Our Programs

 The Business Debt Consolidation Program is designed to help businesses manage their financial obligations more effectively. These programs provide a structured approach to combining multiple debts or financial liabilities into a single, manageable repayment plan. By consolidating debts, businesses can increase their working capital by reducing their payments over longer time periods. The Business Debt Consolidation Program aims to provide a prudent solution for achieving greater financial stability and peace of mind. 

These loans serve as a resource for businesses seeking a structured infusion of capital to achieve their goals. With terms tailored to suit your specific needs, Our Business Term Loans provide the flexibility to fund expansion, equipment purchases, or any other strategic initiative your business desires. Whether you’re a small business looking to scale or a business looking for capital, these loans are designed to boost your financial strength to support your aspirations, enabling you to secure the resources necessary for sustainable growth and success.

Working capital is a vital financial resource for businesses seeking to thrive and expand. It serves as the lifeline of your company’s daily operations, enabling you to cover essential expenses like payroll, inventory replenishment, and operational costs. What sets Royal Keys Investment apart is our commitment to simplicity and accessibility. Unlike traditional lenders, we eliminate the burden of application fees and do not solely rely on your credit history to make funding decisions. This approach empowers businesses to secure the working capital they need to seize opportunities, manage cash flow, and achieve sustainable growth. With Royal Keys Investment your business can confidently navigate the ever-changing financial landscape and reach new heights.

 A line of credit offers you the flexibility to access cash when you need it most. This financing solution empowers you to tap into your approved credit limit for various business needs while paying interest solely on the funds you utilize.

With our revolving line of credit, your available funds increase as you repay your balance, allowing you to maintain full ownership, control, and profitability without the need to sell equity. Whether you’re looking to bridge seasonal cash flow gaps or establish a financial safety net, our business line of credit has no usage restrictions, making it a versatile solution for covering a wide range of expenses and opportunities.

Equipment financing is a financial arrangement that enables businesses to acquire the necessary tools, machinery, or technology they need to operate and grow, without having to make a substantial upfront payment. This type of financing is especially valuable for businesses that rely on specialized equipment such as yellow equipment, ovens, bar + restaurant equipment, anything that allows them to maintain a competitive edge by keeping their technology and machinery up to date.

A Merchant Cash Advance is a financial arrangement where a business receives a lump sum of capital upfront in exchange for a percentage of its process sales or future receivables. It’s commonly used by small businesses with limited access to traditional loans. Unlike traditional loans, MCAs use a factor discount rate instead of a fixed interest rate, and repayments are deducted daily, weekly, bi-weekly.

One of the most significant flaws of traditional small business loans is the repayment terms. You must make a fixed monthly payment, even though every company has ups and downs. Many companies cannot qualify for traditional bank loan products for this exact reason. Consistent revenue isn’t possible when your industry comes with busy and slow seasons. If this sounds like your business, Revenue-Based Financing may be the right financing product for your needs.

Revenue-based business loans are easy to qualify for and, depending on your sales volume, even easier to pay back. This unique product is similar to a merchant cash advance, but it’s not just for businesses with high debit and credit card sales volumes. You can also access higher borrowing amounts and longer terms.

 Many businesses do not get paid immediately after providing their goods or services. These businesses include everyone from medical practices to construction contractors to wholesalers. Instead, business owners must wait several weeks to receive payment. If the client takes longer than expected to pay an outstanding invoice, that time frame can go from weeks to months. And even if the customer pays on time, the sale might become less profitable if compensation arrives just before monthly bills are due. Thankfully, you can avoid both dilemmas with Accounts Receivable Factoring.

This type of flexible financing shortens your payment cycle to just a few days, allowing you to alleviate your cash flow challenges, increase profitability, and cover sudden expenses.  

 SBA Loans are easily the most coveted business loans on the market. No other type of business loan can compete with their interest rates, terms, and borrowing limits. However, these advantages make SBA Loans particularly challenging to qualify for. As if the requirements weren’t challenging enough, the application process often catches business owners off guard due to the various misconceptions surrounding SBA Loans. To earn approval, you must first understand why SBA Loans are so different and similar to the traditional Business Term Loan. 

Women-owned businesses have traditionally had a challenging time obtaining business loans. This is mainly because they tend to start their companies with fewer advantages than their male counterparts. These advantages include an excellent credit score, a high net worth, and financial support from other people.

According to the National Association of Women Business Owners, some 11.6 million women-owned businesses in the United States alone generate 1.7 trillion dollars in annual revenues and employ over 9 million people. At this rate, the business financing industry’s bias against women business owners could endanger the economy.

Need funding for you hard to fund industry!  we understand business owner have a challenging time to obtaining businesses funding Royal Keys Investment Group have a loan program for your industry call us today.

The Employee Retention Credit provides qualified employers with up to $26,000 per employee in tax refunds for the tax years 2020 and 2021. This COVID-19 employee retention credit is available for businesses that had to shut down or experience significant decline during the pandemic. However, the IRS currently takes anywhere from 6-12+ months to issue the refund and recently stopped advance payment last year. But you don’t have to wait for the government because you can get an advance payment on ERC tax credits. 

We can help you access your money sooner with an ERC tax credit advance payment on the expected credit! This guide covers everything you need to know about Employee Retention Credit advance payments, including how to file for the credit and apply for an advance to receive your money sooner.