Our Services
Business LoansAexa Funding Solutions
FUNDING RANGE AND PROCESSING FEE
FUNDING RANGE
UNDERWRITING FEE
CAD $5,000 – $300,000
Minimum $349
Otherwise, 4% of the amount
TERMS
MIN/MAX FACTOR RATE
TERM LENGTH
1.34 to 1.60
1st position
Up to 6 months
2nd, 3rd, & 4th position
Up to 5 months
5th position & above
Up to 3 months
ELIGIBILITY CRITERIA
MINIMUM REVENUE REQUIREMENTS
PERSONAL CREDIT SCORE
Minimum Equifax score of 450 and above
If the business has any debts in collections, proof of repayment must be provided
General businesses
$10,000+ Revenue
Per Month
Trucking
$500,000+ Revenue
Per Month
$100,000+ Revenue
Per Month
Construction
ELIGIBILITY CRITERIA
TIME IN BUSINESS
DAILY FUNDING CUT-OFF
AVERAGE DAILY CLOSING BALANCE
Final approval (including all documentation, signatures, and merchant calls)
must be received by 4 PM EST on the day of application
Must have at least $400 in daily closing balance
MIN DEPOSITS
DEBIT STRUCTURE
Frequency Daily and weekly debits (Up to underwriter’s discretion)
General businesses
Minimum of 5 deposits per month
Trucking
Minimum of 8 deposits per month
Minimum
At least 1 year in operation
Exceptions
Minimum 3-month bank statement history is accepted for
serial entrepreneurs, contingent upon a secondary revenue-
generating entity serving as a corporate guarantor
ADDITIONAL TERMS & CONDITIONS
NEGATIVE DAYS
Allowed
9 days or less in the past 3 months
NSF (NON-SUFFICIENT FUNDS)
Businesses are allowed up to 3 NSFs per month
FUNDING POLICIES
THE FUNDING PIPELINE
Submission
TOP-UP ELIGIBILITY
EARLY REPAYMENT DISCOUNT
Within 30 days
15% off the cost of borrowing
Within 60 days
10% off the cost of borrowing
Application and
3 months of recent
bank statements
Underwriting
Credit pull
conducted upon
file submission
Verification
Submission and
vetting of all
required stipulations
Execution
Direct merchant
contract delivery and
electronic signature
Validation
Mandatory merchant
verification call
(Video)
Funding
Final disbursement
of capital
Payback
Threshold
Minimum 50% paid-off on their current advance
Payment
Integrity
Minimal modifications or interruptions to the original
payment schedule
NSF
Constraints
No NSFs with within the last 2 weeks;
maximum 3 NSFs within the last 30 calendar days
INELIGIBILITY FACTORS
The following are common reasons why applications may be declined
More than 3 NSFs in one month.
Defaulting with other funders.
Being overleveraged (unable to afford more payments).
Low personal credit score or inadequate business credit.
Failure to meet underwriting standards for certain industries.
Insufficient revenue or deposits.
Overutilization of overdrafts or lines of credit.
Business has no employees.
The business address is invalid.
The business is an owner/operator business or has suspicious behavior
on bank statements.
Payment failure with other lenders Bankruptcy, consumer proposal,
judgment and/or collection.
RESTRICTED INDUSTRIES
The following industries are typically not eligible for financing
Banks, Credit Unions, Mortgage
Lenders
Stone Reseller (countertop, ties,
paving)
Factoring & Purchase Order
Financing
Credit Protection, Restoration
& Repair
Collection Agencies & Debt
Buyers
Securities & Commodities
Dealers and Brokers
Real estate agents or
brokerages
Financial Transaction Processing
Debt & Tax Reduction Services
Non-Bank Finance Companies
Churches
Bail Bonding
Money Services Businesses
Gas station
Auction houses
Event planner and organizer
Auto dealerships
Marketing agency
Jewelry
AirBNB
Travel agency
ADDITIONAL INFORMATION
Underwriting will respond within 4 hours (operating business hours).
Operating hours are 9 to 6 pm EST.
Submissions received after 4:00 PM EST will be processed the same
day or by the following business morning.
EXCLUSIVITY POLICY
All files are protected for 10 business days from the date of submission.
Exclusivity is strictly determined by the electronic timestamp of the
initial submission.
Upon final payment, the funding broker retains exclusivity for
10 business days after the balance is paid in full.
ALL MONTHLY REVENUES MUST BE CONSTANT NOT ON AVERAGE. (MANDATORY)
Specialties
Get your Business Loan
Apply for your loan down below.
— Carlos M., restaurant owner
— Lisa T., boutique owner
— James R., bakery owner
— Danielle K., auto repair shop
— Marcus W., construction company
Process
Try Our Trademarked Process
Research & Analysis
Roadmap planning
Submit Application – Provide basic business docs (bank statements, processing history).
Underwriting – AEXA reviews revenue trends, not just credit scores.
Offer & Acceptance – Receive clear terms (factor rate, holdback %, payback amount).
Funding – Capital deployed in as little as 24–48 hours.
Repayment – Daily or weekly automatic deductions from sales.
Renewal – Upon substantial repayment, unlock larger, better-priced renewals.
AEXA focuses on speed and revenue-based fit—ideal for businesses with strong card sales but non-traditional credit.
Execute & Monitor
Clients
Trusted by Top Companies Around the Globe
From Our Founder
Make Your Own Opportunities
1. Look Beyond Traditional Metrics
Don’t just rely on credit scores. Opportunity lives in daily card sales, consistent revenue streams, and business potential. AEXA helps you identify funding-ready merchants others overlook.
2. Build Relationships Before they Ask
Reach out to small business owners before they need capital. Offer insights, not just offers. When cash flow tightens, you’ll be their first call—and AEXA’s fast, flexible funding will seal the deal.
3. Leverage AEXA’s Speed & Transparency
With quick approvals, competitive factor rates, and clear terms, you can move when others hesitate. Speed creates opportunity—and AEXA gives you the edge to close more deals, faster.
Your Move
Stop waiting for leads. Start creating them. With AEXA Funding Solutions as your partner, every conversation is a chance to grow your MCA portfolio—and your future.