0% UNSECURED CREDIT LINE STACKING PROGRAM
(FUNDING AVAILABLE WITHIN 14 DAYS)
Funding Ranges: $10,000 - $250,000+
Unsecured credit lines at 0% APR for up to 18 months.
Funds are 0% for 7-18 Months
Requirements:
1. 680+ FICO
2. No bankrupcies
3. No open collection accounts (paid or closed is a problem though)
4. Minimum recent credit inquiries (could be removed but may extend the time of the
process)
5. Utilization less than 30% on ALL OPEN/ACTIVE Credit Cards (20% and under is best)
BUSINESS REVOLVING LINE OF CREDIT
(CAN FUND IN 2-3 DAYS/ SOMETIMES TAKES UP TO 2-3 WEEKS DEPENDING ON BANK/INSTITUTION)
Our revolving Line of Credit Products, allow you to draw funds whenever you need
them, and pay it back early to receive huge savings on interest. You can borrow up
to a maximum credit limit and only pay interest on the amount of capital that you
borrow from your credit line. Once paid back it's replenished for you to use again.
You can also make multiple draws on the same credit line.
Funding amount ranges: $5,000 - $250,000
Interest rate ranges: 3.5% - 25%
Term time ranges: 6 - 24 Months
Payback structure: weekly, bi-weekly, or monthly
Requirements:
• Minimum 650 FICO Score.
• Minimum Time in Business: 2 Years (Some banks accept 1 yr like Wells Fargo)
• Minimum $35,000 in Gross Revenue Deposits per month (Projected)
Documentation Needed to Apply:
(No Doc rev/income)
• Potentially a Utility Bill for proof of commercial address.
• Drivers License.
• Voided Check.
BUSINESS TERM LOANS
(FUNDING IN AS LITTLE AS 2 DAYS IF UNSECURED, 1 MONTH IF SECURED)
Just like with a traditional bank loan, with a traditional-term business loan, you are
lent a lump sum dollar amount upfront, which you pay back + interest, over a set
period of time depending on what you qualify and score out for.
Funding amount ranges: $25,000 - $25MM
Interest rate ranges: 4.99% - 24.99%
Term time ranges: 1 - 5 Years
Payback structure: Monthly
Requirements:
• 630+ FICO
• 1+ year in business.
• Business should be profitable (after adding back interest, taxes, depreciation,
amortization, non-recurring expenses)
• Borrower must show liquidity and ability to payback the loan
Documentation Needed to Apply:
(Depends on amount asked for)
• Last 2 year end Business and Personal Tax Returns
• Last 2 year end P&L and Balance sheet (sometimes)
• Most recent P&L and Balance sheet (sometimes)
• Business Debt Schedule (sometimes)
• Personal Financial Statement (sometimes)
• Last 6 months of business bank statements
• Drivers License
WORKING CAPITAL FUNDING/MERCHANT CASH ADVANCE/BRIDGE LOANS
(FUNDS IN 1-3 DAYS)
Working Capital Loans, Bridge Loans, or Merchant Cash Advances are quick and
easy funding option for all businesses, no matter your industry or use of funds.
Funding amount ranges: $5,000 - $5,000,000
Interest rate ranges: Factor rates from 1.10 - 1.38
Term time ranges: 3 - 24 months
Payback structure: Daily (M-F no weekends no holidays), weekly, or bi-weekly
Requirements:
• At least 6 months time in business.
• Must average over $10,000/month in revenue deposits.
• At least 3 deposits or more per month, the more deposits the better.
• FICO 475+
• No more than 8 negative days per month (unless they accept credit cards)
Documentation Needed to Apply (minimal documentation):
• Completed and signed one page application for each owner of the business (we
need at least 51% ownership)
• Last 6 months of business bank statements and a month to date download (12
months of bank statements may be needed for deals over $150,000)
• Most recent credit card processing statement (if applicable).
• Most recent business tax return (if applicable).
• Drivers license for owner(s).
• Voided check for business bank account were going to be funding.
SBA LOANS
(2 WEEKS - 2 MONTHS FOR FUNDING)
TRADITIONAL WORKING CAPITAL 7(A), 504 FOR PROJECTS, OR SBA
COMMERCIAL REAL ESTATE LOAN)
Funding amount ranges: $10,000 - $5,000,000
Interest rate ranges: Prime + 2.75% which is 6% right now
Term time ranges: 5 - 30 years
Payback structure: Monthly
Requirements:
• Minimum 680 FICO and Good Business Credit History.
• Minimum 3 years time in business.
• Most Recent Business Tax Return must show net profitability.
• No open tax liens.
• Must be a US citizen or legal permanent resident.
• Must not have defaulted on a government-backed loan ever (including FHA & any
Student Loans)
Documentation Needed to Apply:
• Last 6 months of business bank statements.
• Most recent 3 years of personal and business tax returns.
• Last 2 years and Interim YTD Financials (Profit and Loss and Balance Sheet).
• Personal Financial Statement.
• Business Debt Schedule.
• Real Estate Schedule (if you own property)
• Drivers License.
SBA BUSINESS ACQUISITION PROGRAM
(SAME TERMS AS OTHER SBA LOANS)
Documentation Needed to Apply:
• Last 3 Business Tax Returns from seller.
• Year to date and most recent year end P&L and Balance sheet from seller.
• 2020 and 2019 Most recent P&L and Balance sheet from seller.
• Last 6 Months Business Bank Statements from seller.
• Letter of Intent or LOI to purchase the business from buyer.
• Last 3 personal tax returns from buyer.
• SBA 1919 from buyer.
• SBA 413 PFS from buyer.
• 24 Month P&L Projections with some written assumptions from buyer.
• Resume showing experience in the industry from buyer.
Requirements:
• Have a business that wants to or is accepting credit cards either online or in
person.
• Best for clients doing $10,000+ a month in credit card sales.
Documentation Needed to Apply:
• Completed and signed Priority Processing application.
• Last 3 months of business bank statements (if applicable).
• Last 3 months of credit card processing statements (if applicable).
• 3 Historical Invoices (If applicable).
• Articles of Incorporation or EIN Letter.
• Drivers License.
• Voided Check.
COMMERCIAL REAL ESTATE
(2 WEEKS - 3 MONTHS)
Real Estate Loans leverage your assets, whether it is residential or commercial
property, the asset is used as collateral and is generally required that the company
is both stable and has real estate that is able to be financed.
Funding amount ranges: $100,000 - $100,000,000
Interest rate ranges: 4.5% - 12.99%
Term time ranges: 12 Months - 30 Years
Payback structure: Monthly
Requirements:
• 650 FICO
• Experience helps (needed for construction loans)
Documentation Needed to Apply:
• Personal financial statement (PFS).
• Most recent personal and business tax return (if applicable).
Our Commercial Real Estate Programs:
-Fix and flips
-Buy to hold
-Bridge loans
-Portfolio loans
-Ground up construction
-Large development loans
UNSECURED TERM LOANS / PERSONAL LOAN STACKING
Funding Ranges: $5k - $500k
Interest Rate Ranges: 4.99% - 24.99%
Terms Ranges: 24-72 months
Payment Structure: Monthly
No upfront fees
Requirements:
• 650+ FICO
• Provable Income of $50k+ annually w2 or 1099 (pay stubs can be requested or
tax return once an offer is accepted)
• 21 Years old +
• Taxes must be filed.
• No late payments in last 10 months.
• No charge offs or collections (medical bills ok)
• Bankruptcy charge off must be 3+ years out to get approved (if applicable).
Documentation Needed to Apply:
• Signed Personal Loan Application.
• Signed Contingency Fee Agreement.
