Refinance your existing working capital loan to manageable daily or weekly payments.

If you are in good standing with your current working capital lender but they are not able to restructure your payments to accommodate your business' needs from the impact of COVID-19, we may be able to help.1

Talk with one of our loan advisors to see how we can help.

Apply now to refinance your working capital loan

Qualifications: In business for at least 9 months with at least $10k/month in average sales


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By refinancing your working capital loan, we can lower your daily or weekly payments

COVID-19 has affected businesses large and small. We understand that your business may not be operating at 100%, but your payments to your lender still continue - and some lenders may be unable to adjust those payments for you. Apply for the Recovery Assistance Loan through Mulligan Funding and let us refinance your loan payments to something more affordable.

How do I qualify for a business loan through Mulligan Funding?

Average Revenue

  • At least $10,000 in average revenue a month over 9 months

Time in Business

  • At least 9 months

Financial History

  • FICO score

    Minimum Score of 600

No more than one fixed daily/weekly debit loan, and free from open bankruptcies

If you fit these qualifications, our loan advisors would love to speak with you to cover some additional qualifications and answer any questions you have about your business loan options.

Apply Online

Or call us at 888-705-3910 to speak with a loan advisor.


  • What is the Recovery Assistance Program through Mulligan Funding?

    The Recovery Assistance Program through Mulligan Funding is a limited-time program under a term loan product tailored towards reducing existing fixed business debt payments, particularly as small businesses recover from the effects of COVID-19. The business will also be eligible for a review for a potential loan increase every 90 days.


    This program will be offered June 2020 through June 2021.

  • What type of loans can be refinanced through the Recovery Assistance Program?

    Most types of business debts can be considered for the Recovery Assistance Program except for credit card debt. The most common type of debt that will be considered for refinancing are Merchant Cash Advance positions or working capital loans with fixed weekly or daily payments. Revolving lines of credit from online lenders may also be considered

  • What are the qualification requirements?
    • – Only one existing advance/business loan can be refinanced
    • – The loan being refinanced must have been paid down for the last 2 months
    • – Minimum FICO of 600
    • – The business is operational and has been generating revenue for the past 30 days**
    • – Other eligibility requirements apply

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