Small Business
Lending

What Your Bank Will NEVER Tell You About Business Lending … Get Insider Knowledge Right Here …

Does your business need a loan?

Find the best options out there for your business. There might be options you’ve never heard of.

What is Business Lending

Business lending is borrowed capital offered by lenders to businesses. In exchange for this money, lenders require repayment of principal plus interest and fees. Often, these require the borrower to make regular payments on a set schedule. But repayment terms and interest rates can vary depending on the type of lending, the lender, and the borrower’s Fundability.

Businesses can apply this capital toward expenses they are unable to pay for themselves. Or, they can use it for expansion, to make payroll, to buy out a competitor, or for any other business purpose the ownership can think of.

Traditional Lending

With traditional lending (also called conventional lending), a chartered bank lends directly to businesses and/or individuals.

Fintech & Alternative Lending

More and more business lending is being done through FIntech or alternative lending sources.. Fintech often uses AI (artificial intelligence) to get documents electronically and quickly evaluate those documents and other data to make fast approval decisions. Often these FinTech companies are backed by industrial banks.

How to Qualify for Small Business Loans

Understanding small business lending qualifications means putting yourself in a small business lending company’s shoes. What are they really trying to find out from you before they lend you money?

They want exactly 2 primary things from you:

1. To make sure you CAN pay them back, and 2. To make sure you WILL pay them back.

Proving You Have the Ability to Pay a Loan Back

Lenders will gauge your ability to pay back a loan by assessing what you can offer them that will prove that. In general, they are looking for any or all of the three “C’s”:

Cash

Cash flow, savings, and merchant account

Credit

The strength of personal and business credit

Collateral

Available assets to secure a business loan

The three “C’s” are basic qualification factors, determining if you can get financing at all. But your Fundability Factors will be reviewed to determine details such as amounts, terms, and rates.

BUSINESS CREDIT BUILDER

Business Loans For Your Situation

By understanding the strengths of your business, we can create a personalized assessment of your situation. Then our team of funding experts match you with the perfect lender to meet your financing needs.

Credit Line

Hybrid

Get up to $150k in unsecured, no doc financing with 0% introductory rates

Equipment

Financing

Finance your new equipment or get a leaseback on owned equipment

Securities Backed Lines of Credit

Secure your business loan with stocks, bonds, mutual funds, and retirement

Revenue

Financing

Use your business revenue to secure funding for your business

Merchant Cash Advance

Fund your growth with cash from your merchant account transactions

SBA

Loans

Get the best rates and terms with highest loan amounts with SBA loans

Commercial Real Estate

Purchase commercial real estate with multiple options for growth

Inventory Financing

Use your existing inventory to secure your business financing

MEET THE PERFECT LENDER

Find Your Funding Now!

Leverage our experience in matching your strengths with lenders who are ready and eager to work with you right now. Not only will you find the funding you need today, but we’ll also help you prepare for better money in the future.

WE'VE GOT YOUR COVERED

We Help All Types of Businesses

Small Business Loans

Getting a loan for a small business can change everything. Let's find the funding you need to flourish!

Growth Financing

Let's fund your next steps for growth to help you take your business to the next level.

Expansion Financing

Get the capital you need to expand with high loan amounts, great rates, and longer terms.

Startup Loans

Get up to $150,000 in unsecured financing with no income, assets, or collateral.

Non Profits

Nonprofits can borrow money from banks and lenders to help finance their operations.

Franchisee's

Get the money you need to grow your franchise the right way! Find out how we can help.

COMMON QUESTIONS

Frequently Asked Questions

Discover the world of business loans with our FAQs, covering key topics to help you make informed decisions and unlock growth opportunities.

Can I get a business loan with bad credit?

Yes, it is possible to obtain a business loan with bad credit. However, the options may be limited, and the interest rates could be higher. Some alternative lenders specialize in offering loans to businesses with less-than-perfect credit.

How much money can I qualify for?

The amount you can qualify for depends on various factors, such as your credit score, business revenue, time in business, and the lender's evaluation of your financial health. Each lender has different criteria, so it's essential to research and compare your options.

What rates and fees will I pay

Interest rates and fees vary depending on the lender, type of loan, your creditworthiness, and other factors. Typical fees may include origination fees, processing fees, and prepayment penalties. It's crucial to review the loan terms and understand the total cost of borrowing before accepting an offer.

Do I need collateral to secure a business loan?

Some types of business loans require collateral, while others do not. For example, secured loans (such as equipment financing) often require collateral, whereas unsecured loans (like lines of credit) typically do not. However, unsecured loans may have higher interest rates due to the increased risk for the lender.

What types of business loans are available?

There are various types of business loans, including term loans, lines of credit, invoice financing, equipment financing, merchant cash advances, and Small Business Administration (SBA) loans. Each loan type serves a specific purpose and has unique terms, rates, and eligibility requirements.

How do lenders evaluate a business loan application?

Lenders typically consider factors such as your credit score, time in business, annual revenue, debt-to-income ratio, and the overall financial health of your business. They may also review your business plan, industry, and cash flow projections.

Can I improve my chances of getting approved for a business loan?

To improve your chances of approval, make sure to maintain a good credit score, keep accurate financial records, develop a solid business plan, demonstrate strong cash flow, and reduce existing debt. It's also essential to research and apply for loans that best fit your business needs and financial profile.

Testimonials

Real results from business owners just like you

Cheryl Reisner, a former bank lender from Shreveport, Louisiana. The suite’s business credit building process unlocked more funding options than she ever imagined, opening up new possibilities for her business. Cheryl believes every business owner can benefit from the Business Finance Suite, as it revolutionizes how they operate.

Louis, a Miami-based business owner found success using the Business Finance Suite, which helped establish a business credit profile. This enabled them to apply for funding without using their Social Security number, eliminating personal liability for credit applications. The speaker highly recommends this program to fellow business owners.

Edward from El Paso, Texas, struggled to secure funding for his small businesses until discovering the Business Finance Suite. Within a month, the suite helped set up his business correctly, establish trade lines and revolving credit, and now he’s on track to receive funding. Edward guarantees it’s worth the investment and only wishes he’d found it sooner.

Brian praises the Business Credit and Funding Suite for its exceptional service and support. Within 3 to 4 months, he was able to secure $50,000 in funding for his business and plans to refer more clients, grateful for the help he received.

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