Fast Capital for St. Cloud Businesses
St. Cloud serves as the commercial hub for central Minnesota, anchored by St. Cloud State University and a manufacturing base that includes food processing and metal fabrication. The Crossroads Center and downtown district support retail and restaurant businesses that draw from a wide rural trade area beyond the city itself.
Manufacturing anchors much of St. Cloud's economy. Operators here use working capital to carry payroll and supplier bills through the weeks when receivables lag behind the work.
St. Cloud's retail businesses run on equipment and people. Funding most often goes to replacing or adding equipment on the business's timeline, not a bank's.
Agriculture & Food Processing operators in St. Cloud use short-term capital to take on bigger jobs, larger orders, and new hires before the opportunity passes.
St. Cloud manufacturing operators replace aging equipment without waiting on a bank, keeping revenue flowing while the new equipment earns.
St. Cloud retail operators stock up before their busiest weeks with a working-capital draw repaid from daily sales.
An established St. Cloud agriculture & food processing business funds the build-out and first months of a second location, drawing more later through AccessLine™ as the new site performs.
Most St. Cloud businesses that have operated for at least six months with $10,000 or more in monthly revenue qualify, including manufacturing, retail, agriculture & food processing and service businesses. We look at overall business health, not just credit.
Applications take about five minutes, approvals come in as little as 24 hours, and funds are sent to your business bank account as soon as the next business day.
No. Paz purchases a portion of your future receivables at a fixed price, repaid through fixed daily or weekly payments sized to your sales. There is no interest rate and no collateral.
Funding runs from $2,500 to $5,000,000. Most St. Cloud businesses qualify for $25,000 to $250,000 on a first draw, with more available through AccessLine™ as the business performs.
Get approved in as little as 24 hours