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Loan Tier 1: $10,000 – $25,000
- Term: 6 months
- Flat Interest: 8%
- Upfront Interest Due: $800 – $2,000
- Fees: None
- Repayment: One balloon payment at term end
No Banks. No Monthly Payments. Just Capital.
Business Funding When You Need It Most – Without the Red Tape.
Tariffs. Inflation. Supply chain delays. Rising costs. Small and mid-sized businesses are being squeezed from every angle. At EFLOW Capital, we understand that you don’t have time to wait, and you certainly don’t have time for months of underwriting or rejections from traditional banks.
Lock In the Best Rate We’ll Ever Offer
For a limited time, EFLOW Capital is offering 8% flat prepaid interest on all qualified loans up to $500,000.
This is not just a great rate — it's a strategic advantage.
- No monthly payments.
- No compounding interest.
- No fees.
- Just one repayment — and full access to your capital on day one.
- But this rate won’t last.
⚠️ After January 2, 2026
- Our standard interest rate will increase to 10–12%
- This introductory pricing will end permanently
- Borrowers who apply now will keep the 8% for the full term
📅 Apply now. Get approved. Lock in your rate before it’s gone.
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Funding Available Worldwide
EFLOW Capital’s Prepaid Interest Loan isn’t just for U.S. businesses.
We fund qualified companies across the globe — from fast-moving importers and e-commerce startups to established manufacturers and local service providers.
If you operate a legitimate business and can pay the upfront interest, you may qualify — regardless of where you're located.
- International bank verification supported
- Access worldwide
- Fast capital, no matter the country
- Full disbursement in USD, EUR, GBP, or USDT
No borders. No bias. Just business.
What Makes This Loan Different?
Unlike traditional loans, this product is built for businesses in urgent need of working capital, inventory financing, or cash flow support—with light documentation, fast approval, and a simple structure.
Prepaid Interest Model
You pay the interest upfront before the loan is disbursed—no monthly payments required.
You Keep Your Full Loan Amount
Interest is not deducted from the funds you receive.
Simple, Fast Approval
Light underwriting. No bank-style bureaucracy. No delays.
Flexible Use
Use the funds for inventory, payroll, shipping, expansion—or to survive another disrupted quarter.
Fast Disbursement
Capital can be in your account in as little as 48 hours.
Smart Tax Strategy
Prepaid interest may be fully tax-deductible as a business expense, creating a potential tax shield.*
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Why This Structure Works
In times of economic stress, traditional funding dries up. Banks tighten credit. Investors pull back. But your business can’t stop.
Our Prepaid Interest Loan gives you:
- Certainty – know exactly what your cost is upfront.
- Speed – get approved and funded fast without waiting months.
- Protection – no ongoing interest burden; safeguard your cash flow.
And for us? Your upfront interest helps us protect our investors, which is why we can approve deals faster and more efficiently than legacy lenders.
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Who Is This For
- Importers & wholesalers impacted by tariffs and shipping costs
- E-commerce stores facing delayed inventory restocking
- Construction or trades businesses with front-loaded expenses
- Retailers needing cash to survive a disrupted quarter
- Manufacturers dealing with rising input costs
If your business needs capital—and banks won’t budge—we’re here.
Why One Flat Rate Works for Everyone
Simple = Scalable
Flat pricing—like our standard 12% across all loan tiers—removes confusion. Borrowers instantly understand what they’re paying. There’s no need for complex underwriting formulas, no tiers to evaluate, and no room for hesitation
Your Risk Is Already Managed
With prepaid interest collected before any funds are disbursed:
-
There are no monthly payments
-
Your capital is secured in advance
-
Borrowers commit upfront, and investors are protected from the start
So whether a borrower has perfect credit or just stable revenue, your return is already built into the structure.
Fairness & Transparency Win Trust
Most small and medium-sized businesses are burned out on unclear pricing and credit-based discrimination. With one flat rate:
"We don’t judge your credit score. Everyone gets the same deal—fast, fair, and up front."
.
We’re Not a Bank—That’s the Point
EFLOW Capital is built for speed, flexibility, and clarity—not red tape. Offering flat-rate loans shows we do things differently—faster and smarter..
- We don’t do weeks of waiting, endless paperwork, or confusing terms.
- We don’t penalize you for early repayment.
- We don’t hide fees in the fine print.
What we do is simple: clear terms, fast decisions, and capital you can count on—delivered in days, not weeks.
Because in today’s economy, the last thing your business needs is a bank.
.
A Familiar Concept, But With a Powerful Twist
Here’s Why This Works for Real Businesses
Something Powerful
You walk into a car dealership or a real estate office, ready to make a big move. Instead of leaving with a car or property, you make a one-time payment — say, $4,000 — and walk out with $50,000 in unrestricted business capital.
That upfront amount? It’s not a fee. It’s not an installment. It’s your flat 8% interest, paid once, with no strings attached.
You keep 100% of the loan amount. There are no monthly payments. No compound interest. No hidden costs.
You use the full capital to grow — not to service debt. Inventory. Payroll. Expansion. A new contract. Whatever moves your business forward.
Then, 6 to 12 months later — when the timing is right — you repay exactly what you borrowed: $50,000.
No tricks. No snowballing balance. Just one clear path from capital to growth to repayment.
This is not a bank loan. This is smart, flexible capital designed for real operators — with real plans — who deserve clarity, not complexity.
- No monthly payments = no cash flow pressure
- You get all your funding upfront
- You know the total cost from day one
- The money is yours to use—not locked up in an asset
Prepaid Interest Loan Terms
Loan Tier: $25,001 – $50,000
- Term: 6 months
- Flat Interest: 8%
- Upfront Interest Due: $2,001 – $4,000
- Fees: None
- Repayment: One balloon payment at term end
Loan Tier: $50,001 – $100,000
- Term: 6–9 months
- Flat Interest: 8%
- Upfront Interest Due: $4,001 – $8,000
- Fees: None
- Repayment: One balloon payment at term end
Loan Tier 1: $100,001 – $200,000
- Term: 9 months
- Flat Interest: 8%
- Upfront Interest Due: $8,001 – $16,000
- Fees: None
- Repayment: One balloon payment at term end
Loan Tier: $200,001 – $350,000
- Term: 9–12 months
- Flat Interest: 8%
- Upfront Interest Due: $16,001 – $28,000
- Fees: None
- Repayment: One balloon payment at term end
Loan Tier: $350,001 – $500,000
- Term: 12 months
- Flat Interest: 8%
- Upfront Interest Due: $28,001 – $40,000
- Fees: None
- Repayment: One balloon payment at term end
What You’ll Need to Apply
Valid business license or registration
You must have a registered business—LLC, Corp, or sole prop—so we know you’re operating legitimately and can move fast on funding.
Basic financials or bank statements
(we’ll guide you)
We only ask for what’s essential—recent bank activity or simple P&L reports—and we’ll walk you through every step.
We only ask for what’s essential—recent bank activity or simple P&L reports—and we’ll walk you through every step.
Ability to pay interest upfront
(can come from reserves, receivables, or an investor) This shows you're serious, ready, and resourceful—and we don’t care where it comes from, as long as it’s there.
A real need—and a real plan
Whether it’s restocking inventory or staying ahead of rising costs, if you can show a clear purpose, we can fund the solution.
You Get Capital. We Get Confidence.
You move forward with the funds you need—while we protect our investors with smart, secure structuring.
This isn’t hard money.
No sky-high rates, no crushing terms—just clear, fast, flexible funding.
This isn’t some predatory product.
We’re here to support growth, not take advantage of struggle
This is Next-Gen private credit
Built for today’s market—fast, transparent, and designed for real businesses.
And because our capital comes from real investors—not banks—we make decisions fast, and we structure deals that work for you.
Apply Now – Funding in as Little as 48 Hours.
Don’t wait for the economy to “settle down.” Your business needs capital today.
We’ve helped businesses across industries bridge cash flow gaps, seize opportunities, and keep moving—even in the toughest markets.
Start your application.
No commitment. No delays. Just clarity and speed.
Get Started: Download Your Loan Agreement.
Ready to Move Forward? Start Your Loan Process Here.
Choose your funding amount, review the terms, and submit your agreement in minutes. No lengthy applications. No delays. Just fast, straightforward access to capital.
- 1. Choose Your Loan Tier. Download the agreement and select your preferred loan amount.
- 2. Review & Sign AgreementOur Prepaid Interest Loan Agreement explains the terms clearly — no surprises.
- 3. Submit Documents & Prepaid InterestEmail the signed agreement with the required documents. Instructions and payment details are included.
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By applying for a loan through EFLOW Capital’s Prepaid Interest Program, you acknowledge and agree that funding is subject to final underwriting, verification, and approval. Prepaid interest must be submitted before disbursement and is refundable only in limited circumstances outlined in the full agreement. Rates, terms, and conditions are subject to change without notice. Submitting an application does not guarantee loan approval. EFLOW Capital reserves the right to decline, modify, or cancel any offer at its sole discretion. All loan agreements must be executed by both parties before funding occurs.
Borrower agrees to submit all requested financial documentation to EFLOW Capital via email at funding@eflowcapital.com, including but not limited to the last three months of business bank statements, a recent cash flow summary or profit and loss statement, and the most recent business tax return if available. All documents must be submitted promptly after application to avoid delays in processing and verification.
Next: Secure Your Approval with Prepaid Interest
After we receive and review your app and financial documents, we’ll request your one-time prepaid interest to move forward with funding.
If you’re ready to take the next step now, click below to access secure payment instructions and submit your confirmation.
📄 Loan Disclosure
EFLOW Capital’s Prepaid Interest Loan is a short-term business funding product designed for speed, transparency, and simplicity. Please review the following key terms before proceeding:
- Interest: A one-time flat interest rate of 8% is paid upfront at loan initiation.
- Loan Amounts: $10,000 to $500,000
- Terms: Fixed durations of 6, 9, or 12 months depending on the approved loan amount
- Repayment: One balloon payment of the full principal at the end of the term
- Fees: No hidden fees, origination fees, or ongoing charges
- Prepayment: You may repay your loan early without penalties or interest adjustments
- Disbursement Timeline: Funds are disbursed within 48–72 hours after your prepaid interest is received and confirmed, pending successful verification and underwriting.
- No Monthly Payments: There are no recurring payments during the loan term
This product is not a traditional bank loan, and it does not involve compound interest, revolving balances, or amortization schedules. All borrowers are required to agree to the full loan terms via our Super Agreement prior to disbursement.
⚠️ Disclosure
All loans are subject to approval, verification, and compliance with EFLOW Capital LP's underwriting guidelines. Terms, rates, and conditions may vary based on business profile, documentation, and funding eligibility. The promotional 8% prepaid interest rate is valid only for qualified applications funded on or before January 2, 2026. Standard interest rates of 10–12% may apply thereafter. Prepaid interest is non-refundable unless explicitly stated in the loan agreement. EFLOW Capital LP is not a bank or depository institution.
⚠️ Default & Recovery Policy
EFLOW Capital is committed to responsible lending and fair recovery practices. If a borrower fails to repay their principal loan balance at the end of the agreed term, the following steps will be taken:
1. Initial Grace Period (5 Business Days)
Borrowers will be notified of non-payment and granted a short grace period to resolve the balance voluntarily.
2. Engagement & Resolution Support
Our internal recovery team will attempt to establish contact and offer structured repayment options, if available.
3. Third-Party Collection Escalation
If no resolution is reached, the account may be transferred to a professional recovery agency. Recovery actions may include:
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Legal demand letters
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Court filing for judgment
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Lien or UCC filing where applicable
4. Credit Reporting & Legal Compliance
Although EFLOW Capital does not rely on personal credit for approval, unresolved defaults may be reported to relevant commercial credit bureaus. All recovery actions are compliant with federal and state business lending regulations.
5. Investor Assurance
Because prepaid interest is collected before loan disbursement, investors' returns are not impacted by borrower defaults. However, recovery efforts continue until the full principal is returned.
This product is not a traditional bank loan, and it does not involve compound interest, revolving balances, or amortization schedules. All borrowers are required to agree to the full loan terms via our Super Agreement prior to disbursement.
Faster Experience - Coming soon.
Apply through our secure WebApp to see your offer instantly and complete everything online—no downloads, no delays. Just link your business bank account, pay your prepaid interest, and get funded in 48–72 hours.
✅ You're One Step Away
If you're tired of red tape, long waits, and unclear terms, you're in the right place.
At EFLOW Capital, we believe real businesses deserve real capital—fast, simple, and without the usual barriers. Whether you're managing cash flow, stocking inventory, or covering payroll, our Prepaid Interest Loan gives you the speed and flexibility to focus on what matters most: running your business.
Here’s What Happens Next:
- Apply Online — Takes less than 5 minutes
- See Your Loan Offer Instantly — No credit score required
- Pay Interest Upfront — One-time, flat rate
- Get Funded in 48–72 Hours — Full loan amount, no monthly payments
- Repay in One Shot — At the end of your term (6, 9, or 12 months)
No Surprises. No Delays. No Monthly Payments.
Just fast, honest capital — backed by a structure that works for you.
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A Smarter Take on an Old-School Idea
Prepaid interest loans aren’t new. But how we do them? That’s different.
At EFLOW Capital, we took a structure that’s been around for decades and stripped it down to what actually works:
- No compounding interest
- No daily or weekly payments
- No confusing terms or gimmicks
Just one flat interest payment upfront, the capital you need—fast—and a single repayment at the end of the term. All managed online, in days, not weeks.
It’s business funding without the baggage.
Built for now. Built for you.
“The bank said it would take 3–5 weeks. EFLOW had money in my account in 48 hours. I paid my vendors, restocked, and we made 3x ROI in a month.”
— Tamara J., wholesale supply owner, Atlanta
“I’ve dealt with cash advances before. This isn’t that. No ACH debits draining me every day. I got to focus on flipping the inventory and paying back on my terms.”
— Luis G., ecommerce seller, Chicago
“Honestly, I was skeptical. But paying the interest upfront actually gave me peace of mind—I knew exactly what it would cost, and there were no games. I’d do it again tomorrow.”
— Carla B., salon owner, Miami
“I didn’t have weeks to wait or time to explain my entire life story to a loan officer. I needed to make payroll and move on. EFLOW made that happen in days — not months.”
— Angela R., staffing agency owner, Philadelphia
“We missed a shipment deadline because of delays overseas. This gave us the breathing room to reorder, rehire, and not lose the contract. I didn’t care about the structure — I cared that it worked. And it did.”
— Marcus D., import/export business, Houston
“I’ve worked with banks. I’ve worked with hard money. This is neither. It’s the only funding I’ve used where I wasn’t stressed every day after taking it.”
— Natasha F., independent contractor, Los Angeles
“We’re a small team and when our supplier raised prices out of nowhere, we were stuck. This loan gave us just enough space to stay open and regroup. No games, just what we needed.”
— Devon C., co-owner of a local print shop, Cleveland
“Most places made me feel like I was begging. This felt like a partnership. They didn’t ask for a thousand documents, and I knew the cost before signing anything.”
— Janelle M., boutique owner, Brooklyn
“We had a job lined up but no capital to start it. I paid the interest, got the full funding within two days, and the job paid out five times that. I’m coming back next quarter.”
— Tariq W., general contractor, Tampa
FAQs About Our Prepaid Interest Loan
What is a Prepaid Interest Loan?
A Prepaid Interest Loan is a short-term business loan where the interest is paid upfront at the time of approval. This means you make no monthly payments during the term—just a single principal repayment at the end.
Why do I pay the interest upfront?
Paying interest upfront gives you the full benefit of fast capital while helping us eliminate delays, reduce risk, and approve more businesses—especially those who don’t qualify for traditional loans.
How fast can I get my loan?
Once your prepaid interest is paid and clears, we fund your approved loan amount within 48–72 business hours—often sooner.
What can I use the funds for?
You can use your Prepaid Interest Loan for inventory, payroll, working capital, marketing, supply chain needs, equipment, or emergency expenses. The choice is yours.
Will I need to make monthly payments?
No. There are no monthly payments. You simply repay the principal amount at the end of the term—typically 3 to 12 months depending on your approval.
What if I don’t qualify for bank financing?
That’s exactly who this product is built for. Many of our borrowers don’t qualify for traditional loans due to time in business, low FICO scores, or a lack of collateral—but we look at the bigger picture.
Is the prepaid interest refundable if I don’t take the loan?
No. Once you accept the offer and pay the interest, those funds are non-refundable and act as a commitment to funding. Please only proceed when you're ready to move forward.
Do I need perfect credit to qualify?
Not at all. We consider your overall business health, recent revenue, and use of funds—not just your credit score. This makes our structure accessible to more entrepreneurs.
Can I repay the loan early?
Yes. You can repay your principal early with no prepayment penalties. However, prepaid interest is fixed and not prorated or refunded for early payoff.
Is my business information secure?
Absolutely. We use bank-level encryption and never share your information without your consent. Your data is protected at every step of the application process.
About EFC
EFLOW Capital LP (EFC) is a leading private credit provider, offering tailored financing solutions for businesses. From direct lending to asset-backed loans, we deliver flexible capital to fuel growth, innovation, and long-term success.
With a deep understanding of alternative investments and structured financing, EFC also provides investors with high-yield, secured opportunities designed for stability and after-tax cash flow (ATCF) optimization. Our commitment to transparency, risk management, and strategic lending ensures both businesses and investors benefit from sustainable, long-term financial success. For full details, please visit - eflowcapital.com
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EFLOW Capital podcast show
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