Unlock Liquidity, Power Your Growth
Gold Chair Capital provides streamlined, high-speed working capital solutions designed for businesses that need liquidity without the hurdles of traditional bank financing. By focusing on your business’s future revenue rather than just your credit score, Gold Chair Capital offers a flexible way to bridge cash flow gaps, purchase inventory, or fund immediate expansion.
Investment Criteria
Industries
All
6 months in business
$100k in Annual Revenue
3 months of bank statements
Loan Amounts
Loans from $25k to $20MM
No collateral
1st to 5th Position
Credit > 550
Your real estate investment questions answered
An MCA is a commercial transaction where we purchase a portion of your future sales at a discount. Because it is not a loan, it does not have an APR in the traditional sense and isn’t subject to the same state usury laws as a bank loan.
While MCAs are generally unsecured (no physical collateral like your home), most contracts require a “Performance Guarantee.” This ensures you won’t intentionally divert sales away from the agreed-upon bank account.
Most MCA providers do not report on-time payments to credit bureaus, so it won’t necessarily “build” your credit. However, a default or a legal judgment resulting from a breach of contract can impact your score.
“Stacking” is taking a second advance while the first is still active. While possible, we generally recommend Refinancing or Consolidating instead, as stacking can lead to severe cash flow strain.
Since you are paying a fixed “Factor Price” for the capital, paying early doesn’t always save you money like it would with a bank loan. However, some lenders offer “Early Payoff Discounts” if you clear the balance within a certain window.
Most merchants become eligible for a “Renewal” (additional capital) once they have paid back 50% to 60% of their original advance.
Yes. Underwriters look at your industry, monthly revenue, and years in business. High-revenue businesses with 2+ years of history often secure lower factor rates.
Yes. MCAs are flexible and can be used for inventory purchases, payroll, marketing, equipment, or other business needs. The key is that your business generates consistent revenue to support repayment.
– Fast & Frictionless: Our streamlined application takes less than 5 minutes, with approvals typically issued within the same business day.
– Transparent Terms: No hidden fees or “gotcha” clauses. You’ll know your factor rate and total payback amount before you sign a single document.
– Credit-Friendly Funding: We look at your business’s health and daily sales, not just your personal credit score. All industries and credit profiles are welcome.
– Secure & Confidential: We use bank-grade encryption to ensure your business data and financial statements remain 100% private and protected.
Get Funded in as Little as 24 Hours Don’t let a bank’s "maybe" slow down your business. Our 2-minute application gets you a decision today so you can get back to work tomorrow.
Is an MCA a loan?
A: No. An MCA is a commercial transaction where we purchase a portion of your future sales at a discount. Because it is not a loan, it does not have an APR in the traditional sense and isn’t subject to the same state usury laws as a bank loan.
Is there a Personal Guarantee (PG) required?
A: While MCAs are generally unsecured (no physical collateral like your home), most contracts require a “Performance Guarantee.” This ensures you won’t intentionally divert sales away from the agreed-upon bank account.
Will this affect my credit score?
A: Most MCA providers do not report on-time payments to credit bureaus, so it won’t necessarily “build” your credit. However, a default or a legal judgment resulting from a breach of contract can impact your score.
Can I “stack” multiple MCAs?
A: “Stacking” is taking a second advance while the first is still active. While possible, we generally recommend Refinancing or Consolidating instead, as stacking can lead to severe cash flow strain.
Do I get a discount for early repayment?
A: Since you are paying a fixed “Factor Price” for the capital, paying early doesn’t always save you money like it would with a bank loan. However, some lenders offer “Early Payoff Discounts” if you clear the balance within a certain window.
How soon can I “Renew” or get more funding?
A: Most merchants become eligible for a “Renewal” (additional capital) once they have paid back 50% to 60% of their original advance.
Can I negotiate a factor rate?
A: Yes. Underwriters look at your industry, monthly revenue, and years in business. High-revenue businesses with 2+ years of history often secure lower factor rates.
– Fast & Frictionless: Our streamlined application takes less than 5 minutes, with approvals typically issued within the same business day.
– Transparent Terms: No hidden fees or “gotcha” clauses. You’ll know your factor rate and total payback amount before you sign a single document.
– Credit-Friendly Funding: We look at your business’s health and daily sales, not just your personal credit score. All industries and credit profiles are welcome.
– Secure & Confidential: We use bank-grade encryption to ensure your business data and financial statements remain 100% private and protected.