My client is a contractor doing $2+MM and is looking for a term loan or longer term cash advance. Rather with weekly payments and low docs (no financials needed).

We want to close quickly, by Tuesday if possible. Offers I have are 1.4 which is high. 650-700 FICO, super clean banks (2 NSF's last 9 months). No red marks anywhere. Only negative (besides the industry) is he only has 7-10 deposits per month.

No debt on the books. He has never had a cash advance, so I really want to avoid a lender who files UCC's at funding.

Any suggestions are welcome.