Haim BH Deals LLC writes merchant cash advances and revenue-based financing from its own book. The firm that reads your statements is the firm that prices the deal, signs the agreement, and originates the wire. Nothing is passed along, marked up, or shopped out.
Before a typical advance reaches a business, the file has been quoted by a shop that doesn't fund, packaged by a shop that doesn't underwrite, and funded by a party the merchant never meets. Each hand takes a margin. We took the hands out.
Every intermediary is priced into your rateThe broker's commission and the syndicator's spread don't appear as line items — they appear inside the factor rate you're asked to sign.
The quote and the contract are written by different partiesWhen the party who quoted you isn't the party funding you, the terms are free to drift between the phone call and the closing document.
Approval waits on people you can't reachSyndicated deals need multiple parties to commit before money moves. Your timeline becomes their scheduling problem.
Servicing outlives the salesmanAfter funding, the shop that sold the deal has been paid and has moved on. Questions about the balance land with strangers.
Haim BH Deals LLC is the underwriter, the counterparty, and the source of funds on every agreement it signs. The factor rate on the term sheet is the factor rate in the contract, because both were written at the same desk on the same afternoon.
When you call about your balance in month four, the call is answered by the firm that holds the receivable — because no one else ever will.
Executed as principal · Brooklyn, NYA complete file — short application plus three months of business bank statements — moves through this sequence, usually inside one business day.
You send the application and your last three months of business bank statements. No application fee, no hard credit pull, no obligation attaches to the submission itself.
Our underwriting reads the statements the day they arrive and issues a written determination: factor rate, total remittance, schedule, and term — or a plain decline with the reason stated.
Upon countersignature, funds move from our account to yours — typically within twenty-four hours. There is no waiting on outside participants, because there are none.
The written offer is the binding shape of the deal. We do not restate pricing at closing, and we do not deduct unannounced fees from the wire.
Factor rate, total remittance, debit amount, debit frequency, and term appear on the term sheet before any signature is requested from you.
A complete file receives a determination the same business day in most cases. Silence is not an answer we give.
Daily, weekly, bi-weekly, or monthly remittance — set to the rhythm your bank statements actually show, not to a template.
If the file doesn't support an offer, we say so promptly and tell you what would have to change. No padded quotes designed to be refused.
Balance questions, payoff letters, renewals, hardship conversations — handled by the firm that owns the receivable, for the life of the deal.
Because we fund from our own balance sheet, every habit described below exists for one reason: we live with every deal we write. Here is the method, clause by clause.
We begin with what the bank statements actually show: average monthly deposits, how often money lands, how many days close negative, and what other obligations are already drawing on the account. The offer that comes back is the largest structure those facts responsibly support — and not a dollar past it. An over-levered merchant is a loss we would carry ourselves, so we have no incentive to write one.
Sized to deposits on the page — never to commission.There is no intake queue, no committee calendar, and no outside participant whose approval we wait on. The person who opens your statements has the authority to price them. That is why a complete submission usually receives a written determination the same business day, and why a countersigned agreement usually funds within twenty-four hours.
Same-day determinations on most complete files.Every term sheet we issue states the factor rate, the total remittance obligation, the debit amount, the debit frequency, and the expected term — in dollars, before signature. There are no application fees, and nothing is netted out of the wire that wasn't printed on the page. If a number would surprise you at closing, it was never our number.
Full dollar cost in writing, before any signature.Because the receivable stays on our book, so does the relationship. Renewals, payoff figures, schedule adjustments after a slow month, and hardship conversations are all handled by the same firm that funded you — with the file already open. Merchants who perform well earn better pricing on the next round, and we tell them exactly what "performing well" means in advance.
One counterparty, first read to final debit.Every program below is written and funded by Haim BH Deals LLC as principal. Underwriting matches the file to the instrument — and says plainly when none of them fit.
You don't need to pick an exhibit before applying. Send the statements; our underwriting will identify which structure the deposits support and put written options in front of you. If the honest answer is "none of them, yet," you will hear that too — with what would need to change.
A credit score is one line in a file that runs many pages. Deposit volume, deposit rhythm, negative days, and existing obligations decide far more of the outcome. Here is where files actually land.
Class boundaries are guides, not gates. Final determinations weigh average monthly deposits, deposit frequency, negative-balance days, and open positions alongside credit. A 665 score with erratic deposits can qualify for less than a 605 with strong, steady flow. The whole file is read before any number is issued.
No single figure approves or declines a file. These are the inputs, weighed together, on every submission.
The anchor of the file. Depending on class and instrument, structures generally run between 75% and 150% of average monthly deposits.
Frequency matters as much as volume. Steady daily receipts read far stronger than the same total arriving in two lumps.
Days closing below zero are the sharpest warning in a statement. More than a handful per month narrows both instrument and ceiling.
Existing advances cap what can responsibly sit on top. Heavily stacked files route toward consolidation before new capital.
FICO shapes which instruments open and at what price — but strong, consistent deposits absorb a great deal of credit weakness.
The maximum the file supports with everything weighed. It is computed before structuring so no deal is born over-levered.
Straight answers to the questions merchants actually raise. Anything not covered goes to the same desk that underwrites the files.
It means the money in your account after funding is Haim BH Deals LLC's money — not a broker's placement, not a syndicate's pooled commitment, not a third party's check with our name on the cover letter. We underwrite the file, we sign the agreement as counterparty, and we originate the wire. One firm, on both ends of every promise made to you.
A complete submission — application plus three months of business bank statements — usually receives a written determination the same business day. Once you countersign, funds typically land within twenty-four hours. The pace holds because no step waits on anyone outside this firm.
They aren't. Our factor rates run from 1.17 to 1.49 depending on file strength, instrument, and term. The term sheet states the factor rate, the total dollar remittance, the debit amount, and the frequency before you sign anything. No application fee, no origination fee netted from the wire, no charges introduced after signature. The full breakdown lives on our Rates & Disclosures page.
The short application on the contact page and your last three months of business bank statements. That is a complete file for a first read, and there is no hard credit pull at this stage. If a particular instrument or amount needs anything further — a voided check, a license copy, a brief call — we name it specifically before asking.
No — stacked files cross this desk every week. Depending on deposits and total exposure, the answer may be new capital alongside what exists, a consolidation that retires several schedules into one, or a candid "not yet" with a date to revisit. What you will not get is an offer that buries you deeper just because it could be written.
Yes, and it is deliberate. Merchants commonly start in the working-capital advance, graduate to monthly remittance as history builds, and — with collateral and clean performance — reach the revolving facility. We map that path at the first funding and tell you precisely what the file must show to take each step.
As a rule: six months operating, roughly $15,000 in monthly business revenue, and an active business bank account. Credit matters less than most applicants fear — deposit strength carries the file. Send the statements and you will get a written answer on exactly where you stand.
We do — necessarily, since the receivable never leaves our book. Payoff letters, balance questions, schedule adjustments after a rough stretch, renewals: all of it is handled by Haim BH Deals LLC directly, for the life of the agreement. There is no servicer, no call center, and no ticket number.
No. Haim BH Deals LLC writes commercial merchant cash advances and revenue-based financing, as principal, and nothing else. We do not broker bank products, and we do not fund consumers. If your situation calls for a long-amortizing bank loan, we will say exactly that rather than force the wrong instrument onto your file.
A question of your own? It reaches the underwriting desk directly.
Contact The FirmThe application below plus three months of business bank statements makes a complete file. Submissions received before noon Eastern usually carry written terms back the same business day.
Thank you. Underwriting will review your file and respond within one business day.
How Haim BH Deals LLC collects, uses, and protects the information you entrust to it.
Your privacy is important to us. This Privacy Policy explains how Haim BH Deals LLC ("we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit our website ("Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.
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Haim BH Deals LLC
Brooklyn, NY
Email: info@haimbhdealsllc.com
Please read these terms carefully before using our Site or submitting an application.
Welcome to Haim BH Deals LLC. These Terms and Conditions govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.
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(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.
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The cost of the capital, stated plainly and in advance — together with the regulatory frame our products sit inside.
Haim BH Deals LLC funds commercial merchant cash advances and revenue-based financing from its own balance sheet, and nothing else. We do not broker SBA or bank loans, we do not refer applications to outside lenders, we do not shop files to syndicators, and we do not collect referral fees from anyone.
If your business is bankable and needs a long-amortizing loan, your bank is the right counterparty — and we will say so plainly when a file points that way.
All transactions are subject to in-house underwriting review and approval. Not all applicants will qualify. Final pricing and term length are determined by file-level underwriting and depend on factors including but not limited to monthly revenue, deposit frequency, negative-balance days, time in business, existing exposure, and credit profile.
Haim BH Deals LLC does not guarantee approval, pricing, or term length to any applicant prior to underwriting review. Issued offers are valid for the period stated on the term sheet and are subject to standard documentary verification before funding.
For questions about any rate, fee, or disclosure on this page, please contact us at info@haimbhdealsllc.com.