Turn Uncertainty Into Opportunity with Fast, Reliable Capital
At Lily Pad Financial, we specialize in cash flow solutions that help small and mid-sized businesses bridge funding gaps without relying on rigid bank loans or complicated equity deals. Whether you’re dealing with slow-paying customers, large supplier orders, or rapid growth, our three core offerings are designed to meet your needs in real time:
Our Core Offerings
📈 Merchant Cash Advance (MCA)
Need fast capital without the hassle of a loan? Our Merchant Cash Advance program gives you working capital based on your future revenue—not your credit score. Perfect for businesses with strong daily sales but limited access to bank financing.
- Funding up to $1,000,000
- Flexible daily/weekly repayment
- Bad credit okay | Fast approvals
💼 Invoice Factoring (Accounts Receivable Financing)
Tired of waiting 30, 60, or 90 days to get paid? With Invoice Factoring, we convert your unpaid invoices into immediate cash. We purchase your receivables and advance funds within 24–48 hours—so you can stay liquid, make payroll, and keep operations moving.
- Up to 95% of invoice value funded
- Full-service collections & credit checks
- Non-recourse options available
📦 Purchase Order Financing
Have orders you can’t fulfill due to supplier costs? Our Purchase Order Financing program pays your vendors upfront so you can accept larger contracts, fulfill orders, and expand into new markets—without depleting your cash reserves.
- Up to 100% supplier funding
- Supports domestic and international orders
- Ideal for wholesalers, importers, and resellers
One Platform. Three Solutions. Limitless Possibility.
Our unique structure allows us to offer these products independently or in combination—so you can build a customized cash flow strategy that fits your business model. Whether you’re waiting on receivables, struggling with supplier deposits, or just need fast working capital, Lily Pad Financial is your full-spectrum funding partner.
Industries We Serve
Our clients span a wide range of industries, including:
- Retail & Specialty Shops
- Medical & Dental Practices
- Trucking & Logistics
- Construction & Contracting
- Staffing & Temp Agencies
- Wholesale & Manufacturing
- Restaurants, Caterers, and Spas
Explore solutions by industry to see how we tailor funding to your specific business model.
Get Started in Minutes
Our application process is fast, simple, and online. There are no obligations, no hard credit pulls, and no waiting weeks for decisions. Whether you need to cover payroll, secure inventory, or take on a new contract—we’ll help you move with confidence.
Apply Now or call us at (866) 220-1137 to speak with a funding specialist today.