Core Borrower:

• Credit score: < 650+

• Time in Business < 1 Year

• Annual Gross Sales: $350K- $5 Million

• All other clients should still meet the minimum requirements:

• 4-6 Months in Business

• $10,000 in Monthly Deposits

• 4 Months of Business Bank Statements

• NO Minimum FICO (Based on product)

Top Industries:

Healthcare

• Medical

• Dental

• Home Healthcare

• Assisted Living

Construction

• General Contracting

• HVAC

• Electrician

• Plumbing

Restaurants

Trucking/Transportation

Retail

Auto Repair

Manufacturing

Wholesale/ Distribution

Personal Services

• Nail Salon

• Hair Salon

• Barber

• Aesthetics/Beauty

Professional Services

• Accountant

• Attorney

• Insurance

• Real Estate

 

 Product Fast Facts

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Working Capital Loans

A Working Capital Loan is short-term financing designed to help maintain cash flow and cover a business’s everyday operational expenses, such as payroll, rent, and inventory. Whether a business is navigating seasonal fluctuations or seizing a growth opportunity, a working capital loan can provide the necessary funds to keep operations running smoothly.

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Minimum Qualifications:

• 4+ Months in Business

• $10,000+ Monthly Gross Sales

• NO Minimum FICO

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements

Fast Facts:

• Same Day Funding

• Up to 10-Year Terms

• Amounts Up To $5 Million

• No Use of Funds Limitations

• No Collateral Required

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Business Line of Credit

A business line of credit is a flexible financing option that allows businesses to borrow funds as needed, similar to a credit card. Interest is ​paid only on the borrowed amount, and funds can be used for various purposes, like managing cash flow or covering unexpected ​expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.

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Minimum Qualifications:

• 6+ Months in Business

• $10,000+ Monthly Gross Sales

• 600+ Minimum FICO

What’s Needed:

• Signed Application

• 6 Months Business Bank Statements

Fast Facts:

• Same Day Funding

• Amounts Up To $5 Million

• Flexible Repayment Terms

• Interest Only Paid on Amount Used

• Used for Cash Flow Management

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Term Loans

A term loan is a lump sum funding, repaid in fixed installments over a set period, often used for major expenses like equipment or business expansion. Term Loans can have a fixed or variable interest rate.

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Minimum Qualifications:

• 2+ Years in Business

• $10,000+ Monthly Gross Sales

• 660+ Minimum FICO

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements

Fast Facts:

• Funding In As Little As 1-3 Days

• Monthly Payments Available

• Traditional APR

• No Prepayment Penalties

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SBA Loans

An SBA loan is a government-supported financing option designed for those looking to start or grow their business. To qualify, applicants must meet specific eligibility criteria, including size standards, proof of repayment ability, and a clear business purpose.

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Minimum Qualifications:

• 2+ Years in Business

• $120,000+ Annual Gross Sales

• 675+ Minimum FICO

What’s Needed:

• Signed Application

• 6 Months Business Bank Statements

• SBA Questionnaire

• Business Debt Schedule

• 3 Years Personal / Business Tax Returns

• Previous Year + YTD P&L and Balance Sheet

Fast Facts:

• Approved in 24-48 Hours

• Up to 25-Year Terms

• Amounts Up To $5 Million

• Government-Backed Funds

• Refinance Existing Business Debt

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Equipment Financing

Equipment financing allows businesses to acquire necessary equipment through loans or leases. This option can be utilized for purchasing a wide range of tangible assets. Examples of equipment that can be financed include medical devices, office equipment, manufacturing machinery, and technology.

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Minimum Qualifications:

• No Minimum Time in Business

• No Minimum Gross Sales

• 580+ Minimum FICO

  • May vary based on equipment type

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements (if applicable)

• Invoice of Quote for Equipment

Fast Facts:

• Express Funding- In As Little As 2 Days

• Low or NO Down Payment

• 1-5-Year Terms

• Amounts Up To $5 Million

• Monthly Payments Available

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Commercial Real Estate Financing

Commercial real estate is property intended for business use. This includes office buildings, retail locations, warehouses, and industrial facilities. Commercial real estate transactions involve buying, selling, or leasing these properties to support business activities.

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Minimum Qualifications:

• 650+ Minimum FICO

• Necessary Property Documentation

• Down Payment

What’s Needed:

• Signed Application

• 6 Months Business Bank Statements

• Property Details and Address

Fast Facts:

• Potential for Income Generation

• Hedge Against Inflation

• Tax Advantages

• Appreciation

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Accounts Receivable Financing

Accounts receivable financing occurs when a company sells or finances its outstanding invoices to gain working capital. This can be done by either selling the asset to a lender or using the receivable (invoices) as collateral for a loan.

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Minimum Qualifications:

• Aging Report Required

• $500,000 Annual Gross Sales

• NO Minimum FICO

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements

• Aging A/R & A/P Report

• Active Customer List

Fast Facts:

• Express Funding- In As Little As 2 Days

• Up To 10-Year Terms

• Amounts up to $5 Million

• Lower Interest Rates

• Doesn’t Require Other Collateral

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Fix & Flip Financing

Fix-and-flip financing is a short-term loan for real estate investors to buy, renovate, and sell properties, with funding based on the property's after-repair value (ARV).

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Minimum Qualifications:

• 680+ Minimum FICO

• 3 successful flips in the last 36 months

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements

• 3 Most Recent Hud1 Statements

Fast Facts:

• Rates Starting at 8.99%

• Funding 80% of the Purchase Price and 100% of Rehab costs

• Monthly Payments

• 1-4 units

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Franchise Financing

Franchise financing is a way for franchisees to obtain funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.

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Minimum Qualifications:

• 6+ Months in Business

• $10,000+ Monthly Gross Sales

• NO Minimum FICO

What’s Needed:

• Signed Application

• 4 Months Business Bank Statements

• Equipment Invoice, if applicable

Fast Facts:

• Express Funding- In As Little As 2 Days

• Up To 10-Year Terms

• Amounts up to $5 Million

• Flexible Terms

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Residential Investment Property Financing

An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate and generate rental income.

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Minimum Qualifications:

• Prior History

• Minimum Property Value of $250,000

• 650+ Minimum FICO

What’s Needed:

• Signed Application

• 6 Months Business Bank Statements

• Property Details and Address

Fast Facts:

• Express Funding- In As Little As 20 Days

• Same Day Pre-Approval

• Rates Starting At 8.99%