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Bank Funding Obstacles

All lending institutions focus mainly on a business’ quality of earnings. The main reason small businesses are denied funding from traditional avenues, like your bank, are due to insufficient collateral, debt load, and lack of personal credit.

How Does Paramount Compare

Paramount will mainly focus on your company’s ability to pay. Collateral, debt load, and lack of personal credit are not main contributing factors in getting you approved.


  • ● Funds Available in as little as 24 Hrs.
  • ● Personal Credit NOT a Major Factor
  • ● No Fund Usage Restrictions
  • ● Flexible Payment Options
  • ● Funds available in weeks or months
  • ● Personal Credit IS a Major Factor
  • ● Use of Funds can be Limited
  • ● One Payment Option

Top 3 Misconceptions of Working Capital.


“I Don’t Have Collateral” or “I Don’t Want to Put Up Collateral”
Many do not realize that getting a working capital loan through a company like Paramount Payment Systems is simple. Unlike traditional bank loans that require collateral, a Working Capital Loan does not. It is mainly based on a business’ cash flow. Showing that the business is making money is key, and it alleviates a lot of stress of having to tie up property or assets.


“I Will Not be Approved because of My Poor Credit” or “My Credit is Perfect, I Will Be Approved for any Loan”
Although the working capital industry does approve around 65% of applicants compared to traditional banking’s 20-30%, there are still requirements to be met. They are just different. When mainly focusing on the financial merits of a company rather than personal pitfalls of the signer, a whole new world opens up.


“I Could Use Funds but I Can’t Wait Weeks or Months for Approval”
Many apply for traditional bank business loans, only to find out months later if they have been approved and when funds will be available; generally 60-90 days. With a Working Capital Loan through a company like Paramount Payment Systems you can receive funds in a significantly shorter amount of time, even as little as 24 Hours in many instances!

See what we can do for you.