Programs For Credit Scores As Low As 450
Explore Our Business Funding Options
We offer funding options that fit a variety of business needs. If you don't see something that you qualify for, contact our team for a one-on-one consultation.
Real Estate Investor Financing
Program Features
- $75k - $2.2M
- 12-18 month term, interest only
- 9 payments are rolled into the loan
- Interest rates start at just 7%
- 100% financing on rehab
- With or without rehab budget
- Funding in as little as 72 hours
Can be used for:
- House flipping
- Buy & Hold
- New construction
- Residential only
Loan to Value:
- New investors - 75% LTV
- Experienced investors (10+ properties) - 90% LTV
Key Qualifications
- 625+ Credit Score (680+ for 90% LTV deals)
- Must have an EIN
- Non-owner occupied
Paperwork Required
- Information on desired property purchase
Startup Funding
Program Features
- $15k - $150k available
- Unsecured credit
- 0% interest for 9-18 months
- Optional term loans starting at 7% APR
- Up to $250k in total startup funding
- Established business not required
Key Qualifications
- 650+ Credit Score
- $50k+ in business or personal revenue
- 2+ years of credit history with at least one revolving line of $4k+ limit
Paperwork Required
- Bank statements or tax statements for income verification
Special Notes
- Recent credit card inquiries will affect potential funding amount
- A business partner or spouse that meets the above requirements can also apply
- Funding can be for any industry, and having a business is not required
Working Capital Loan
Program Features
- 24-48 hour funding process
- Bad credit OK
- Liens/judgements OK
Key Qualifications
- 450+ FICO credit score
- At least 6 months of time in business
- Minimum $10k being deposited into a business checking account each month
Paperwork Required
- Bank statements for the past 6 months
Revolving Line Of Credit
Program Features
- Up to $150,000
- 6, 12, or 18-month terms
- Equal weekly/monthly payments
- True revolver: each payment frees up additional funds on the credit line
Key Qualifications
- 650+ FICO credit score
- At least 6 months of time in business
- Minimum $25k in gross monthly sales
- No more than 2 negative days reflected in the business bank account per month
Paperwork Required
- Bank statements for the past 6 months
- Voided check (same day funding available after approval)
Collateral Based Programs
Program Features
- 1-5 year terms
- Rate is variable (premier program starts at 12%)
- Daily/weekly/monthly payment options
- $1,000,000 maximum available for the first funding
- 65-100% LTV depending on the program
Key Qualifications
- 620+ FICO credit score
- At least 2 years of time in business
- $1M in annual revenue for top pier premier program
- Lower tier only needs to have real estate or raw land with accumulated equity
Paperwork Required
- Bank statements for the past 6 months
- Real estate asset list
Premier program will also require the following:
- Business debt schedule
- Previous year personal and business tax returns
- YTD P&L and balance sheet
- Mortgage statement
What If You Don't Meet THe Qualifications
If you don't meet the qualifications, don't worry! Just spend 90 days building up your business credit, & Try Again
Equipment Financing
Program Features
- Up to $250k
- 1-5 year terms
- Rate is variable (really depends on credit, and can start as low as 8%)
- Monthly payments
- Full payment is a write-off (structured as an equipment lease)
Key Qualifications
- 550+ FICO credit score
- Available to startups with less than 6 months in business (active business still required)
- Equipment must be critical to the operations of the business
- Boats and aircraft do not qualify
Paperwork Required
- Bank statements for the past 6 months
- YTD and previous year's P&L and balance sheet
- Invoice
Invoice Based Financing
Program Features
- Revolving A/R line of credit (as the client's accounts receivables get paid down, it frees up funds to pull from the line
- 12-month term
- Rates start at 12%
- 4-7 days from application to funding
Key Qualifications
- No minimum credit score
- At least 6 months of time in business
- Minimum $1M in annual revenue required
- $100,000 in open A/R on 30-60 days
Paperwork Required
- Bank statements for the past 6 months
- 3 months P&L
- Proof of ownership
- A/R aging report
Term Loan
Program Features
- $50k - $200k
- 1-4 year terms
- Bi-weeklymonthly payments
- Interest rates starting at 7.99% APR (true interest rate)
- No pre-payment penalty
- Reports to business credit bureaus
- Can refinance up to 2 MCA's (balance cannot exceed $50,000 total)
Key Qualifications
- 660+ FICO credit score
- At least 2 years of time in business
- No bankruptcies, liens, or foreclosures in the last 3 years
Paperwork Required
- Bank statements for the past 6 months
SBA Loan
Program Features
- $100k - $10M
- Government backed funds
- 10-year term
- 7 to 7.5% APR
- 2-4 week funding process
Key Qualifications
- 675+ FICO credit score
- At least 2 years of time in business
- 2 years of profitable business tax returns
Paperwork Required
- Bank statements for the past 6 months
- 3 years of person and business tax returns
- YTD P&L and balance sheet (last year's as well if there was a tax extension)
- Business debt schedule
- SBA questionnaire
Sub-Prime Funding
Only accept a sub-prime loan if you have no other options.
If you can afford to wait for funding, try working with our team to build up your personal and business credit over a period of 90 days so that you can access more favorable options.
Program Features
- $5k - $250k
- Credit scores as low as 450 accepted
- Available to businesses with lower monthly revenues
Key Qualifications
- 450+ FICO credit score
- At least 2 years of time in business
- Minimum $5k in monthly business revenue
Paperwork Required
- Bank statements for the past 6 months
