Bad Credit, Bankruptcy or Tax Liens, NO PROBLEM! 

Simple Funding Solutions for Your Business

We provide funds at the lowest rates in the industry with flexible repayment schedules.  With our merchant cash advance  program, we provide an advance lump sum to you and a small percentage of your future credit card receivables is allocated as repayment for your loan. For business owners who do not use credit card processing, we offer unsecured business loans like our ACH loan program. In this case, payments are made through a daily deductions from your bank account, just like with direct deposit. Whatever type of business you operate, Synergy Capital has the loan solution you are looking for.

What is Merchant Cash Advance?

A merchant cash advance is an alternative to other types of traditional financing such as a business loan. MCAs are quick, require minimal paperwork and have a cash flow friendly repayment structure.

With our merchant cash advances, we purchase a portion of your future credit card receipts and advance you a lump sum now. The amount we will advance you is based on your monthly credit card sales and your monthly gross sales volume. 

The advance is repaid automatically by a small predetermined percentage of your future credit card transactions until it is fully repaid. We get paid back only when you are getting paid. There is no collateral or personal guarantee as this type of funding is not a loan. Subsequently, there are no fixed payments or interest rates.


Who Can Benefit From This Program? 

We have funded over 10,000 businesses across the U.S. , and 86% of our customers that have renewed their merchant advances at some point. 

Some of the types of business we fund are:

  • Restaurants
  • Dental Offices
  • Auto Repair Shops
  • Beauty Salons
  • Grocery Stores
  • Furniture Stores 
  • Cannabis Dispensaries
  • Wellness Centres
  • Chiropractor
  • Trucking Companies / Logistic
  • Nightclubs
  • Spas
  • Travel Agents
  • Used Car Dealerships 
  • Adult Video
  • Insurance Companies 

* If your industry is not on the above list please call for eligibility 



Some of Our Funding Programs

 Each business is different, that's why we have a wide variety of funding programs that adapt to each business’ specific situation.

 Starter Program - Designed to provide funds for businesses with poor credit history or businesses that have existed for a short period of time.

Standard Program - Our most popular program; perfect for established retail businesses that process over $10,000 in credit card sales per month.

Premium Program - Businesses that have been in business over 3 years and have demonstrated creditworthiness can utilize this program that offers the lowest rates and longest repayment terms.

Small Business Loans - A funding option for businesses whose transactions consist mainly of cash, checks, and electronic payments.



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Bad Credit Loans

Cash Advance Program

  • Easy application process 
  • Quick approval 
  • No application costs 


Now applying for a business loan has never been easier. There is minimal paperwork involved. Tax return requirements and bad credit history analysis is not needed. Just fill out the easy application form and we will contact you to discuss the financial options available to you.

  • Immediate funding
  • Bad credit loans
  • Bad credit? No Problem!
  • Tax Liens? No Problem!
  • Bankruptcy? No Problem! 

Synergy Capital is in the forefront in providing quick and easily accessible funds to businesses. With our quick approval system and flexible repayment schedules, you will find Synergy Capital the safest and most accommodating place to turn to for a loan.

  • Flexible payment schedule
  • Fast funding
  • Quick renewal process
  • Payment against future receivables via MCA or ACH program  

A business cash advance is the best option for you and the most readily available alternative. We do not require tax returns and bad credit is not a problem, because our cash advance is based on future receivables. No collateral or application costs are involved and funds are provided within a few days.

Connect With Us



  • I was given the best customer service I could have asked for. I asked questions and they were prompt with answering me HONESTLY! My application was processed in the time that was promised. I will definitely use them for my business again! They tell you
    Joseph Moroni
    May 29 2013, 6:07 (AM)
  • Received my loan, it was so quick and easy. What a relief in my hour of need
    Jun 05 2012, 9:40 (AM)
  • I was denied a loan from a other lenders until we found Synergy Capital and got my cash immediately. Hassle Free!
    Ralph Jones
    Mar 13 2012, 5:00 (PM)
  • We required loan Urgently and Synergy Capital were quick to get it to us. Thank You for your quick and professional response.
    Jan 04 2012, 4:00 (PM)
  • I got denied but Synergy Capital got me funded in 48hrs. Their team of specialists are great!!!
    Sep 11 2012, 3:20 (PM)


Our Clients

Contact Us

Phone: 718-569-6331

Fax: 888-959-3827

Email: info 

Corporate Office:

286 Watchogue Road

Staten Island, NY 10314

Branch Office:


141 NE 3rd Ave,10th Floor

Miami, FL 33132

New Jersey:- 

Metro Park Center

33 Wood Ave.South, 6th Floor

Iselin, NJ 08830