Jack BH Deals

Direct capital, filed in Brooklyn — underwritten at the desk.

Vol. I · No. 1 Brooklyn, New York · MMXXVI Direct Funder · Operating Businesses
Working Capital · OPEN Restructure · ACTIVE Approval · SAME DAY Wire · ≤ 24 HRS Counterparty · JACK BH DEALS CORP
Above the Fold · § I

Direct capital,
read at the desk.No brokers. No layers. No relay.

Jack BH Deals commits its own capital to operating businesses across the United States — underwritten in-house, signed from principal, answered on the file.

From the Desk Filed in Brooklyn Pricing on the Page

The merchant funding market runs on layers — brokers passing the file along, intermediaries collecting on the spread, marketplaces routing applications to whichever shop bids fastest. Owners often discover, well after signing, that the people they spoke to were not the ones writing the check.

Jack BH Deals removed the layers. The firm reads the file, writes the offer, and wires from its own balance sheet. The terms quoted at intake are the terms signed and the terms honored — no revision, no reissue, no surprise.

Files clear the desk in a single day. Most receive a decision the morning they arrive, with the wire moving inside twenty-four hours of countersignature.

Submit to Desk Read the Method
The Register · § I.b
DirectFunder Status
In-HouseUnderwriting
≤ 24 hrsApproval to Wire
Same DayFile Decisions
II
Jack BH Deals The Layered-Capital Problem § II
II
The Layered-Capital Problem

Most "lenders" are introducers.

The merchant funding market runs on layers — brokers passing the file along, ISOs collecting on the spread, marketplaces routing applications to whichever shop bids fastest. Owners often discover, well after signing, that the people they spoke to were not the ones writing the check.

  • II.aPricing assembled from factor rates and side fees that surface at signature, not at intake.
  • II.bBoilerplate programs that read past your industry, your seasonality, and your runway.
  • II.cA relay race of intermediaries — none of whom can speak for the funder behind them.
  • II.dSilence after the wire — no analyst on the file, no team that knows the account.

We removed
the layers.

Jack BH Deals underwrites and funds from its own balance sheet. Each file moves through one underwriter, one decision, one wire. The terms read at intake are the terms signed and the terms honored — without revision, without reissue, without surprise.

Direct · In-House · End to End
III
Jack BH Deals From Application to Wire § III
III
From Application to Wire

Three steps.
One desk.

III.a · Submit

Open the file.

Send a brief application and your most recent business bank statements. Five minutes of your time. No hard credit pull at intake. No obligation, no chase.

III.b · Review

Read at the desk.

Our underwriters read the file in-house and respond with a clear offer — typically the same day. Cost, schedule, and structure are on the page before any signature.

III.c · Close

On the wire.

Countersign the agreement and the wire moves from our balance sheet to yours. Most files clear inside twenty-four hours of approval.

Submit to Desk · § I.c

Speak with the funder.
Not the chain.

Five-minute application. Same-day decision. Wires posting in twenty-four.

Submit to Desk
The Method

Capital that is read,
not assembled.

From application to wire — what working with a direct fund actually looks like, and the four working principles the desk holds itself to on every file.

IV
Jack BH Deals The Method · Four Principles § IV
IV.a
Structure

Built around
the file.

No two operations breathe at the same rhythm. The desk reads your deposit cadence, your seasonality, and your runway before drafting a structure — then drafts the structure to fit. The template never decides the file.

Each file written for the operation, not against a script.

IV.b
Pace

Decisions at
desk speed.

Files arrive on the underwriters' desks the day they come in. Most receive a response within hours — not after a syndication meeting, not after the file is shopped, not next week.

Most files clear from approval to wire inside twenty-four hours.

IV.c
Pricing

Quoted is
wired.

The factor rate, the total payback, and the schedule sit on the page before any signature. No back-end deductions at funding. No surprise debits later. The number you read at intake is the number we honor.

Pricing is written once, signed once, held once.

IV.d
Continuity

One desk,
end to end.

From the first call through the last debit, the file stays with the people who wrote it. No call-center handoff, no rotating reps, no introduction to a stranger after the wire clears.

A direct line — to the people who know the file.

V
Jack BH Deals A Note on Capital § V
V
A Note on Capital

The working standard.

The strongest capital relationships are written so both sides win — because we are only repaid when the operation succeeds.

Jack BH Deals was formed on a plain conviction: business owners deserve a funder with skin in the deal — not a forwarder collecting a margin between two strangers.

Working Principles

What sets the desk apart.

  • Pricing on the page — no back-end fees, no surprise debits.
  • Same-day decisions written by in-house underwriters.
  • One account team from approval through final payment.
  • Structures shaped to actual cash flow, not to a template.
  • A direct line to the desk that wrote the file.
Submit to Desk · § V.a

Read the file.
Then talk.

Five-minute application. Same-day decision. Pricing on the page from day one.

Submit to Desk
Schedule of Programs

Five structures.
Each with a fit and a misfit.

Each of the structures below answers a different operating reality. The desk names the fit and the misfit on every one — because the wrong structure costs more than no capital at all.

VI
Jack BH Deals Schedule of Programs § VI
Standard. The desk points you to the structure that fits your file — and says what it costs and how it works on day one.
VI.a
Long-Term · Revolving
In-House Direct Product

Asset-Backed
Revolving Credit

Draw against pledged collateral, repay, draw again. The lowest-cost direct structure the desk underwrites — written for operations with assets to pledge and clean credit history behind them.

Best For
  • 680+ FICO operating businesses
  • Real estate or equipment to pledge
  • Owners ready to graduate from short-term capital
Consider Carefully If
  • Collateral is limited or fully encumbered
VI.b
Stability · 12–36 mo
In-House Direct Product

Monthly
Payment Programs

Lower-frequency debits paired with reduced factor rates. Built for operations with predictable monthly revenue and credit profiles strong enough to step out of a daily-debit cycle.

Best For
  • Established operations with 650+ FICO
  • Businesses on monthly billing cycles
  • Companies graduating from daily-debit programs
Consider Carefully If
  • Frequent negative balance days
  • Stacked daily-payment positions
VI.c
Flexibility · Ongoing
In-House Direct Product

Revenue-Based
Financing

Payments scale with the top line — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of cyclical and seasonal operations.

Best For
  • Seasonal or cyclical revenue
  • Service-based operations
  • Operations with uneven monthly deposits
Consider Carefully If
  • Top line is trending downward
VI.d
Relief · Strategic
In-House Direct Product

Consolidation
& Restructure

Roll multiple active positions into a single manageable schedule. Cut the daily drain, raise the approval ceiling, and create the runway to grow into longer-term capital.

Best For
  • Operations with two or more active positions
  • Owners overwhelmed by daily debits
  • Operators building toward stable, long-term capital
Not Always Available If
  • Top line has declined steeply
  • Open defaults or UCC liens
VI.e
Speed · 3–12 mo
In-House Direct Product

Short-Term
Working Capital

Direct revenue-based advance keyed to daily or weekly deposits. The fastest line the desk writes — typically twenty-four hours from approval to wire.

Best For
  • Immediate operating needs
  • Inventory or seasonal stocking
  • Time-sensitive opportunities
  • Operations with strong daily deposit patterns
Consider Carefully If
  • Cash flow is already constrained
  • Already 50%+ over-leveraged

The desk will tell you which structure fits — directly.

Our underwriters read the file, identify the structure that fits, and lay real options on the page. If the right answer is no answer from us, you'll hear that from us straight — no runaround, no pressure.

Submit to Desk · § VI.f

Show the file
to the desk.

Submit to Desk
Eligibility Profiles

Direct funding
at every credit profile.

FICO is one signal in the file. Revenue, deposit pattern, and existing exposure each carry weight of their own. Below: an honest map of how the desk reads each profile.

VII
Jack BH Deals Editorial Board · A / B / C § VII
A
Tier A · Prime

680–800 FICO · Strong Revenue · Clean History

  • Monthly payment programs at the desk's best in-house factor rates
  • Asset-backed revolving credit eligibility
  • Lowest direct-funder pricing the desk writes
  • Highest approval ceilings available

The strongest position. Consistent deposit history unlocks the lowest pricing the desk offers.

B
Tier B · Near-Prime

600–679 FICO · Moderate Revenue

  • Monthly payment structures available with strong revenue
  • Factor rates beginning at 1.17
  • Hybrid bi-weekly payment schedules
  • Consolidation structures may apply

Strong deposit patterns offset credit gaps. Underwriting weights cash flow heavily here.

C
Tier C · Cash-Flow Driven

Below 600 FICO · Deposit-Driven Approval

  • Weekly payment structures
  • Daily payment structures
  • Approval keyed to deposit volume and frequency
  • Monthly programs are not written at this profile

The desk structures conservatively here — only what your deposits can carry. We pass on files that don't make sense.

Note. FICO is one signal — not the file. Tier A begins at 680, Tier B covers 600–679, Tier C runs below 600. Final approval reads against average monthly deposits, deposit frequency, count of negative days, and existing exposure. A 670 file with weak deposits often qualifies for less than a 610 file with strong, consistent flow. The desk reads all of it before pricing the file.
VIII
Jack BH Deals The Full Read · Six Factors § VIII
VIII
The Full Read

What the desk
evaluates.

VIII.a

Average Monthly Deposits

The starting line for every file. The desk typically structures between 75% and 150% of monthly deposits, depending on tier and program.

VIII.b

Deposit Frequency

How often the money lands counts as much as how much. Steady daily deposits read healthier than sporadic large ones.

VIII.c

Negative Days

Days closing in the red are a real flag. More than five to seven a month sharply reduces both options and approval ceiling.

VIII.d

Existing Positions

Active advances cap what the desk will write. Heavy stacking is the quickest way to limit options and raise risk.

VIII.e

FICO & Credit Profile

Personal credit shapes program access and pricing — though strong revenue and deposit patterns can offset lower scores.

VIII.f

Approval Ceiling

The maximum the desk will write given everything combined. Calculated before structuring, so the file is never over-leveraged on day one.

Submit to Desk · § VIII.g

Read the desk's response
to your file.

Submit to Desk
Reader Questions

Plain answers,
no fine print.

No sales script, no sleight of hand. Below: what working with a direct fund actually looks like, in the words the desk would use across a file.

IX
Jack BH Deals Reader Questions § IX
IX.aWhat makes Jack BH Deals different?+
The desk underwrites and funds from its own balance sheet. You see the full cost before any signature, you speak with the same team from intake to final payment, and the answer to every funding question comes from the desk — not from a partner the file was forwarded to.
IX.bHow quickly can the file fund?+
Most files receive a same-day decision. Once countersigned, the wire typically lands within twenty-four hours. The process is engineered for the speed an operating business actually needs.
IX.cWhat does it cost? Are there hidden fees?+
No hidden fees. The factor rate, total payback, and full schedule sit on the page before signature. The price quoted is the price wired against. Transparency on day one is how the desk builds files that pay back.
IX.dWhat is required to apply?+
A short application and your most recent three months of business bank statements. That's the start. No hard credit pull at intake. The desk may request additional documentation depending on program and amount, and will always say exactly what's needed.
IX.eWhat if the operation already carries positions?+
The desk works with stacked files regularly. Depending on revenue, deposits, and current exposure, positions can sometimes be consolidated into a single schedule — or new capital written alongside what's there. The desk reads the full picture and offers honest options.
IX.fCan the desk help us move toward longer-term financing?+
Yes. Many files begin in short-term capital and graduate to monthly programs or asset-backed revolving credit. The desk maps a path from where the operation sits to where it's headed — and says clearly what it takes to get there.
IX.gWhat are the minimum qualifications?+
Generally six months in operation, $15,000+ in monthly revenue, and an active business bank account. FICO matters but isn't everything — strong deposits and consistent revenue absorb a great deal. Apply and the desk will say exactly where the file stands.
IX.hWho is on the file after funding?+
The same team that wrote the file. The desk does not vanish after the wire clears. There's a direct line to the people managing the account for renewals, questions, or anything else that arises. One number, one team.

A question we didn't cover? Ask, and you'll hear it straight.

Submit to Desk
Submit to Desk

Place the file
before the desk.

A short application opens the file. The underwriters read it in-house and most operations receive a same-day response.

X
Jack BH Deals Submit to Desk · Classified Form § X
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Bank Statements
PDF · JPG · PNG — 25 MB max
— Information held in confidence · Not shared —
Legal · § XI

Privacy Policy

How we collect, use, and protect your information.

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard 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.

Information We Collect

"SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared."

We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.

PII may include but is not limited to your name, email address, postal address, phone number, and any other information you voluntarily provide to us.

Non-PII may include technical information such as your IP address, browser type, device information, and website usage data.

How We Use Your Information

We use the information we collect for various purposes, including:

  • Providing and improving our services
  • Communicating with you
  • Responding to your inquiries
  • Sending customer care text messages such as follow-ups, reminders, and application status updates (only if you opt in to SMS)
  • Understanding how users interact with our Site
  • Complying with legal obligations

Sale of Data

We do not sell your information you provide to us under any circumstance.

Data Security

We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

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Changes to This Privacy Policy

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Contact Us

JACK BH DEALS CORP
458 Avenue U, Brooklyn, NY 11223
Email: info@jackbhdeals.com

Legal · § XII

Terms & Conditions

Please read these terms carefully before using our services.

1. Introduction

Welcome to JACK BH DEALS CORP. 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.

2. Use of Our Website

(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.

(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.

(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.

(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

3. Intellectual Property Rights

(a) All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of JACK BH DEALS CORP and is protected by copyright and other intellectual property laws.

(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.

4. Privacy Policy

(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.

(b) We do not share or sell your personal information to third parties.

5. Disclaimer

(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.

(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.

6. Links to Third-Party Websites

Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.

7. Limitation of Liability

To the extent permitted by law, JACK BH DEALS CORP shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.

8. Indemnification

You agree to indemnify and hold harmless JACK BH DEALS CORP, its officers, directors, employees, and affiliates, from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.

9. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in that State.

10. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.

11. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at info@jackbhdeals.com.

SMS Terms and Conditions

1. Introduction

Welcome to JACK BH DEALS CORP. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.

2. Consent for SMS Communication

We collect a single consent for SMS communications, through one dedicated checkbox on our website form:

  • Customer care consent — consent to receive informational and account-related text messages (follow-ups, reminders, and status updates).

This consent applies only to Jack BH Deals and only to customer care and account-related messages. We do not send marketing or promotional text messages, and we do not collect consent for them. Consent is entirely optional and is not a condition of any purchase. Information obtained as part of the SMS consent process will not be shared with third parties.

3. Types of SMS Communications

Customer care (informational) messages — sent only if you checked the customer care consent box:

  • Follow-ups, reminders, and application status updates

Example message: “Jack BH Deals: We received your request. Our team is reviewing it and will follow up within one business day. Reply STOP to opt out, HELP for help.”

We send no marketing, promotional, or solicitation messages of any kind, and we never message anyone who has not applied through our own form and opted in.

4. Opt-In Method

You may opt in to customer care SMS messages by checking the SMS consent checkbox on our website form. The checkbox is unchecked by default and is not required in order to submit the form.

5. Standard Messaging Disclosures

  • Message and data rates may apply.
  • Message frequency may vary.
  • You can opt out at any time by replying “STOP.” You will receive a confirmation and no further messages.
  • To resume messages after opting out, reply “START.”
  • For assistance, reply “HELP” or contact us directly at info@jackbhdeals.com.
  • Carriers are not liable for delayed or undelivered messages.

Last Updated: 08 / 05 / 2026

Transparency · § XIII

Rates & Disclosures

You should know exactly what you're paying before any signature. Below: a clean breakdown of the products the desk underwrites, and what we don't do.

XIII
Jack BH Deals Rates & Disclosures § XIII

Commercial MCA / Revenue-Based Financing

Direct Product · Jack BH Deals Corp Is the Funder
  • Factor rate range: 1.17 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program
  • No application fees, no hidden charges
  • Full cost breakdown delivered before signing
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply. These products are not subject to state lending license requirements.

What We Don't Do

Direct Funder · Not a Referral Source

Jack BH Deals deploys revenue-based and merchant cash advance products from its own balance sheet. The desk does not broker SBA loans, does not refer files to bank lenders, and does not shop applications to third parties. If your operation needs a bank product, your bank is the right call — not the desk.

Our products are commercial financing transactions, not consumer loans. The desk does not hold a lending license and does not need one for these products.