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Funding For Your Growing Business

Working capital loans made easy!

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The Mulligan Difference

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

We’ve funded over $120 million dollars in small business loans, serving many thousands of clients, but success hasn’t turned us away from the principles that made us successful.

You’ll be working with a dedicated funding specialist to make your experience both fast and simple. (Listen to the video on the right to hear our CEO explain our commitment to you.) 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 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

"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


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 fast business funding available for your business today!


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.

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