FUNDING up to $300k for NEW BUSINESSES (Using Personal Credit Only) UNSECURED PERSONAL FUNDING CAN CONSIST OF UNSECURED CASH, PERSONAL CASH LINES OF CREDIT AND CREDIT CARDS THAT CAN BE USED FOR ANY PURPOSE WITH NO RESTRICTIONS ON USE OF FUNDS.

710 minimum Credit Score

NO LATE PAYMENTS (If there are late payments, we will accept 24-36 months or older) No Collections

No Judgements, Evictions, Foreclosures, Repossessions or BK’s (Bankruptcy)

5-6 Primary Tradelines (Accounts that are in the client’s name)

W2 Income can be as low as $40,000 (Proof of Income will be required, i.e.; paystubs, bank statements showing deposits from your employer, etc.)

Self-Employment income should be able to be verified via 1099 or tax returns (99% of the time they ask for tax returns

Utilization under 30% (Under 20% Preferred)

Funding up to $300k depending on your personal credit profile (Results will vary)

BUSINESS FUNDING 4 Types (Business Term Loans, Business Lines of Credit, Credit Cards & Invoice Factoring)

TERM LOANS

*A lump sum loan with a fixed interest rate that is given from a lender with a repayment schedule based on the entire amount that was received*

• 680+ Credit Score
• Prior Year Tax Return
• $20,000 Monthly Revenue (Minimum)
• 2 Years + Time in Business
• Last 3 Months Bank Statements
• Term Loans up to $10M

LINES OF CREDIT

*Upon Approval, you will be able to draw money from your Business Line of Credit, pay on what you have borrowed and still have funds left* (Ex: You are Approved for $125,000 and you draw $100,000 to your business bank account and you will pay on the $100,000 drawn and still have $25,000 left to use at your request) *

• 680+ Credit Score
• $20,000 Monthly Revenue (Minimum)
• 2 Years + Time in Business
• Last 3 Months Bank Statements
• Business Lines of Credit Up to $250,000

• BUSINESS CREDIT CARDS (A New Business Can Apply)
• 710+ Credit Score
• NO DOCs required (Case by Case)
• 0% Interest Credit Cards
• Credit Cards Up to $250,000

INVOICE FACTORING

*Sell your unpaid invoices to a factoring company, in return the lender will deposit a lump sum directly to your business bank account and they will collect on the unpaid invoices*

• 550+ Credit Score
• $40,000 Monthly Revenue (Minimum)
• 6 months + Time in Business
• Up to $5M in lending