WFC Lending
FlexCap Business Bridge
Loans
Refinance high-interest MCA debt into one asset-backed loan.
A business bridge product targeting operators carrying expensive merchant-cash-advance (MCA) debt, consolidating into a single asset-backed loan.
How FlexCap business bridge financing works
Apply
Share your existing merchant-cash-advance debt and the real estate asset that will back the loan. We underwrite on the asset, not a personal financial deep-dive.
Consolidate & Close
Once underwriting clears, we refinance your MCA debt into one asset-backed loan — typically closing in ~14 days.
One Simple Payment
Trade multiple daily or weekly MCA debits for a single interest-only payment, so your business's cash flow stays predictable.
Program highlights
- 1st lien position only
- Interest-only payments
- Asset-based "common-sense" underwriting
- Targets refinancing high-interest MCA debt
- Borrower must be an LLC or corporation, 51%+ ownership guaranty, full recourse
- Combined broker + lender points capped at 6.00%
- Not available in AL, AK, AZ, CA, HI, ID, KS, ME, MN, MT, NE, NV, NM, ND, SD, OR, VT, WV, or WY
- $100K – $3M loan size
- 12–36 months terms
- Closings in ~14 days
Eligible property types
Owner-occupied primary residences are generally not eligible, though case-by-case exceptions may apply. Requires a lender-certified appraisal less than 6 months old. Condominium collateral carries a 10% LTV reduction.
FlexCap Business Bridge loan FAQs
How fast can you close?
FlexCap closes in as few as ~14 days once underwriting clears.
What loan amounts do you offer?
FlexCap loans range from $100K – $3M, with loans above $500,000 considered case-by-case.
Do you have a minimum credit score?
Yes — FlexCap requires a minimum 600 FICO · 24 months in business, plus a tri-merge credit report no older than 60 days.
What fees should I expect?
Origination runs 1.00%–3.00% of the loan amount, plus a flat $2,500 processing fee, a $400–$1,200 appraisal fee, and $1,500–$5,000 for legal/title. Combined broker and lender points are capped at 6.00%.
What states do you lend in?
Nationwide, except AL, AK, AZ, CA, HI, ID, KS, ME, MN, MT, NE, NV, NM, ND, SD, OR, VT, WV, and WY.
What are the borrower/entity requirements?
Borrowers must be an LLC or corporation, with 51%+ ownership guaranty and full recourse.
Typical fees
Combined broker + lender points capped at 6.00%. Fees shown where stated. Rates, fees, terms, and timelines are subject to change without notice.
Ready to consolidate your flexcap business bridge debt?
Generally, we respond in 1–3 hours.