Business Financing & Consulting
When banks look past you, we look closer. MJG goes beyond the credit score — evaluating what your business can truly qualify for and connecting you to capital that actually moves. Serving business owners across the U.S., Canada, and Puerto Rico.
Funding Solutions
We work with a wide network of lenders to find the right product for your business — regardless of where you are in your journey.
Our Simple Process
What We Do
From capital access to brand presence, we handle the business side so you can focus on what you do best.
"We don't just find you money — we help you build the business that keeps it."
About MJG
MJG Business Management was founded on a simple belief: every business owner deserves a knowledgeable partner in their corner — not just a broker who disappears after the deal.
We handle financing, branding, digital presence, and consulting under one roof. Whether you're just starting out or scaling up, we're here to move with you.
Based in New York. Working with clients nationwide.
Work With UsCommon Questions
Everything you need to know about working with MJG.
MJG is a business financing advisory firm that connects small and mid-size business owners with capital solutions — from working capital and lines of credit to equipment financing and SBA loans. We work as your advocate, not just a middleman, evaluating your full business profile to match you with the right lender and product.
We serve small and mid-size business owners across all industries — retail, restaurants, trucking, construction, healthcare, e-commerce, and more. If your business has been operating for at least 6 months and generating revenue, we can likely find a solution. We serve clients throughout all 50 U.S. states, Canada, and Puerto Rico.
Banks rely heavily on credit scores and collateral, and their approval process can take weeks or months. MJG evaluates your full business picture — cash flow, revenue trends, and industry — and connects you to a network of lenders who can move fast. Many of our clients were previously declined by banks and still secured the funding they needed through us.
MJG operates as a financing advisory and brokerage firm. We work with a curated network of direct lenders and funding partners to present you with the best options for your business profile. This means more choices, better rates, and a higher likelihood of approval than going to a single lender alone.
We work with business owners with credit scores as low as 500. Unlike traditional banks, we evaluate the full picture of your business — revenue, time in business, and cash flow — not just your credit score. Many of our clients have been declined by banks and still secured funding through our network.
No — our initial review uses a soft pull only, which does not impact your credit score. A hard inquiry may only be required for specific SBA loan products and will always be disclosed to you before proceeding.
Requirements vary by product, but most cases need: 3–6 months of business bank statements, a government-issued ID, and basic business information. Some products may require tax returns or financial statements. Our advisors walk you through exactly what's needed for your situation.
Most products require at least 6 months in business. Some specialized products are available to businesses as young as 3 months. Startups under 3 months have fewer options but may still qualify for certain products — contact us and we'll let you know what's available.
We respond to all inquiries within one business day. Most approvals happen within 24 hours of submitting a full application. Once you hear from us, we move fast — our goal is to get you a decision and a funded deal as quickly as possible.
Funding amounts range from $5,000 to $2,000,000 depending on your business revenue, time in business, and the product type. During your consultation, we'll assess your financials and present the options you're most likely to qualify for — with no obligation to proceed.
Most approvals happen within 24 hours of submitting your application. Once approved, funds are typically deposited within 24–48 business hours. Some products like Merchant Cash Advances can fund same-day.
Business funding through MJG can be used for virtually any business purpose — payroll, inventory, equipment, marketing, renovations, debt consolidation, expansion, or covering a cash flow gap. There are no restrictions on use for most products outside of SBA loans, which have specific guidelines.
We offer access to: Lines of Credit, Term Loans, Merchant Cash Advances, SBA Financing, Equipment Financing, Invoice Factoring, Revenue-Based Financing, and Business Lines of Credit. During your consultation, we identify which products best fit your business profile and goals.
Yes — many of our clients have existing business debt and still qualify for additional capital. We evaluate your current obligations as part of the process and find products that work alongside what you already have. Stacking positions is common in alternative lending and something our advisors are experienced navigating.
No. Submitting an inquiry and speaking with one of our advisors is completely free. We only earn a fee if and when a deal is funded — so our incentive is always to find the best possible outcome for your business.
MJG earns a broker fee from the lender when a deal is successfully funded. This fee is built into the financing offer and does not come out of your pocket separately. All fees are fully disclosed before you sign anything — there are no hidden charges.
Rates vary by product, credit profile, revenue, and lender. Alternative lending products like MCAs use factor rates (typically 1.15–1.49), while term loans and lines of credit carry APR-based interest rates. We present all options clearly so you can compare total cost — not just rate — and make the best decision for your business.
It depends on the product. Some term loans offer early payoff discounts. MCAs typically do not have traditional prepayment penalties since repayment is tied to daily revenue. We always review the full terms with you before funding so you know exactly what you're agreeing to.
Let's Talk
Fill out the form and we'll be in touch within one business day. No fluff, no runaround — just a real conversation about what's possible for your business.