Platinum Payments + BAM Financial




We are super excited to have partnered up with BAM Financial who can provide a full line of financing solutions to help small businesses. As an alternative to traditional bank loans which are often difficult to secure, BAM provides fast access to working capital at competitive rates with easy, convenient repayment programs. They have over 30 years of alternative and small business lending experience!

Business Line of Credit

  • Having access to working capital when you need it is important when running a business. Once you have a pre-approved limit, you can access funds at any time and only pay interest on the line of credit used. Benefit from monthly payments, a quick application process, and building business credit history.

Commercial Real Estate

  • Full range of commercial real estate loan options for investors, the self-employed borrower seeking to purchase a building, refinance an existing commercial mortgage, or obtain working capital using the equity on an existing property. Loans from $50K to $50MM in all 50 states, for all property types: retail, offices, warehouses, hotels and more.

Revenue-Based Business Loan

  • Receive funds within 24 hours with minimal paperwork. As long as your business has a minimum of 4 months of operation & generates a minimum average of $10K in bank deposits, you can be approved for up to 150% of your average monthly revenue. No minimum credit score required. Available in all 50 states, Canada, & Puerto Rico.

Invoice Factoring

  • Use account receivables financing to convert outstanding invoices into immediate cash. If your customers are paying within 30 to 120 days, invoice factoring can advance 70% to 95% of your invoice amount immediately & improve business liquidity. Invoices must be to other businesses, & for services/goods already rendered.

Business Cash Advance

  • If you need quick access working capital & generate at least $5,000 in monthly revenue via credit card processing transactions, a merchant cash advance may be the best option for you. It adjusts itself to the performance of your business (pay a small % of daily card sales) & doesn’t require you to switch your processing company.

Unsecured Term Loan

  • A business term loan is a simple interest loan with monthly payments, low rates, & terms up to 5 years. It is ideal for established businesses that may qualify for a bank loan, but seek a quicker & easier funding process (2 weeks to fund, versus 3 months with a bank!). No collateral is needed, and payments start a month after funding.

Equipment Financing

  • Obtaining the right equipment can increase revenues & contribute to the growth of your business. Platinum Payments is the most excited about this because it will help get everyone upgraded and PCI compliant, whether you purchase, finance or lease, we can help!

SBA Business Loan

  • SBA (Small Business Administration) loans have low rates, long terms, & are secured by the US Government. As a result, the application process can be difficult. It requires significant paperwork, 2-3 months of review, & has strict qualification criteria (700+ credit, high profit, 2+ years operation, etc.).

Hard Money Loans

  • Perfect for real estate investors. Whether you’re looking to fix & flip homes, purchase rental properties, or obtain a cash-out refinance on a non-owner occupied property, we have the solution for you.


BAM Financial Services was created to empower small business owners in addition to being committed to serving their customers and the local community. They align with how Platinum Payments does business and the two of us combined will be able to offer more across the board for all of our customers.


Ready to apply? Just click here.

Need more information on the types of financing, go here.


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