Working capital
Flexible capital for payroll, inventory, marketing, repairs, expansion, taxes, or urgent operating needs.
MCA + business funding brokerage · Las Vegas, NV
Funding built around how your business performs.
Seven product categories. Honest timelines. No upfront fees. Submit an inquiry and we'll tell you exactly what's possible for your business.
- 7
- Funding product categories
- $10k-$2M
- Typical request range
- $0
- Upfront fees
Merchant-first funding guidance
Compare options without getting buried in lender jargon.
Every business has a different reason for seeking capital. We help you understand which route fits the need, what documents are usually required, and how to move from inquiry to decision with less friction.
Business loan products
Funding products for real operating needs.
Term loans
Structured financing for established businesses that want predictable terms for larger planned investments.
Equipment financing
Funding for vehicles, machinery, tools, technology, and equipment that helps your business produce revenue.
SBA loans
Government-backed loan options for qualified businesses seeking longer-term capital and competitive structure.
Commercial real estate
Financing paths for owner-occupied property, business expansion, acquisition, and real estate-backed needs.
Cash flow financing
Capital designed around revenue timing, receivables pressure, seasonal swings, and short-term cash gaps.
Startup funding
Funding conversations for newer businesses that need capital to launch, stabilize, or create early traction.
Process
A clean path from file to funding.
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1
Tell us what you need
Share the business, funding amount, use of funds, timing, and which product you are interested in.
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2
Match the right product
We review revenue, time in business, credit profile, collateral, documents, and the goal behind the request.
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3
Move toward approval
When there is a fit, we help organize stipulations, offers, signatures, verification, and funding steps.
Broker partners
Become a Black Flag Funding broker.
If you work with business owners who need capital, Black Flag Funding gives you a practical funding desk, clear submission expectations, and responsive communication across multiple product categories.
Become a brokerWhy Black Flag
We work on your side of the table.
Aligned incentives. We get paid when your deal funds, not before. That means our job is finding you something that actually works — not just something that closes quickly and looks good on our end.
Straight answers on your file. We'll tell you what fits, what doesn't, and why. No chasing updates, no vague timelines, no spending weeks on a deal that was never going to happen.
Seven products, one submission. Most brokers work one lane. We work seven product categories. If one path closes on your file, we look at what else is available before we tell you no.
FAQ
Questions before you submit.
Why not just go to my bank?
Banks are built for borrowers who don't really need the money — strong credit, years of clean financials, collateral, and time to wait. Most operating businesses don't fit that profile perfectly, and even when they do, the process can take months. Black Flag Funding works with lenders who underwrite based on how the business is actually performing: revenue, cash flow, and trajectory. We also move faster. If your bank is a fit, great. If it isn't, we can show you what else is available.
What if my credit isn't perfect?
Credit is part of the picture, not the whole picture. Lenders in our network look at revenue, time in business, cash flow patterns, industry, and use of funds alongside credit. A business generating consistent revenue with a lower credit score will often have options that a credit-only review would miss. We won't know what's available until we look at the file — submit an inquiry and we'll give you a straight answer.
Does it cost anything to apply?
No. There are no upfront fees to submit an inquiry or go through the review process with Black Flag Funding. We're a brokerage — we get paid when a deal funds, not before. You won't be charged anything to find out what's available for your business.
What does my business need to qualify?
The baseline for most products is at least 6 months in business and at least $25,000 per month in revenue. Some products — like SBA loans or commercial real estate — have additional requirements around credit, documentation, and time in business. Working capital and cash flow financing tend to be more flexible. If you're close to those numbers or have a specific situation, submit anyway and we'll tell you where you stand.
How fast can a business get funded?
It depends on the product. Working capital and cash flow financing can move quickly once a complete submission is in — sometimes within a few business days. SBA loans, commercial real estate, equipment financing, and term loans involve more documentation and a longer lender review. We'll give you a realistic timeline based on what you're applying for, not a number designed to get you to submit.
What documents are usually needed?
Most reviews start with basic business details, owner information, recent business bank statements, and the use of funds. Depending on the product, we may also need tax returns, financial statements, equipment quotes, invoices, or property details. We'll tell you exactly what's needed once we know which product fits your situation — no guessing, no sending documents that don't matter.
Can brokers submit deals through Black Flag Funding?
Yes. If you work with business owners who need capital, we offer a straightforward submission process, clear expectations on what moves forward, and responsive communication. Use the Become a broker button to start a partner conversation.
Request funding
Tell us what your business needs capital for.
Submit the basics and Black Flag Funding will follow up using the email or phone number you provide. Brokers can still start a partner conversation separately.
Become a broker