<img src="//bat.bing.com/action/0?ti=5295674&amp;Ver=2" height="0" width="0" style="display:none; visibility: hidden;">

Business Funding For Your Growing Business

Working Capital Loans made easy!

The Mulligan Difference

Imagine doing business with a team of skilled professionals that treat you and your business as a valued partner instead of as a number. At Mulligan you don’t have to imagine…

We may have funded over $100 Million dollars in small business loans and served over 50,000 clients, but success hasn’t turned us away from the principles that made us great! Get the working capital you need today. Our process is fast and simple.

You’ll be working with a dedicated funding specialist to make your experience both fast and simple, but you’ll also have access to the CEO of our firm to share your needs, thoughts or concerns. It doesn’t get any better than that!  Well, maybe it does…

At Mulligan Funding you’ll never pay double fees on the money you borrow.  Why is that important? Because we’re the only lender in our industry that doesn’t charge them!

Contact us today to experience the Mulligan Difference for yourself.

Apply Now

Working Capital Loans for
Small Businesses

One page application – approval in hours – funding in days

"Fast, easy, reasonable cost funding."

Quinton D. - FL - Aug 16,2017

A Lending Partner
You Can Trust

Small Business Loans are our specialty. We believe that trust is earned one client at a time!

"Excellent service, fast and loyal to customers."

Kathy N. - TN - Aug 17,2017

We Lend
“Outside the Box”

No strict bank guidelines – no traditional collateral – no need for perfect credit – only 6 months in business required

"Because it was easy and manageable. When I needed money to grow my business Mulligan Funding trusted me with a loan and for that I am so grateful."

Jackie I. - TN - Aug 16, 2017

Business Funding Tailored to Your Needs!

Working Capital Loans – Business Line of Credit  Business Loans for Women

"Great company to work with. Made the process easy."

Jason H. - CT - July 29, 2017


In the News

Mulligan Funding Seen On NBC, ABC, FOX and CBS

Business Funding Options You Won't Find at Your Bank

Alternative business funding sources like Mulligan Funding provide fast business loans for small businesses at a time when obtaining small business loans from banks becomes increasingly difficult. Our application is a single page. The approval process is within hours and funding takes place within days. Compare that process to traditional bank financing and there is no comparison!


Working Capital Loans

Working capital loans can make the difference between success and failure in today's current business atmosphere. Every solid business has sufficient working capital to take care of daily expenses as well as those unexpected strains on their business. They're a great way to access the small business capital you need to grow and strengthen your business. Most businesses have operating expenses such as, workman's comp, payroll, vendors and taxes to contend with. Additionally they need capital for repairs, expansion, equipment, marketing and advertising. You can determine the amount of working capital your business has by computing the difference between your current assets and liabilities. In everyday terminology, working capital is what your customers owe you plus any inventory and cash that you have, minus what you owe your suppliers, employees etc.  

Working capital is a financial measurement that represents the operating liquidity available to a business. Along with fixed hard assets (inventory, equipment, real estate etc.), working capital is considered a part of your overall operating capital. If current assets are less than current liabilities, the business has a working capital deficit.

A company may have assets and profitability but fall short of liquidity if its assets cannot readily be converted into cash. Positive working capital is required to ensure that a firm is able to continue its operations and that it has sufficient funds to satisfy both short-term debt and daily operational expenses.


Business Line of Credit

A business line of credit (often referred to as an LOC) functions similar to a personal line of credit. These types of small business loans are sometimes referred to as a revolving account. The main advantage of a line of credit is its built-in flexibility. It’s is an arrangement between a lender and business that establishes a maximum loan balance that the lender permits the borrower to access. Funds from the line of credit are available at any time, as long as the business doesn’t exceed the maximum amount set forth in the agreement. The borrower must also adhere to all other requirements established by the financial institution, such as making prompt minimum payments.

The financial institution grants access to a specific amount of financing. But, no interest is incurred until the funds are accessed. A business line of credit can be unsecured or secured. In the case of banks, the funds are typically secured by inventory, receivables or other assigned collateral. Lines of credit are often referred to as revolving and can be tapped into repeatedly. For instance, if the LOC provides access to a $100,000 line of credit and $50,000 is utilized, access to the remaining $50,000 remains. If all $50,000 is paid back, there is access to the entire $100,000. The borrower only pays interest on the amount they access, not on the entire credit line. This type of business funding makes for a great working capital loan and is extremely cost effective and flexible.

A line of credit can be extended to a government, business or individual. This type of financing can take several forms, such as overdraft protection, a demand loan, discounting, a revolving credit card account, etc. It’s an established, easily accessible source of funds that can be tapped at the borrower's discretion. Interest is paid only on money actually withdrawn. An LOC is a great alternative to traditional small business loans.

Other sources to obtain financing include but are not limited to the following:


Grants are great when you can get them. But the truth is, in most cases they are very hard to find and even harder to qualify for. Some grants are available through the government (try the SBA first) while others come from private corporations or non-profit foundations.


Factoring is another method to obtain small business capital. Essentially it's finding a lender to loan you money against your account receivable invoices at a discount. When the invoices are paid the entire billed amount goes to the factoring company that loaned you the money against your invoices. As an example, you "sell" invoices amounting to $100,000 to the factoring company for $85,000. Once the invoices are paid, you forward the entire $100,000 to the lender. Remember, with this type of working capital financing, those invoices are used for collateral against the small business loan and cannot be used for any other purpose. Another option is to sell the invoices to the lender and they collect directly from the receivable accounts.

Equity Financing

Depending upon the stage of your business, equity capital financing can be obtained from Angel Investors or Venture Capital firms. Have you ever watched people attempt to find investors for their business funding on the Shark Tank? If you haven't watched the show it's quite an education about what you can expect from these types of investors. Angel investors usually require a substantial stock and profit sharing equity position in the company as well as voting rights. Venture capital firms have the same requirements but usually gain control of the company and the lion's share of profits for as long as they have money invested.


The term Crowdfunding pertains to procuring business funding for a project or venture by raising monetary contributions from a large number of individuals. It’s an alternative source financing rapidly gaining momentum. In 2015, it was estimated that worldwide just under $35 billion was raised this way.

The preferred method of raising capital by crowdfunding is most often via Internet registries. This model is primarily composed of 3 components: the project initiator that proposes the idea and/or project, individuals or groups that support the idea, and a platform or moderating organization that brings the parties together to launch the idea.


Peer-to-peer lending, sometimes referred to as P2P lending, is the practice of raising capital through online platforms that match lenders with borrowers.

Many peer-to-peer loans are unsecured personal loans, though larger amounts are usually lent to businesses. Secured loans are sometimes offered by using personal and business assets as collateral. Other forms of peer-to-peer lending include small business loans directly from friends and family members.

Interest rates on these loans can be set by lenders who compete for the lowest rate on the reverse auction model or fixed by the intermediary company on the basis of an analysis of the borrower's credit. The lender's investment in the loan is rarely protected by a government or institutional guarantee. Some P2P lending companies maintaining a separate, ring-fenced fund, which pays lenders back in the event of a borrower default. The lending intermediaries generate revenue by collecting a one-time fee on funded loans from borrowers and by assessing a loan servicing fee to investors.

Mulligan Funding has several excellent business funding options to choose from. Check out our Working Capital Loans, Business Line of Credit and Small Business Loans for Women. Small business working capital loans don’t have to be hard to get!

We share great business ideas and financing strategies on our Mulligan Funding blog.

Client Success Story



Newsletter Sign Up

Let’s work together to grow and strengthen your business!