Our Merchant Financing program is perfect for business owners who accept credit cards and are looking for fast and easy business financing! You can be approved for as much as $500,000 in financing with no collateral requirements and bad credit.

This program is designed to help you get funding based strictly on your cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

You can be approved regardless of personal credit quality.

Easy Qualification Process

Our Merchant Financing program is one of the easiest, hassle free ways you can obtain business financing.

To determine approval the lender will review 4-6 months of your bank and merchant account statements. All the lenders are looking for is consistent deposits showing your revenue is $50,000 or higher annually. They will also verify that you have been in business 6 months or more.

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements, low chargebacks on your merchant statements, and that you have more than 10 deposits in a month going into your bank account.

Basically, all they are looking for is that you manage your bank and merchant accounts responsibly and have a decent number of consistent credit card transaction deposits each month.

Do You Have Credit Issues Now?

Our Merchant Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.

You can be approved regardless of personal credit quality, even if you have recent derogatory items and collections on your credit report. This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.

FAST Funding!

You can be pre-approved for our Merchant Financing program within 24 hours. You can receive your formal approval and funds within 72 hours from submitting your application.

Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!

Get Money Consistently!

Over 80% of our clients come back for even more financing after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.

And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 24 hours or less! And we also provide you access to merchant credit lines where you can have consistent access to cash.

Our Merchant Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!

As you start to obtain new credit, you’ll want to see these new accounts reporting on your business credit profiles. You’ll also want to see your business credit scores as they are established and change based on your newly established payment history.

As you build your business credit your ability to get certain accounts is based on how many accounts you have reported to the business credit reporting agencies. So knowing when your new accounts report is essential to your business credit building success.

In this step we help you get business credit monitoring setup with Dun & Bradstreet, Experian, and Equifax. This way you can monitor your reports in real time and quickly move through the business credit building process. And, you can also see what lenders and others see on your reports as well.

You’ll also have access to training on how to read and navigate your business credit reports and scores. Business reports have as many as 5 scores on each report, and many other types of accounts that don’t report on consumer reports. So this training is important to know how to properly navigate your reports, review your trade lines, and to help you maintain and sustain excellent business credit reports and scores.

After your initial credit, you obtained in step 3, reports to the business credit reporting agencies, you’ll then be able to start obtaining credit at major retailers. These are the same stores you probably do business with now. But with your newly established business credit profile and score the credit you’ll get in this step reports only to the business reporting agencies linked to your EIN, not your SSN.In this step, you’ll be able to obtain Net 30 and even revolving store credit with retailers such as Tiger Direct, Amazon, Staples, Lowes, AutoZone, Macys, Conoco, Exxon, and many more. Your approvals will be based on your EIN business credit, so you can get approved without even supplying your social security number on the credit application.

Limits on these types of business accounts are typically 10-100 times higher than you’ll find with consumer credit per SBA. You’ll commonly see approval limits of $3,000 and higher. From starting your business credit building process to get to this stage where you can obtain high-limit store accounts usually takes only 60 days or less.

And this credit is not based on your personal credit nor will it report to the consumer reporting agencies.  So you can use this credit to build your business with absolutely no adverse effect to your personal credit reports and scores.

You can get approved immediately upon applying. And your new credit will report to the business reporting agencies within 60 days on average. Once reported you’ll then have even more payment experiences reported paving the way for you to start getting even higher limit revolving store accounts in step 6.

With our Inventory Financing program, you can obtain a low-rate credit line using your current inventory as collateral.Secure a credit line for 50% of your current inventory value if your inventory is worth $500,000 or higher. You can be approved for a line with low rates, regardless of your personal credit quality.

Easy Qualification Process

Inventory financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for Inventory Financing your business must have an existing inventory now that is valued over $500,000. The inventory might be of supplies, retail merchandise, materials used to produce your product, or other non-obsolescence inventory.

The lender will review your existing inventory and is also interested in the quality of your inventory management system. If you have inventory that qualifies you can be approved quickly with just a review of your inventory records.

Do You Have Credit Issues Now?

Our Inventory Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a credit line with low rates, even with severely challenged personal credit and low credit scores.

You can be approved regardless of personal credit quality, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your inventory summaries you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.

Our 401k Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401 K plan or IRA. In as little as 2 weeks you can invest a portion of your retirement funds into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.Easy Qualification Process

401k Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for 401k Financing all the lender will require is a copy of your two most recent 401k statements. If your 401k has a value over $25,000 you can be approved, even with severely challenged personal credit.

Whatever percent of your 401k is “rollable” is the amount of financing you can receive. In many cases, you can secure a low-interest credit line or loan for 100% of your current 401k value.

Do You Have Credit Issues Now?

Our 401k Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 5%, regardless of personal credit quality, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your 401k statements you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.

Our Securities-based Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in stocks or bonds to obtain a low-interest credit line.In as little as 2 weeks you can invest a portion of your stocks or bond into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.

You can be approved for a low-interest credit line for as much as 90% of the value of your securities. Most stocks and bonds accepted, and you keep all the interest and appreciation from your securities. Plus, there is no pre-payment penalty and your securities remain in your name.

Easy Qualification Process

Securities-based Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify all the lender will require is a copy of your two most recent securities statements. If your stocks or bonds have a value over $25,000 you can be approved, even with severely challenged personal credit.

Do You Have Credit Issues Now?

Our Securities-based Financing program is perfect for business owners who have credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 2-5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 2-5% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your securities statements you can receive your initial approval and funding in 2 weeks or less. You will be able to secure a working-capital credit line to use for whatever purposes you need.

Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with Secured Small Business Loans.If you have positive business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12,000,000. SBA offers several programs including 504 and 7a loan programs you may qualify for.

SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital.

SBA will require certain documentation to qualify including business and personal financials, resume and background information, personal and business credit reports, a business plan, bank statements, collateral, and other documentation relevant to the transaction.

Approval amounts will vary based on the collateral their business has and the amount of net profit reflected on their tax returns. The total time to close these loans is about 2-4 months.

Low-interest and Long-term Business Financing

SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA, and get one of their popular CAPLines. Plus, in many cases interest rates are as low as 5-6% on the financing you secure.

A recent Gallup survey found that 80% of U.S. businesses lease a portion of their equipment. The list of companies using leasing ranges from the Fortune 500 to the family store.We offer equipment financing and leasing programs for startup and existing businesses. You can get approved even with challenged credit, you won’t need financials to secure equipment financing, and approvals take as little as 24 hours.

Easy Qualification Process

You can be approved for Equipment Financing and Leasing with as low as a 640-personal credit score. To get approved lenders will request details on the equipment you are obtaining or using as collateral to borrow against.

After a quick credit review, you can be approved for as much as $2,000,000 in equipment financing.

Equipment Leasing is Powerful!

We help business owners obtain financing to lease equipment. With equipment leasing you receive even more favorable terms than typical business financing programs, with even more benefits.

Whether you are a startup business or a well-established business, we have hundreds of equipment lenders who would like to help. You can qualify with only two monthly payments as a down payment. And you can get approved with a credit score as low as 640.

Rates are affordable and 100% of your interest is tax deductible. Plus, you can get approved for financing ranging from $25,000 to $20,000,000

Equipment Sale-Leaseback Puts Cash in Your Pocket!

Our Equipment Sale-Leaseback program gives you cash using your existing equipment as collateral. If you have valuable pieces of equipment you can use those as leverage to obtain equipment financing. To qualify your equipment should be of higher value such as $25,000 or more.

If you do have a piece or multiple pieces of valuable equipment you can then sell those to the lender and they will in-turn lease the equipment back to you.

You get cash in your pocket, and you start a lease with the bank with lower payments and interest that is tax deductible.

You can enjoy a quick closing and high loan-to-values with our rehabilitation loans. Rehab loans are tailored for the real estate investor who wants to purchase, rehab, and flip residential properties.Using the property as collateral, funds are available for short-term residential renovation projects that most traditional banks and credit unions won’t approve.

Awesome Terms!

You can be approved for 100% of the financing you need to buy and rehab residential properties. Lenders will verify that the amount you are requesting is 65% or less of after-repair value of the property.

You can be approved for a short-term loan of 6 months, and can also get extended terms upon request. There is no prepayment penalty, so you can sell the home faster and pay off the entire loan without any cost to you whatsoever.

Easy to Get Approved!

There are three main elements lenders are looking at to approve you for this program. Firstly, you should have prior and recent flipping experience. Lenders will request you to list your recent projects verifying that you have recent experience of selling 2 homes or more.

Secondly, lenders will verify that you have average credit. You can be approved with credit scores as low as 640 as long as you don’t have any severe negative credit items on your report that are recent.

Lastly, to get approved you should be liquid. Lenders will want to see that you have money in the bank, and you will be required to put funds into an escrow account for security. The amount of liquid funds varies based on project, but you should only apply if you have at least $30,000 in liquidity now.

So you can be approved, even with average credit, as long as you have some flipping experience and money in the bank.

We offer commercial real estate financing ranging from $75,000-20,000,000. This financing can be used for the purchase of property, or the refinancing of a property, even if you are doing a cash-out refinance.Loan-to-values range from 55-65% depending on the purpose of the loan. We have funding programs available including conventional property financing, money for investment properties and hard money loans, bridge loans, and loans for the purchase of commercial real estate, plus your clients can also obtain SBA loans.

Commercial Real Estate Financing for All Types of Buildings!

We offer financing for many different, even unique property types. With our commercial real estate financing, you can acquire funding for offices, industrial, offices- general or medical/ dental, industrial facilities, light manufacturing buildings, mixed use properties, commercial condos, auto dealerships, light auto services, day cares, assisted living facilities, entertainment venues, multi-family properties, retail warehouses, self-storage facilities, and more.

We work with thousands of lending sources nationwide and many of them are private investors who are seeking the right opportunity to invest in. If you have collateral, average credit, and positive tax returns, you can be approved with many private investors at very good loan terms.With our private money sources, you won’t be required to give up any percentage of ownership equity in your business. You retain full control and are still able to obtain private investor funding, even when your bank says no.

Awesome Terms!

You can obtain private money financing with much the same terms as conventional bank loans. Rates vary based on risk typically ranging from 5-18%. You can get approved for long-term loans of 10 years, even 30 year loan terms, or you can get your funding through a working capital credit line that you can access and use any time you need it.

Easy to Get Approved!

There are two main elements private investors look for to approve you for funding. Firstly, lenders want to see that you have tax returns that reflect a profit. They will also verify that your sales and profits are increasing from year-to-year. Lenders look at these qualities as signs of a healthy company worth of long-term investment.

Secondly, lenders will verify that you have average credit. You can be approved with credit scores as low as 640 as long as you don’t have any severe negative credit items on your report that are recent.

Get Approved when Banks Say “No”!

Private money financing is often called SBA fall out as it typically helps those who can’t get approved for conventional SBA financing. SBA loans have very stringent qualifying requirements, so stringent that nearly 90% of applications are denied.

With Private Money Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand. You can get approved with just a quick review of your tax returns, credit, and bank statements.

Unlike conventional financing you don’t need good credit, average credit will suffice to qualify. You don’t need collateral valued at 100% of what you are borrowing like conventional financing, you can get approved with as little as 20%.

You can secure private money financing without most of the headaches and limitations that are common with conventional business financing.

Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral. This program is the best program available for insurance agents regarding approval requirements and approval terms.You can be approved for a 3-10 year loan or credit line for your insurance business, even if you have average credit. And all you truly need to qualify is a book-of-business of renewable commissions. You can even use the book-of-business for the insurance agency you are buying as collateral to get approved.

Easy to Get Approved!

Insurance agents rave about how easy this program is to qualify for. The lenders are mainly looking to insure you have a viable book of renewable commissions for your insurance agency. If you do, you can be approved even with a 520 personal credit score.

You can secure as much as 120% of the surrender value of your renewable commissions. And most agencies can qualify, excluding State Farm. All you need for approval is a complete application and breakdown of your renewables.

You can get rates as low as 4% over the Prime rate and you can get loan terms as long as 10 years helping keep your payments low.

Get Approved when Banks Say “No”!

Book-of-business financing is the absolute best long-term solution for insurance agents who can’t secure SBA, conventional type loan financing.

With Book-of-business Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand. You can get approved with just a quick review of your credit and renewable commission breakdown.

Unlike conventional financing you don’t need good credit, you can be approved even with severely challenged personal credit and scores as low as 520. Lenders are actually more interested in you supplying 3 solid references than they are with you having good credit.