-changing opportunity.
Encompassing a large variety of clients, this industry continues to expand in size and scope. Water oil drilling, targeted attempts to reduce pollution and environmental impacts, and other emerging fuel fields draw new business owners, but also an inherent amount of risk. This risk, coupled with any previous credit or other business problems, can make securing capital for those in the oil & gas industry very challenging.


Access to quick capital can mean the difference between staying in business and wilting away if the products in the greenhouse fail. Florists use MCA financing to support marketing, renovation, and updating efforts.
For centuries flowers have been used to communicate – to celebrate, recognize, and even sympathize – as people send flowers and arrangements. As rich in history as this practice is, business owners in the floral industry who seek financing can run into roadblocks – often because their collateral is delicate. If greenhouse technology fails, a florist can quickly lose stock. This makes their business a risk, but is also highlights why the florist can benefit from a Merchant Cash Advance.


Franchise owners have demanding financial needs. There are issues for equipment and marketing updates, as well as staff hiring and training. MCA can help these franchise owners stay on top of these demands.
One of the biggest draws of franchise owners to MCAs is the fast access to capital. Banks need weeks, at minimum, to process and provide the funds. Unfortunately for business owners, this time is priceless and waiting for standard business loans can detrimentally affect the bottom line. An MCA gives you the cash you need when you need it so you can get on with continuing to build your franchise.

Commercial Fishing

Business owners often need to take certain levels of risk. Whether it is repairing equipment, investing in new one or hiring new employees, an MCA can give you the financial support you need to reach your goals.
Commercial fishing and farming supplies the products necessary to meets the demands of the seafood and fish markets, from grocery stores to high-end restaurants. Even with these specific needs, there are inherent risks within this industry. Depending upon the climate where the particular business exists, owners might rely on seasonal harvesting, leaving gaps in direct working hours and customer payments. Those in the fishing industry also have to contend with factors beyond their immediate control, such as changes in the environment that affects fishing production.

Commercial Timber Industry

While the timber industry has existed in the US practically since the inception of the country, it is not considered a traditional industry, especially by banking institutions. It relies on a variety of sequential successes, from seeding to mill production.
A Merchant Cash Advance can be just what your business needs to gain capital for those steps in the process. Whether you need to gain access to new timberland, repair equipment in your processing facility, invest in new vehicles, or incorporate new technologies into your business, an MCA can help you grow your timber business.

Commercial Trucking

A MCA from New Era Lending can provide you with the capital to grow your trucking business. You can expand your routes, lease new equipment, and repair existing equipment, without having to wait the traditional 4 to 6 weeks for bank lending approval.
Commercial trucking is an underlying support system for countless other industries across the United States. Other companies rely on the network of transportation that commercial trucking supplies. However, this can also be considered a risky industry by banks, preventing you from securing traditional business loans.

We Understand the Needs of Business Owners Just Like You


There are hundreds of lenders out there, so we did the legwork for you. Our network consists of the top lenders with different underwriting requirements. We will match your business needs with the right lender for you. Complete one application to apply. We securely save your information  and  you won’t need to refill the same forms over and over. 

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Affiliated Programs

  • Are you limited to what you can fund?
  • Do you have good deals?
  • Are you hitting a ceiling in the amount of money you can lend?
  • Our team will work with you side by side to get you the money you need to fund the best deals in the market.
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Who We Are

Our Core Business Advantage

We streamline application and screening processes, business owners can have much faster access to working capital with New Era Lending. Fast access to capital means that your business can propel and stay on track.

We also take a different look at credit history when compared to traditional banking systems. Instead of looking back six years to a late payment, lending institutions such as New Era Lending pay attention to the recent work history of the company. This relevant information influences the lending decisions. Also, because merchant cash advances supply business owners with necessary cash for daily operations, these owners are capable of using the funds as they see will best impact the company.

Another benefit of the merchant cash advance for small to medium companies is the repayment schedule. Unlike traditional loans, merchant cash advances do not have fixed payment amounts each month with a final end payment date. Instead, repayments are based in part by sales, providing repayment flexibility to business owners.

New Era Lending also provides you with a partnership for the duration of your loan. We stand behind you and your Merchant Cash Advance for the duration of the cash advance process, from start to finish.

If you are interested in gaining capital to keep your business running and take advantage of the increasing demand, perhaps it is time to talk about a merchant cash advance. Move beyond the long waits for paperwork approval and consider the benefits of fast decisions, flexible repayments, and the opportunities that come with available working capital.

Skills We Use

Underwriting 95%
Sales 97%
Business Development 90%
I am very impressed with the high level of professionalism I experienced from the staff at New Era Lending. The staff made the loan process as simple as possible. They were very efficient with processing the loan and depositing the funds into my account. These additional funds have allowed me to purchase additional inventory for my power equipment business and provide a down payment for a future delivery truck.
Mohammed , Supply Manufacturing Business
I want to take a minute to thank you. It has been a sincere pleasure working with you on the servicing of our loan through New Era Lending. In these trying times it is a relief to have a source of fast capital to ensure the stability of cash flow for our business. Our funds have primarily been used to buy necessary inventory in anticipation of the new months’ growth-at the moment we project a 10 percent increase over the winter months. With conventional financing out of reach for most viable businesses today, your company provides an excellent alternative. I look forward to our continued relationship with New Era Lending and I recommend you highly to my peers.
Scott , Molding Company
New Era Lending has been a tremendous help to my company because, as an insurance agent, with no hard assets, it’s very difficult, if not impossible, to obtain funding through traditional finance channels. New Era Lending has helped me grow my company and meet my goals. I wouldn’t be where I am today without the repeated financing from New Era Lending.
David, Insurance Company
First of all I would first like to say Thank You. Without the financial help that New Era Lending was able to provide me as a small business owner I would not have been able to incorporate new equipment and products into our Day Spa & Salon. By offering new services we are able to turn a profit and keep our business thriving, which allows us to always be on the cutting edge in our industry and ensuring returning clientele. Even better, when our primary cash advance lender turned their back on us, New Era Lending was able to step in and provide the capital to keep us running. Thank you so much.
Tamera, Spa & Salon
First of all. Thank You! Thank You! Thank You! And Yes! Your loan program has elevated us to the next level in our business and helped us during our cashflow emergencies. I personally want to thank New Era Lending for the attention and concern they have shown me. When I needed a financial hand, New Era was there. God bless all of you and your families.
Phil, Auto Repair Business
I came across New Era Lending when my company ran into some financial trouble that we were unable to satisfy by regular day to day means. When no one else could, New Era Lending gave us the option of a working capital loan and let us pay it back fairly quickly by setting terms we could succeed with. Their willingness to work directly with my staff and professionalism to make sure the process was easy and smooth. All without charging me some exuberant excessive fee. I look forward to working with you again.
Richard , Industrial Engineering Firm

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