有许多在线贷款选择提供小型商业期限贷款250,000美元。但是，如果他们需要超过100千万美元或250千万美元，企业会做什么？最近，该领域已扩展到明显高于250k的贷款。当我们从微小的商业或非常小的业务上升并进入下层市场时，这些公司需要更大的资本需求，也许是资金机械，或库存或建筑物（或销售队伍）。
How does a business owner compare the various online lending options now offered by both digital business platforms likeDealstruck那P2Binvestor那TheCreditJunction那InternexCapital还有其他与技术的这个空间，投资者和银行线，并使用互联网来发起优惠？
这不是一个空间，即在甲板上，贷款俱乐部和繁荣在SMB中扮演的贷款人的空间，因为他们的重点是自动化，没有手动承保，从而在250 k以下贷款。
Up until recently, besides a small business going through a bank (or credit cards), one of the few options was factoring and merchant cash advances.商家现金预付款，如果商业销售未来的信用卡（和其他）应收账款以换取一次性支付，可以具有非常高的有效利率，通常超过50％。
是什么让这些新的在线网站吸引人的吸引力是，与商家现金预付款相比，一系列信贷是一个比MCA的资金库存更加负担得起的选择。普通的非APR基础MCA“购买率”为25％，或1.25。这些贷款中的大多数都有2-3％的起源费，从收益中扣留。
表：比较P2Binvestor，Dealstruck和信用结的贷款特性
| P2Binvestor | Dealstruck | TheCreditJunction | 商家现金推进（通用） | |
| Maximum Amount That They Lend | $ 250,000 - 500万美元 | 商业期限贷款高达5000K，信贷额度高达500k | Flexible loan options from $500K to $5M, non formulaic credit review | $ 5,000 - 150,000美元 |
| Terms | Revolving (average one year contract however) | 6-48个月的任何地方，双周或每月付款和4月。条款贷款有固定的每月付款，条款长达48个月的时间。 | Normally 6-36 months | 3 - 12 months |
| 估计平均APR范围 | 12% - 20% | 服务较大各不相同的借款人和费率在任何地方介于10％至28％的APR。 | Average rate is 14% to 19% (lines of credit – interest only, and term). No hidden fees | Over 100%. |
| 批准时间 | 5天 | 在不到60秒的时间内进行预结。签订合同并在短短2天内获得款项。 | 4天 | 3天 |
| Minimum Credit Score To Get Approved | No minimum | 个人信用评分至少600 | N / A. | 没有最低限度 |
| 个人保证 | 是的 | 是的 | 是的 | No |
| Customer Profile | B2B，U.S.级为500,000-15毫米，收入10％+年增长率，趋于现金流博彩汶，业务2年以上，资产保护线（AR，库存，每月重复收入） | 中期奖金企业借款人 - 谁无法获得银行贷款，其替代是为理解和MCA贷款.Dealstruck在违约事件中触发的借款人具有加速权，以及执行债务结算的能力。 | Manufacturers, suppliers & distributors between $2-$20M in annual revenue | |
| www.p2bi.com. | www.dealstruck.com | www.thecreditjunction.com |
Source: Trade Financing Matters, Companies
有趣的是，了解每个公司如何贷款。P2BInvestorlines of credit are funded from balance sheet, then packaged up in a diligence file and offered to their crowd for participation on a private, proprietary lending platform. Borrowers use a special online platform to draw funds from their account as needed, are required to upload a sales journal periodically to update eligible collateral, and use the platform to access comprehensive reporting for easy management and accounting. Line increases are available in 24 hours as needed.Dealstruck有自己的银行线条和私人来源。TheCreditJunctionuses private capital.
We believe these firms are helping to create options for a market that has been historically underserved and believe increased awareness is a good thing for the market.
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