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We focus on Small Businesses!

We work in the unique space of small and medium-sized businesses with over 700 different industries served.

We work to get money for you while you remain focused on building your business.

Our goal is to get  you quick approval and fast funding. We make getting Funds for your Business fast and simple. 

Ernest St. Louis



Simple And Fast Business Capital Dallas

Simple And Fast

Receive a decision within 1 day and capital of $10,000 to $1,000,000 as soon as 1-2 business days.

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Specializing in small business, we work to get you money while you remain focused on your business.

Top Rated Providers

We only represent transparent, top rated, quick-turnaround providers with over $10 billion dollars funded so far.

Use As You Choose

Need to expand or take advantage of volume discounts? It’s your business, you decide how its used.

Why Choose US?

DAC identifies and represents only the most reputable capital providers. We provide capital faster than a traditional bank with less intensive qualifications. Your revenue is valued most, rather than your credit score.

Our pricing is simple and transparent. You will be shown total advance plus total cost. The Big Banks rarely share the total cost of the capital. We will show you how much you can receive and what the total payback will be.

We only represent transparent, top rated, quick-turnaround providers with over $10 billion dollars funded so far.

David Rutz Founder of David Allen Capital Inc.

Our Services

Incredibly Fast Business Capital, Equipment Financing And Payment Processing.

Quick Funds For Your Existing Dallas Business

DAC has worked with thousands of small businesses (just like yours) nationwide and in cities near you like: Highland Park, University Park, Cole, Highland, Duncanville, Farmers Branch, Balch Springs, Mesquite, Richardson, Irving including  Dallas.

Unlike traditional banks, DAC judges the health of your business based on your cash flow – not just credit scores


Working Capital Financing Dallas

By Joseph Lizio  |   Submitted On June 28, 2010


All businesses in Dallas have some sort of an operating cycle. This is essentially the time it takes from purchasing needed materials or supplies and converting them into a finished product that can be sold. The operating cycle further consists of selling those products and collecting payment for all that effort. Once products are sold and payments collected, the cycle is completed.

For retail businesses (including online businesses) the cycle starts with purchasing products for resale (inventory) then displaying those products on shelves or on web pages, closing the sale and collecting payment.

Even service businesses, while their operating cycle can be much shorter, still see a time lag between providing the service (to include any purchases of material or labor to complete the job) and collecting payments from customers.

It is because of this time lag that working capital financing comes into play.

All these businesses need some form of assets, be it inventory, materials, supplies, labor, etc. (usually termed: current assets) that can quickly flow through the operating cycle and be converted into cash (revenue). This is essentially what business is. Once payment (revenue) is received, the company can then use any operating cycle profits (gross margin) to cover overhead expenses like salaries, marketing, loan payments and interest, capital purchases, or any fixed general, administration or selling expenses.

The problem that arises for most businesses (especially small and growing businesses) is not having the cash on hand to purchase the needed materials to complete their operating cycle. Not only do some businesses not have the cash or capital to purchase needed materials they may also not be able to cover other variable costs related to the operating cycle like paying labor, landlords, utilities, etc.

In a perfect world, all businesses would have the necessary financial wherewithal to cover all expense while waiting for payment. But, the business world is not perfect. Most businesses have to wait anywhere from one day to years to complete their cycles and get paid by their customers (typical operating cycles usually last from a few weeks to a few months but depend on the industry and business).

But, in the mean time, while these businesses transform goods into finished products or services and wait to be paid by their customers (or wait to see if they can even sell the products or services they offer), their suppliers and vendors, landlords, utility companies, employees, IRS, bankers, etc. all want to be paid now and not wait for the business to receive payments; keep in mind that these businesses are also facing their own time lag in their operating cycles. Thus, for businesses that do not have the cash on hand to meet these expenses, they must turn to working capital financing or face going out of business.

Working capital, by definition, is the difference between current assets and current liabilities where current liabilities are used to finance current assets; and the conversion of those current assets into revenue is what is used to pay off those current liabilities.

There are many methods to working capital financing in Dallas; here are a few of the most common:

Trade Credit: The fastest and most efficient way to finance materials or supply is via trade credit. How it works is simple. You purchase goods from your vendors or suppliers. They tell you that you can delay payment for those goods for 60 days. This 60 day period will give your business time to convert those goods, via your operating cycle, into revenue in which to repay the vendor or supplier. If you are not currently getting trade credit terms from your vendors – you might think about asking for them. If you are, you might look into getting them extended. The longer the payment delay terms, the better for your business as it has more time to convert those goods into revenue.

Business Lines of Credit (BLOC) are short term revolving credit lines (usually with a 12 month or less term) and are specifically designed for working capital needs. These credit lines allow businesses to purchase needed material, supplies, labor etc., convert those into some form of revenue over a very short period and pay back the borrowed funds as soon as possible. BLOCs are usually revolving lines meaning the business can pay them down from one operating cycles and draw on the line again for another operating cycle. Most BLOCs are set for 12 month periods as these lines are meant for short-term financing only and from a banker’s prospective should be paid to zero some time during each of the business’s operating cycles.

Business Cash Advances: These cash advances are not loans but advance against future sales. These advances are great methods of working capital financing as they allow businesses to receive capital up front and pay it back from future sales. Business cash advances are usually based on the total revenue of the business but do require the business to accept credit cards as a form of payment from their customers – as it is these credit cards receipts that are used to pay back the advance. Very good working capital products for retail (online and brink and mortar) as well as service businesses.

Accounts Receivable Factoring: Some businesses may find themselves in (according to baseball terms) as pickle – stuck between waiting for customers to pay on one side and having trade partners (vendors and suppliers) demanding payment on the other side. Let’s say your business purchases materials Net 10 days – meaning that you have 10 days to pay in full for those materials. You convert those goods into finished products in 5 days and ship them to your customer with a NET 30 day invoice – meaning your customer has 30 days to pay you. In these situations, Accounts Receivable Factoring can be used to obtain the working capital needed to pay off the supplier as well as purchase additional materials for another operating cycle. Then, when payment is received by your customer, the business can repay the Accounts Receivable loan or line of credit and use the remaining gross margin profits to cover other costs and overheads. Most factoring company will advance 80% of the invoice amount and base their approval decisions on your customer’s creditworthiness.

Purchase Order Financing: Purchase Order Financing is a great method of securing working capital for a business’s operating cycle. Let’s say that your business has one or more jobs that need to be completed but finds itself without the needed working capital to complete the job(s). A purchase order factor may advance your business the funds (up to 80% of the purchase order amount) – essentially paying your supplier or variable costs on your behalf – so that you can complete the orders, satisfy your customers and earn a profit.

Lastly, and this cannot be emphasized enough, working capital financing is short-term financing and should only be used for short-term needs. Keep in mind that most operating cycles are very short periods – usually less than 90 days. Thus, any financing to be used in the operating cycles should be short-term – matching that 90 day period. Anything else is bad financial management as the business would be paying far more in interest and fees if it uses long-term financing options for short-term, working capital needs.

Joseph Lizio holds a MBA in Finance and Entrepreneurship, is the founder of Business Money Today, has a strong commercial lending background and is regarded as an expert in business and finance.

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640+ Credit Score

Business loan providers generally consider a credit score that falls somewhere between 640 and 700 to be good—but not excellent. Generally speaking, a sub-700 personal credit score will make it more difficult to qualify for bank and SBA funding.

Required down payments vary for business loans depending on the type of loan, purpose, and borrower profile for which they’re paid. Commercial Real Estate Loans issued through the Small Business Administration may require a 10% minimum down payment while a commercial auto loan may not require a down payment.

Proper use of small business loans can consolidate debt, provide capital and allow for expansion. To qualify for a loanbanks look for the “Five Cs” of credit — capacity, collateral, capital, character and conditions.

It is difficult to qualify for a small business loan with a credit score of less than 700. … “Most loans require some form of down payment, and this is typically varied based upon the borrower’s financial history and the collateral put up for the loan,” Weitz added.

Sources Of Working Capital – 7 Types of Working Capital That Could Work For Your Business in Dallas

By Neal Coxworth  |   Submitted On June 13, 2011


Large commercial banks who used to actively court small business lending retreated from the marketplace in recent years, only to sit on the capital that has been given to them by the government until “times get better”. When that fuzzy “time” may be reached is anyone’s guess, but meanwhile, businesses need capital to survive.

Luckily, there are many alternatives that are out there for small and medium businesses. Usually this capital can be obtained fairly quickly, even if business and personal credit is tough. However, no business should be under the illusion that business working capital loans are cheap in the post-economic crash world. With business failures still tracking at an all time high, it is incredibly risky for those lenders who choose to make this their livelihood. Because of this, they must be compensated accordingly, or risk becoming victims of bankruptcy themselves.

SBA Loans

Pros – The best terms available for small business. Loans are made by private banks and are partially (up to 90%) guaranteed by the government against default.

Cons– Reams of paperwork are required from audited financials, P&L statements, etc. Processing times can run up to 4 months, and approval ratios are low. Only the best credit applicants need apply and even then, certain industries, like restaurants, are virtually impossible to approve in this credit environment.

Funding Times- 2-4 months

Commercial Mortgages

Pros– If you have equity in your commercial property and it doesn’t have any major problems or environmental concerns, this is a very good options with rates ranging from 6-14% depending on credit quality and other factors.

Cons-It’s difficult to have equity in your commercial property when values have plummeted to rock bottom in the past 5 years. Additionally, you will have to pay out of pocket up to $3000 for a commercial appraisal and you may still not be approved, depending on what the appraiser comes back with. Look for processing times of 4-8 weeks before you know the outcome of your application.

Funding Times – 4-8 weeks or more

Equipment Secured Loans/Leaseback

Pros– This can be an attractive option for those companies that own, or have significant equity in, capital equipment that they use in the everyday operation of their business. Depending on credit quality, rates can be anywhere from 10-40% depending on the file and equipment being securitized.

Cons– As a hedge against default, all lenders in this arena will only lend on a percentage of the estimated value of the equipment. Keep in mind that in almost all cases, the equipment is used, and the loan will be against the depreciated value of the equipment or it’s anticipated sale price at auction, minus any money owed on the loans used to purchase it. Therefore, a $100,000 dollar piece of equipment bought 8 years ago may be only worth $60,000 dollars today, and the lender is only going to lend against a portion of this anticipated value, usually as low as 50% of the auction price. Expect to take a further hit on the lending percentage if the credit is tough or the cashflow of the company is weak. On the example above, a $30,000 loan would be considered good.

Funding Times –10-14 days

Receivables Factoring

Pros– This is not technically a loan, but purchasing anticipated receivables at a discount. This method is great for a company that primarily operates on a “net 30” model and receives most of it’s income via cash or cash equivalents. Essentially a factoring company will advance you up to 90% of the face amount of your anticipated receivables in a lump sum. Then, the payments due from your client are redirected to the factoring company via a legal agreement. The difference between the amount advanced and the amount paid to the factoring company represents their profit margin on the deal. This method is fairly quick, and no repayment of the advance is required because your clients send their payments previously owes to you to the factoring company.

Cons– Your clients by law must be notified of this change and where to send the payment previously due to your company. Some companies are not comfortable having their clients know this level of detail about their company finances. Additionally, if the credit of the company owing the receivable to your company is bad, or you company’s credit is bad, the deal may be rejected by the factoring company or be purchased at a steep discount that can run as high as 40%. of the original amount owed. In this case, a $100,000 dollar bill owed to your company would only net and advance of $60,000.

Funding Times – 7-10 business days

Merchant Cash Advance

Pros – Think of this as the “little brother” to receivables factoring. Companies that accept credit cards as a primary means of payment are advanced an amount guaranteed against their future credit card receivables. This method works great for businesses with high credit card transaction volumes and low average tickets and is ideal for those companies that may have difficult credit circumstances. Usually, owner credit scores down to 500 are OK as long as the business processes at least $10,000 per month. Usually the paperwork associated with this type of advance is minimal, with no financials required and a short one page application.

Cons – Because these are risky advances, the capital is expensive. The upside is that payments are made daily out of the existing credit card processing stream at least 5 times per week. This means that, while these advances are expensive, they are usually paid off within 6-12 months. Payments typically do not equate to more than 11% of a companies monthly gross income. A company may also be required to switch credit card processors as a requirement of funding the deal. Usually this is a fairly painless process, but some companies can make it difficult or require you to buy new swipe equipment.

Funding Times – 5-7 business days

Bank Only Cash Advance

Pros– Similar to a merchant cash advance but designed for those companies that do not accept credit cards or do not have significant credit card volumes. This type of advance is based solely on the strength of the business bank account and the average balance within it. Funding amounts ranging between 2 and 4 times the average monthly balance are common. This type of advance also doesn’t require a lot of paperwork or audited financials and is usually short term (6-12 months max)

Cons– Your business bank account must be in good shape with a healthy average monthly balance (over $4k) and very few “negative balance” days and few NSF’s in your account. Additionally, owner credit must be in the 600-650 range minimum, depending on the size of the deal. Because the capital is very risky, it is also expensive.

Funding Times – 5-7 Business days.

Credit Card Receivable Loan

Pros – Also similar to a merchant cash advance, but regulated as a true business loan, not a cash advance. This means the on-time payments help your business credit. Typically, rates are 30-50% less than a comparable merchant cash advance, but are still expensive compared to a bank loan. Because payments are ACH’d out of business bank account, not a credit card processing stream, there is no requirement to switch credit card processors. Owner credit down to 550 is acceptable, but anticipate tighter underwriting requirements than a merchant cash advance. Terms are short, between 6-12 months and payments are made daily, 5 times per week in most cases.

Cons– Not quite as flexible as merchant cash advance because the capital is significantly cheaper, undercutting the ability of the lender to accept the same level of default risk as a merchant cash advance.

Funding Times – 5-7 business days

Hopefully you have learned a little bit more about what is possible in the post-credit crunch world when it comes to financing and working capital loans for your business. Understanding the types of working capital, how they are priced and what that means for your business is crucial before making any move. All of the above sources of working capital have there place in today’s economy, especially given the dearth of options at your local bank or credit union, so knowing the differences and how this fits into your range of options will help when attempting to make your next business move.

Neal Coxworth is an entrepreneur and a 17 year veteran of the consumer credit industry with experience in originating, underwriting and processing mortgage, student and consumer credit and working capital loans for business.


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Forget Cutting Back – Use a Working Capital Loan to Grow Your Business Dallas

By Trey Markel  |   Submitted On October 21, 2010


Your struggle over whether or not to take out a working capital loan is one that business owners across the nation are going through every day. Economic uncertainty and long term recession have created an environment of fear in the business world, not just in the United States, but around the globe. The unemployment numbers seem to indicate that there hasn’t been any real improvement in the situation since things started to unravel back in 2008. For this reason, and many others, small business owners have chosen in many cases to trim the fat, cut out excessive waste, and eliminate whatever is classified as a “non-essential” service or position.

These decisions to cut instead of grow could classify as sound business reasoning, if made by an individual or small minority of businesses. As a belief system for the majority, it’s actually compounding the problem. Without growth and financial investment, we’ll continue to stagnate. Forget cutting back. The economy has stabilized, the housing market has readjusted, and many of those out-of-work Americans need to be trained in new fields because the jobs they lost are in industries that may not exist in a few years. Like we did at the end of the industrial revolution and when global trade barriers were lifted by the development of the worldwide web, we have reached a place in human history where things must change.

Why Would You Take Jobs Away When You Can Add Them?

There are different types of working capital loans, but they are all designed to help you achieve one goal – growth. Why would you cut back and eliminate jobs when you can grow your company and add some, contributing to the solution and not the problem? The lending market is tough right now, but there are funds available to you if you can come up with a solid business plan. Obviously, if you don’t know how you’re going to use the money to achieve some level of growth, you won’t want to take out a loan. Sit down with your company officers and ask professional financial advisors for some assistance. There is a way to expand and grow and the timing is right. Many multi-billion dollar corporations have risen from the ashes of situations similar to what we’re going through right now. It just takes some creative thinking, a business owner not afraid to take a chance, and a bank willing to give you the loan.

Approach the SBA First When Searching for a Working Capital Loan

The SBA, or Small Business Administration, is a federal agency that can guarantee a small business working capital loan. They don’t actually lend you the money like they did in years past. Instead, they will point you to a lender in your area that is willing to offer the SBA loan once the SBA has done their due diligence on your business. With their guarantee you’re more likely to get approved for a loan and the interest rates might be a little more reasonable than with a standard loan. The SBA also offers specialty loans for women and minority-owned businesses, along with some free financial assistance for those who need a little help making business financial decisions.

Asset Based Working Capital Loans are Like Asking Yourself for Money

SBA loans are most often given to new businesses. For established businesses that have weathered the recession storm and have assets such as real estate or equipment, you may qualify for an asset based working capital loan. You’ll be putting up your assets as collateral for the loan so you’ll want to be particularly careful when preparing your business plan. Evaluate every possibility and set specific milestones. Above all, make sure that you’re not putting yourself at risk of losing what you’ve already accumulated. The way to do this is not to borrow less and cut corners on spending; it’s to borrow a little more than enough and make sure you’re prepared for unexpected set-backs. Lenders know what it takes to finance an expansion, so don’t be afraid to ask for too much. You’re more likely to get turned down if you ask for too little.

Take Out an Inventory Financing Loan on Unsold Merchandise

One financing option often overlooked by small business owners is the inventory financing working capital loan. It’s basically taking out a loan using unsold merchandise for collateral. From a working capital stand-point it makes the most sense because you want to sell what’s on your retail floor or in the warehouse anyway. The risk for you as a business owner is less because you’re not gambling with accumulated assets; you’re putting up product that has to be moved. The loan can be used to advertise a sale or expand distribution channels, so you’ll be using money borrowed against product to sell that very same product, jump-starting your business and maybe adding a few jobs at the same time. Another suggestion for this type of loan is to open up a new market somewhere you weren’t doing business before, like on the internet.

Factoring Invoice Loans on Outstanding Accounts Receivable

Does everyone owe you money and no one seems to have the money to pay you? You can turn that outstanding debt into a Factoring Invoice working capital loan. That’s right. The bank will take into account what’s owed to you as a determining factor when you apply for a loan. If they deem it to be legitimate and collectable at some point, they’ll give you the money you need to expand your business. Many small business owners just like you, are taking advantage of this type of loan now because we appear to be at the end of what has been a difficult and often painful financial crisis. The damage to some businesses and families is irreparable, but for those who are still standing it’s time to look forward to better times. Forget cutting back. Expand and we can get things back on track, creating a brighter future for everyone and higher profits for you.

Copyright (c) 2010 Trey Markel

There are multiple places a business owner can go to seek out working capital loans. Some places are more strict than others. The SBA offers government guaranteed working capital loans that take between three and six months to be approved for.

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The minimum qualifications of our providers are less intensive than those of banks. We focus on getting you quick approval and fast capital.