Fidelity Funding Group service area
Business funding in Paramus, NJ.
Looking for working capital in Paramus, NJ? Fidelity Funding Group has funded more than 50,000 businesses and deployed over $800M. Start with a free consultation and see what you qualify for with no credit impact.
A nearby team for your next move.
Fidelity Funding Group serves Paramus businesses with merchant cash advances, business loans, and equipment financing. Our nearest office is in Englewood Cliffs, NJ, and its team works with Paramus owners by phone and online. You get one specialist who explains each option in plain language before you decide anything.
Nearest office
Englewood Cliffs, NJ
560 Sylvan Avenue, Suite 3082, Englewood Cliffs, NJ 07632Serving Paramus from our Englewood Cliffs office.
Nearby areas we serve
Business owners in Paramus often work with the same team as owners in Teaneck, Ridgewood, Cliffside Park, Jersey City, and Bayonne. All of them are part of our Northern New Jersey service area in New Jersey.
Teaneck, NJ
Business funding in Teaneck →Ridgewood, NJ
Business funding in Ridgewood →Cliffside Park, NJ
Business funding in Cliffside Park →Jersey City, NJ
Business funding in Jersey City →Bayonne, NJ
Business funding in Bayonne →How it works
Three steps from Paramus to funded.
Send the basics
We ask for two things: a completed application and four recent months of business checking statements. Having them ready is the fastest way to a same-day decision.
Hear back the same day
An initial decision usually arrives within hours. It tells you whether you qualify and roughly what an offer looks like, with no obligation to accept.
Receive your funds
After you accept and documents are complete, money typically lands within 24 hours, so you can cover payroll, stock, or the next job.
Ways to fund a Paramus business
Whether you need cash for this week or equipment for the next five years, one application lets us review every option from $5K to $5MM.
Merchant Cash Advance
A merchant cash advance is not a loan. Owners who need money quickly and want payments that flex with daily or weekly sales often start here. Typical uses are restocking ahead of a busy stretch, meeting payroll, handling an urgent repair, or saying yes to a deal before it disappears.
Learn more →Business Loans
When the plan is longer term, a term loan or working capital line gives your company structured, predictable capital. Owners use it to open a second location, hire, or smooth out a short gap. We look at how your business runs, then explain which loan options fit before anything is signed.
Learn more →Equipment Financing
Buying a truck, a lift, an oven, or diagnostic gear outright can drain the bank account. Financing new or used equipment spreads that cost out so cash stays available for operations, payroll, and marketing, and the machine starts earning for your business right away.
Learn more →Industries we fund in Paramus
We work with revenue generating businesses of many kinds in Paramus, NJ. These are a few we fund often.
Trucking & Transportation
Keep fuel, payroll, repairs, and routes moving with working capital built for trucking.
Learn more →Restaurants
Manage payroll, inventory, renovations, and seasonal swings without slowing service.
Learn more →Construction
Bridge project costs, materials, labor, and equipment while invoices are pending.
Learn more →Medical Practices
Invest in people, technology, and patient care with dependable business capital.
Learn more →Retail
Stock up, refresh your store, and handle busy seasons with flexible funding.
Learn more →Auto Repair
Fund lifts, parts, payroll, and growth while keeping bays open.
Learn more →Questions, answered
What Paramus owners ask us
Straight answers to common questions about qualifying, paperwork, and timing. If your situation is different, our team will walk through it with you on a free consultation call at (212) 634-9121.
What is a merchant cash advance, and is it a loan?
A merchant cash advance is not a loan. It is the purchase of a portion of your future sales at a discount. You receive a lump sum today, and the funder collects an agreed amount back out of your daily or weekly revenue.
That distinction matters practically, not just legally. Because it is a purchase rather than a loan, an advance is priced with a factor rate instead of an interest rate, it typically does not require collateral, and repayment is tied to your sales rather than to a fixed monthly date.
How is a merchant cash advance repaid?
Repayment is taken automatically out of your revenue, usually one of three ways:
- ACH debit. A fixed daily or weekly amount pulled from your business bank account. This is the most common today.
- Split withholding. A set percentage of each card batch is diverted at the processor before it reaches you.
- Lockbox. Your deposits route through a controlled account, which forwards your share to you after the funder's portion is taken.
The practical difference is what happens in a slow week. A percentage based split flexes down with your sales. A fixed daily ACH does not.
Is there a minimum monthly revenue?
Yes. We look for at least $20,000 in monthly revenue.
That figure is based on your total business deposits, not only card sales, so service businesses and contractors who invoice rather than swipe are counted the same way.
Fidelity Funding Group
Your next move starts here.
Funding from $5K to $5MM, with a specialist who will help you understand your options.