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How It Works
STEP 2: Evalutation & Offer
Within 6 hours after application is submitted, a Funding adviser will provide you with a documented and clear set of terms for the amount available, the time frame of the transaction, and any/all costs associated with the advance based on the information you give with the proposal.
WHAT WE OFFER
Revenue Based Finance
Designed for businesses that derive little revenue from credit card sales. Like a business cash advance, this product is not a loan but the purchase of future receivables. In this case, the future deposits of the business. Financing is based on the amount of cash flow through the businesses operating accounts and repayment is made by automated electronic debits (ACH debit).
Merchant Cash Advance
A Business Cash Advance is often referred to as a “Merchant Cash Advance”. A Cash Advance is not a loan. It is a discounted, prepaid purchase of future credit card receipts. Businesses receive cash today for the sales that they will make tomorrow and pay back a small percentage of their daily credit card receipts over 6 to 10 months until it is fully repaid.
Healthcare Lending
ash flow as long as you have a mix of Medicaid, Medicare and private insurance reimbursements. Terms can be custom designed for your practice providing an upfront lump sum cash purchase of your company’s future receivables.
Asset Based Lending
A business loan secured by collateral (assets). The loan, or line of credit, is secured by inventory, accounts receivable and or other balance sheet assets. Also known as “commercial finance” or “asset-based financing”. We will work for you when traditional lenders are not willing to lend. We have a common sense underwriting process focused on the asset and the borrower.
Equipment Leasing
Providing equipment leasing for most industries usually from 6 months to 72 months. We can also provide financing for your existing assets. Equipment leasing is basically a loan in which the lender buys and owns equipment and then “rents” it to a business at a flat monthly rate for a specified number of months.
Receivable Factoring
Financing invoices for services and products that have been completed or delivered. The factor advances money to the business as a form of a loan that is collateralized by a security interest in the company’s accounts receivables. Loan amounts are determined as a percentage of the invoices full amount.The advance rate is usually 70% to 90% of the total face value of the invoices.
Merchant Processing
Our high quality and comprehensive merchant processing services and partner have a customized pricing structure that allows you to accept non-cash payments at affordable rates. In addition to creating your secure merchant account, together with our partners we provide a number of features to help you make the most of your retail processing.
Debt Consolidation
Let us offer your business a plan of combining several unsecured debts into a single new product. The new product may result in a lower rate, lower monthly payment or both. There is no obligation for our team to review your current advances or loans for consolidation.
Who We Are
Core Principles
Our core principles are to support and empower small businesses. Ace Capital Access is committed to serving its customers with the smartest financing solutions and Best in class service. Ace Capital is the secure financing service that business owners everywhere can rely on.
OUTSTANDING CUSTOMER EXPERIENCE
We are committed to ensuring that all aspects of a customer’s Thor Capital experience meet the highest standards of service excellence.
TRANSPARENCY IS PARAMOUNT
We are committed to ensuring that our small business customers are provided truthful, transparent, and complete information about our loans so that they can make prudent and informed decisions.
RESPONSIBLE DECISIONS
We are committed to building a sustainable and scalable model of small business financing that does not require public support or subsidy and that enables small businesses to grow and thrive.
PRIVACY AND DATA SECURITY
We are committed to ensuring the privacy and security of our small business customer’s information, and providing transparent disclosure of how borrower information is used.
RESPECT FOR OUR CUSTOMERS
We are committed to serving as a trusted partner, promptly and fairly responding to inquiries, and treating our small business customers with respect in all matters.
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Our Testimonials
“We have worked with the team at Thor Capital for the past 5 years. As we have grown and evolved, what I have valued most about our relationship is that Thor Capital knows us and our business.”
