Business Funding

FOR START UPS –

Finding it difficult to get funding for
your new business?

We Understand. New venture capital is the hardest type of funding to obtain. The reason new venture capital is so hard to get a hold of is because of this. You have a great idea and it’s the perfect opportunity at the right time. An investor is not investing in your business or your idea, an investor is investing in you.

You have the next great idea or the perfect opportunity. We can provide up to $125,000 in startup capital.

NO HASSLE. FAST FUNDING.

Denied?

FOR ESTABLISHED BUSINESSES

Denied?

Got denied by the bank?

Get up to $5,000,000 for business expansion, working capital, business acquisition, emergency cash or anything your thriving business needs.

We provide both fixed term and payment solutions and open ended options. Fixed term funding limits are up to $575,000. The funding amount you secure is divided over a set period of time ranging from 3 months to 24 months and remains at fixed payment until you reach the end or pay it off. There is no penalty for paying more than the agreed amount of paying off early.

The alternative lending industry was developed to address the challenges business owners were facing through the traditional lending options. Extensive paperwork, minimal approvals, and lengthy time to fund intervals resulted in countless successful businesses having to close their doors due to a lack of financial flexibility.

Very Simple

3 STEP PROCESS

APPLY

Fill Out Our Quick Apply Application

APPLICATION REVIEW

We understand your business, review your goals and present you with programs matching your needs, getting an offer within 24-48 hours

GETTING FUNDED

Choose the program that fits you best and receive funding within 48 hours.

FREE CONSULTATION

Want to know what your options are?

0% Business & Personal Credit Lines/Cards up to $150k

0% business & personal credit lines/cards, 0% for 9, 12, 15 & 18 months.

Will be 4 to 6 accounts that cumulatively can add up to $150K+ on approved credit.

Funding in the name of the business, with cash accessibility Affordable monthly payments, typically 2% of the balance. For example; $10k = $200/mthNeed a 680 fico score & a $5,000 credit card limit to qualify.

This funding type is most commonly referred to as a 0% interest credit card (for 12-18 months) making it perfect to consolidate/transfer high-interest rate debts onto and giving you the opportunity to pay down debts interest-free.

It’s also perfect for paying for marketing, education services, products, equipment, and anything else you can pay for on a credit card.

Educate yourself

Click the tabs below to learn more about Credit Lines, Lending, Financing, and more!

Based on your personal credit history, you can obtain a credit card or revolving line of credit anywhere between $20,000 and $200,000. Approval amounts are typically 5 times the amount of the existing credit card limit, giving you plenty of flexible capital to work with. The application process is simple and requires only a soft credit pull or existing credit monitoring credentials. 

Requirements: 

  • No late payments or derogatory marks in the last 12 months of reporting 
  • No open collections or bankruptcies 
  • Less than 5 inquiries in the last 6 months on the consumer report 
  • Credit card utilization below 40% 

Rate:  

  • 0% introductory rate 
  • 5-19% at maturity.
Owners who have been in business for at least a year can benefit from a revenue loan that allows them to  leverage their ongoing earnings to support operations and growth in the short term, while continuing to build  on their business credit. Loan amounts range from $5,000 to $1,000,000 with a term of 3-18 months. This  option applies to businesses with high risk or challenging credit situations. Financial services excluded. 

Requirements: 

  • 520+ credit score with no bankruptcies 
  • Annual business revenue of $100,000 or more with at least 10 small transactions monthly. 
  • Up to 6 months of bank statements 

Rate: 

  • Anywhere between 10 – 45%
This financing option offers a business funding based on its assets and invoicing from another business or government agency, not an individual. Once approved, the business would have access to up to 80% of its receivables. The remaining 20% minus the lender’s fee is released once the invoice is paid in full. Loan amounts range from $5000 – 20 Million and there is no credit score requirement. 

Requirements: 

  • Medical, construction and conventional receivables are acceptable 
  • Application requires a breakdown of receivables as well as a sample invoice. 

Rate: 

  • Can be discounted at between 1.25 – 3% (4% fees are common)
Businesses can qualify for anywhere from $250,000 – 100 Million to support operation needs, scale the  business or give them an edge in competitive markets. This is offered as either a revolving line of credit or a  loan.  

Requirements: 

  • 20% of loan amount as collateral 
  • 650+ FICO score 
  • Full application with 2 years of Business and Personal tax returns. 

Rate: 

  • 8-18%
This financing option allows companies to borrow against existing owned equipment. A convenient way to get even more value out of an existing asset. Businesses can get anywhere from $10,000 – 2 Million for a  term between 12-48 months. 

Requirements: 

  • Existing equipment or new equipment procurement. 
  • 520+ FICO score 
  • Full application with details on equipment being financed. 

Rate: 

  • 15-40%
Businesses bringing in over $100,000 in credit card sales can receive a loan or revolving line of credit based on their monthly credit card processing volume. Loan amounts range from $1,000 – 1 Million. This could help meet short-term or ongoing obligations giving your business added flexibility. 

Requirements: 

  • 450+ credit score 
  • $100,000+ in credit card sales per year. 
  • Full application includes 3-6 months bank and merchant statements 

Rate:  

  • 10-45%
Businesses in operation for at least 3 years have an alternative to the equipment-sale leaseback option with lower average rates. This financing option also uses existing equipment as collateral with loan amounts ranging from $10,000- 2 Million and a term between 12 – 48 months. 

Requirements: 

  • 620+ FICO score 
  • Existing equipment or new equipment procurement 
  • 3 years in business 
  • Full application includes details on the equipment being financed 

Rate: 

  • 7-28%
Applicants with a previous 401K or IRA (ex. From a former employer) can take capitalize on their retirement savings to invest in their business, keep it afloat, and invest in growth opportunities. Applicants can secure 50% of the current retirement amount with the possibility to access more with no credit requirements and no penalties for account roll over. The term for this type of financing is 5 years.  

Requirement: 

  • Copy of relevant retirement account statement 

Rate: 

  • 5.25% (Prime+2) 
  • $1995 rolled in lender fee
With at least $250,000 in securities, applicants can receive up to 90% of the value of their portfolio as a line of credit. Most stocks and securities are accepted as collateral. 

Requirements: 

  • Stocks or bonds worth at least $250,000  
  • 520 FICO score 
  • Application with relevant securities statements 

Rate: 

  • 2-5%
Businesses with over $300,000 worth of inventory can apply for a line of revolving credit as high as 50% of the value of their inventory. A great way to re-invest in your venture and maximize growth potential. Loan  amounts range from $150,000 – $500,000,  

Requirements: 

  • 520 + credit score 
  • Application and list of inventory 
  • At least $300,000 worth of inventory as collateral 

Rate: 

  • 2-21%
A business can obtain a letter-of-credit for up to 95% of the order on finished goods only. The remaining 5%  fee is released once the invoice is paid. Loan amounts range from $5,000 – $25,000. This can help bridge the gaps and keep up to date on the demands of the business while awaiting payment. There are no credit requirements for this type of financing. 

Requirements: 

  • Application and copy of purchase orders 

Rate: 

  • 1-4%
Applicants with for-profit companies and positive trends in sales growth can gain access to SBA 504 or 7a  programs which they can use for working capital or real estate purchase. Loan amounts range from $200,000  – 12 Million with a term between 10-25 years.  

Requirements: 

  • 620+ FICO score 
  • No bankruptcies in the last 4 years 
  • Application includes 2 years of Business tax returns. 
  • Business plan, revenue, current balance sheet and 4 months of Business bank statements

Rate: 

  • 2-2.75% + prime rate, 3-5 lender points
Business signage can be a significant investment for new and growing businesses and a major draw for new clients. With our financing options, applicants can receive $1,500 – $50,000 in loans to cover those costs in advance with a term of 3-12 months. All types of signs can qualify.  

Requirements: 

  • 620+ FICO score 
  • Commercial signage as collateral 
  • Application and sign invoice 
  • Typically requires a security deposit of 2 months worth of payment 

Rate: 

  • 8-12%
Virtually any business can qualify for loans for automobile wrap advertising. Loan amounts range from  $1,500 – $15,000 with a term of 3-12 months. This is a great option to boost the visibility range of the business. 

Requirements: 

  • 620+ FICO score 
  • Typically requires a security deposit of 2 months worth of payment 
  • Automobile wraps for collateral 
  • Application includes wrap invoice 

Rate: 

  • 8-12%
Insurance agents can gain access to this type of financing based on their existing renewables to help them branch into new ventures or build on their existing enterprises. The loan amounts are 2-3 times the annual renewal commissions with a term of between 3-10 years. 

Requirements: 

  • Book of business for collateral 
  • 620+ FICO score 
  • Application with summary of existing renewables 

Rate: 

  • 4-9% + prime rate
This type of financing applies to businesses with UCC filings on their credit reporting who have an existing lease covering the term of the loan if the building is not owned by the applicant (This option is not available for real estate flippers). Loan amounts range from $50,000 – $150,000 with a term of 10 years. 

Requirements: 

  • Experian credit report (700+) 
  • UCC filed on the business for collateral 
  • 2 years Business and Personal tax returns 
  • YTD balance sheet, business debt schedule 

Rate: 

  • Sub 7%
A line of credit is an excellent way for you to keep your business running smoothly. With no collateral, you  can get access to cash flow that is vital for day to day operations, payroll, equipment or improvements. As the  loan is repaid, available credit is replenished so you can continue to invest in the growth of your business.  Loan amounts range from $50,000 -$150,000 

Requirements: 

  • Experian credit report (700+) 
  • 2 years Business and Personal tax returns 
  • Year to date balance sheet 
  • Business debt schedule 
  • 3% minimum monthly payment 

Rate: 

  • Starting as low as 6% and up to 11%
A line of credit is an excellent way for you to keep your business running smoothly. With no collateral, you can get access to cash flow that is vital for day-to-day operations, payroll, equipment, or improvements. As the loan is repaid, available credit is replenished so you can continue to invest in the growth of your business.  Loan amounts range from $50,000 -$150,000 

Requirements: 

  • Experian credit report (700+) 
  • 2 years Business and Personal tax returns 
  • Year to date balance sheet 
  • Business debt schedule 
  • 3% minimum monthly payment 

Rate: 

  • Starting as low as 6% and up to 11%