Accessing business loans in North Carolina is seamless with the right financial partner. As one of the top North Carolina factoring companies, we provide tailored funding solutions to help businesses maintain cash flow and drive growth. Our expertise in factoring ensures quick, reliable financing without the burdens of traditional loans, empowering your business with financial flexibility.

Customized Business Loans
in North Carolina

Our Key Loan Services

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Accounts Receivable Financing

Convert outstanding invoices into immediate cash flow, allowing your business to cover expenses and sustain operations without delays.

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Asset-Based Lending

Leverage your company's assets to access working capital, providing the financial stability needed to seize new growth opportunities.

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Commercial Real Estate Loans

Secure funding for acquiring or refinancing commercial properties, enabling long-term investment in North Carolina’s thriving business landscape.

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Equipment Financing

Invest in new or upgraded equipment with customized financing options that enhance operational efficiency and keep your business competitive.

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Inventory Financing

Maintain a steady inventory supply with funding solutions that help you meet demand and optimize cash flow management.

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Purchase Order Financing

Fulfill large orders confidently with funding that supports supplier payments and ensures seamless business operations.

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Why Choose EPOCH Financial for
North Carolina Business Loans?

When large-scale businesses seek reliable funding, EPOCH Financial stands out as the premier North Carolina factoring company. We specialize in providing tailored financing solutions that support high-volume operations, ensuring seamless cash flow and sustained growth.

With years of experience in factoring and alternative financing, we understand the complex capital requirements of large enterprises. Our deep industry knowledge allows us to offer strategic financial solutions tailored to the unique challenges of high-revenue businesses, ensuring they have access to the working capital needed for continuous expansion and success.

We provide customized financing options that grow alongside your business. Whether you need additional capital to expand operations, invest in infrastructure, or manage high-volume transactions, our flexible factoring services ensure you have the financial resources to meet large-scale demands without the constraints of traditional lending institutions.

Instead of waiting months or years for bank loan approvals, our factoring solutions offer immediate working capital. There’s no lengthy paperwork or complex approval process. With quick funding, large businesses can stay efficient, seize new opportunities fast, and meet market demands without financial delays.

Cash management is critical for large enterprises dealing with significant transactions. Our factoring services transform accounts receivable into immediate capital without adding debt to your balance sheet, helping your business maintain financial stability, meet obligations on time, and focus on long-term growth strategies.

Industries We Support with
Business Loans in NC

How to Get a Business
Loan in North Carolina

  • Submit an online application.

  • Consult with our experts to customize your loan.

  • Receive quick approval and funding.

Frequently Asked Questions

Yes, a factoring company is a valuable financial partner for large businesses requiring immediate cash flow. It provides quick access to working capital by converting unpaid invoices into funds, helping businesses manage operational expenses, meet payroll, and invest in growth without accumulating debt or waiting for long payment cycles.

Factoring companies purchase invoices from businesses at competitive rates, converting them into immediate cash flow. This helps businesses maintain liquidity without relying on traditional loans for growth. Additionally, they manage invoice collection, reducing administrative burdens and improving financial stability. At EPOCH Financial, we provide tailored factoring solutions to support large businesses efficiently.

Large businesses can sell their unpaid invoices to a factoring company in exchange for a cash advance, typically 80 to 90% of the invoice value. Once customers submit payment, the factoring company deducts its fee and disburses the remaining balance. This process ensures steady cash flow, supports expansion, and enhances financial stability without increasing debt.

Industries with long payment cycles and high operational costs benefit significantly from factoring, including manufacturing, transportation, staffing, healthcare, wholesale distribution, commercial construction, and oil & gas. Factoring ensures steady cash flow, allowing these industries to cover expenses, manage payroll, and invest in growth opportunities without financial disruptions.

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