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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.

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Working Capital Loans for
Small Businesses

One page application – approval in hours – funding in days


A Lending Partner
You Can Trust

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

We Lend
“Outside the Box”

No strict bank guidelines – no traditional collateral – no need for perfect credit – only 3 months in business required

Business Funding Options Tailored to Fit Your Needs!

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!

Mulligan Funding has several business funding options to choose from such as Working Capital Loans, Merchant Cash Advances and a Business Line of Credit.


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.


Merchant Cash Advance

Merchant cash advances are not legally considered loans because they are a sale of a portion of future credit and/or debit card sales toward the repayment of the amount advanced by the lender.

Advances usually have short payment terms (generally under 12 months) and small regular payments paid each business day from the proceeds of all credit or debit card transactions that day. Most business owners find the payments much easier to make than traditional bank loans requiring larger monthly payments and longer payment terms. Repayment is facilitated directly from the payment processor that clears and settles the credit card payments. Most often, payment amounts are based upon a fixed percentage of the merchant's future credit card sales.

One of the greatest benefits of this type of business funding is that the payments to the lender fluctuate directly with the merchant's sales volumes, giving the merchant a more focused and efficient pay-down of the debt based upon sales instead of a fixed payment being required even during slow times or seasons. Also, because MCA providers give much more weight to the performance and health of the business than the owner’s personal credit score. Because of that fact, merchant cash advances offer a viable alternative to businesses who may not qualify for a conventional loan. Example of an advance structure: A business sells $25,000 of its future credit card sales for an immediate $20,000 lump sum payment from a lender. The finance company then collects its portion (generally 10-20%) from every credit or debit card sale until the entire $25,000 is collected by the merchant advance company.


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, Merchant Cash Advance, Business Line of Credit and Small Business Loans for Women. Small business working capital loans don’t have to be hard to get!

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