At MJI Capital, we understand that business owners need more than just capital — they need confidence, speed, and a lending partner who sees their vision. As one of the nation’s most trusted alternative lenders, we’ve designed a suite of business funding programs that help entrepreneurs, investors, and companies of every size access the cash they need to grow.

Whether you’re acquiring commercial property, purchasing new equipment, managing cash flow, or fulfilling a large order, MJI Capital has a funding solution that fits. We work nationwide and partner with top-rated financial vendors to deliver flexible, fast, and reliable options tailored to your goals. With over $2.1 billion in loans completed and funding available in as little as 48 hours, we make business growth simple and stress-free.

Many businesses own or invest in real estate — and financing those properties requires specialized programs designed for commercial use. Our business purpose real estate loans provide funding for purchasing, refinancing, or leveraging equity in income-producing or owner-occupied properties.

Unlike traditional bank loans, MJI Capital focuses on the property’s value and income potential rather than rigid credit requirements. This flexibility allows business owners to unlock capital, expand operations, or invest in new properties without unnecessary delays. Whether you’re acquiring a retail space, warehouse, office building, or mixed-use property, our business purpose real estate loans give you the flexibility and speed you need to seize opportunity.

When timing is critical, our commercial hard money loans deliver fast access to capital for a wide variety of business and real estate purposes. These short-term funding solutions are perfect for entrepreneurs and investors who need quick approvals and minimal documentation.

MJI Capital’s commercial hard money programs are ideal for property acquisitions, renovations, or transitions between financing stages. With our asset-based underwriting and streamlined process, you can close quickly, act decisively, and keep your projects moving. Our focus on the property’s value — not just financial statements — gives you the leverage to take advantage of time-sensitive deals and unique opportunities.

For businesses that need immediate working capital, our merchant cash advance programs provide a simple and flexible solution. Instead of a traditional loan with fixed payments, a merchant cash advance gives you upfront funding that’s repaid automatically through a small percentage of your future sales.

This approach helps business owners access cash fast — often within 48 hours — without lengthy approval processes or complex paperwork. Merchant cash advances are particularly useful for retail stores, restaurants, and service-based businesses with consistent daily sales. At MJI Capital, we make it easy to access the cash flow you need to cover expenses, invest in growth, or navigate seasonal fluctuations.

Unpaid invoices can strain even the strongest businesses. MJI Capital’s invoice factoring programs turn your outstanding receivables into immediate cash, helping you maintain healthy cash flow and avoid disruptions.

With invoice factoring, we purchase your unpaid invoices and advance you the majority of their value upfront. You get paid right away, while we handle the collection process directly with your customers. This funding strategy allows you to keep operations running smoothly, pay employees and vendors on time, and invest in new opportunities without waiting for slow-paying clients.

Our invoice factoring programs are ideal for companies in industries like manufacturing, logistics, staffing, and business services — anywhere delayed payments can hold you back.

When your business receives a large purchase order, fulfilling it can be a challenge if you lack the capital to buy inventory or materials. MJI Capital’s purchase order financing programs bridge that gap, providing the funds you need to fulfill big orders, grow revenue, and maintain momentum.

We finance the purchase of goods or materials required to complete your customer’s order, giving you the working capital to deliver without delay. Once the order is fulfilled and paid, you repay the advance. It’s a powerful tool for growing businesses that don’t want to turn away opportunities due to cash flow limitations.

Purchase order financing helps you expand confidently, take on new contracts, and scale your operations without tying up existing resources.

Every business depends on tools, vehicles, or technology to operate effectively. MJI Capital’s equipment funding programs make it easy to purchase or lease the equipment you need without straining your budget or draining your cash reserves.

Whether you’re upgrading machinery, adding company vehicles, or investing in specialized tools, we offer flexible equipment financing tailored to your industry and goals. Our programs are available for both new and used equipment, with terms that align with your operational needs.

From construction and manufacturing to healthcare, transportation, and retail, MJI Capital helps businesses secure essential equipment fast — keeping your business competitive and productive.