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*All Funding Options Have NO Upfront Fees!!!*

680 Program: (No Income Docs Required)

  • Personal Credit reviewed for pre-approval for Business Credit Cards
  • Personal Credit score on all three bureaus 680+ for you or a credit partner
  • No bankruptcy or collection accounts (within last 7 years)
  • Under 40% utilization on each revolving accounts
  • No more than 4-6 inquiries per bureau in the last 6 months- preferably less
  • No open(unpaid) collections, liens or judgments
  • No late payments in 24 months
  • Seasoned bank card trade lines 2K limit
  • ( Must have minimum of two (2) open revolving account with a year and a half to two years good payment history )
  • 9.9% - 11.99% success rate fee once funding is complete which can be paid with new card
  • 0% interest for 6 to 18 months
  • Soft pull for pre-approval
  • Credit partners can be used if you do not meet the minimum requirements

In order for us to submit you to underwriting for a pre-approval for our Credit Line Hybrid we would require a soft credit pull. Remember a soft pull will have no effect on your credit.

OR

We will need a recent Personal Credit Report - We require a 3rd party (All 3 bureau) credit report from Identityiq.com . Identity IQ provides the best credit report available for this program.

***If you have a Credit Freeze or Fraud Alert on your credit profile that will need to be removed for review.


Personal Loans  (Income Docs Needed)


Unsecured Personal Funding W2 – Employees 

Funding Details $10,000 to $400,000 - 

  • Funded in as little as a week.
  • Approvals in As Little As 24 Hours
  • NO Upfront Costs.
  • 15% Success Fee If Funded
  • No Down Payment 
  • No Collateral 
  • No Reserves needed
  • Borrowers pay a 15% (15pts) fee if successfully funded.
  •  Term Loans – 3, 5, or 7-Year Terms with rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest.
  • Lines of Credit – Flexible Borrowing option. Rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest. Requires a 700+ Credit Score.

 *Lenders determine the interest rates, terms, and payments.

 REQUIREMENTS:

 1. 650+ Credit Scores: Must be reporting on all 3 credit bureaus.

2. 2+ Years of Clean Credit History: No recent late payments, no judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.

3. No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit, Personal Loans, Refinances, Mortgages, etc.)

4. 60% or Lower Revolving Debt

5. No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months

6. $27,000 Provable Annual Income

 DOCUMENTS NEEDED:

  • Signed Contract and Completed Application ID Color Copy, Front and Back in PDF or JPEG format.
  • Driver’s License, State ID, or Passport
  • Proof of Income: W2 & 1 Month Pay Stubs
  • Social Security Card Color Copy, Front and Back in PDF or JPEG format 
  • Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.

Suggested Services

 http://www.identityiq.com

https://www.privacyguard.com

https://checkfreescore.com

  • 3 Months of Personal Bank Statement: Must show direct deposit.
  • Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone, Deed or Lease Contract for Home Voided Personal Check: No Starter Checks.
  • Direct Deposit form or Official Letter from the bank if no voided check.

Self-Employed Unsecured Funding 1099/Sole Proprietorship/Single Member LLC

FUNDING DETAILS: $10,000 to $400,000 -

  •  Funded in as little as a week.
  • Approvals in As Little As 24 Hours.
  • No Down Payment
  • No Collateral
  • No Reserves Needed
  • No Upfront Costs
  • 15% Success Fee If Funded.
  • Term Loans – 3 or 5 year(s) with rates as low as 6%* for well qualified borrowers. Monthly Payments are Principal and Interest. *Lenders determine the interest rates, terms, and payments.

REQUIREMENTS: 

1. $50,000+ Gross Revenue: Must be in business minimum 2 Years. Adjusted Gross Income (AGI) minimum $27,000.

2. 2+ Years of Clean Credit History: No recent late payments, judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.

3. 60% or Lower Revolving Debt.

4. 650+ Credit Scores on all 3 Credit Bureaus.

5. No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit Limits, Mortgages, Refinances, etc.)

6. No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months.

 DOCUMENTS NEEDED: 

  • Signed Contract and Completed Application
  • Color Copy of ID. Front and Back in PDF or JPEG format.
  • Color Copy of Social Security Card. Front and Back in PDF or JPEG format.
  • Proof of Income: 2 Years 1040 Filed Returns, Schedule C and 4506T (For Personal and Business)
  • Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.

Suggested Services

http://www.identityiq.com

https://www.privacyguard.com

https://checkfreescore.com

  • Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone or Deed or Lease Contract of Home.
  • 3 Months of Personal Bank Statements.
  • 3 Months of Business Bank Statements. (if applicable) Voided Check: Must match provided bank account information. Must be for personal bank account. No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check.


Business Revenue/Line of Credit:

  • At least $10,000 in monthly gross revenue. (last 6 months business bank statements)

  • Time in Business - 1 year

               OR

  • At least $15,000 in monthly gross revenue. (last 6 months business bank statements to reflect)
  • Time in Business - 6 months

Equipment Financing:

  • At least $15,000 in monthly gross revenue. (last 6 months business bank statements to reflect)
  • Time in Business - 2 years
  • Must be new equipment
  • No leasebacks (can't lease back equipment a customer already owns)
  • Most types of equipment are acceptable including software

Merchant Line of Credit:

  • A line of credit (Mastercard + transfer ability with same interest rate). Competitive APR similar to a business credit card.
  • Up to $10,000 line/limit issued initially, with ability to increase drastically in a short amount of time.
  • No Personal Guarantee and does not report on personal credit.
  • Connected with merchant account, auto-draws 25% of transactions to pay down balance.
  • After account is active, line can be increased based on business volume. We’ve seen credit limits that started under $10k quickly jump up to $75k because of the merchant volume.

Qualifying Criteria:

  1. US Citizen with credit score
  2. Must have use for a merchant account. Or have an existing merchant account. (You don’t need to switch merchant accounts if you already have one!)
  3. Uses soft-pull, no hard inquiry for LOC. And no inquiry for merchant account if client needs to apply for one.

401K Qualifications:

  • you are no longer contributing
  • no longer employed by the issuing company
  • you have a minimum of 35K in the 401k
  • (If you meet this criteria, we may have some ways to access that cash without any penalties or tax event. All we need from you is your most recent 401k statement. Also tell us your main purpose for the funds.)

Real Estate:

  • Must own home or commercial property
  • Physical building with tenant
  • Must have equity in property

Accounts Receivable:

  • At least $20,000 in monthly gross revenue. (last 6 months business bank statements to reflect)
  • Time in Business - 2 years

FREE Business Credit and Loan Consultation

Enter your information for your no-cost business credit & loan consultation! (Value $199)



Fill Out This Form To Get Pre-Approved
If You Want To Get More Details or If You Want To Move Forward and Get Pre-Approved For Any of The Funding Options Listed Above, Fill Out This Form and Someone From Our Team Will Reach Out To You.
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