Welcome to my business credit boost

Working Capital

our trusted partners

WITH OVER 50+ LENDERS

Schedule your Complimentary Advisory Meeting today and let us help you navigate the complex world of business funding with confidence.

Working Capital

When considering options for working capital, businesses have several avenues, each offering unique advantages.

Business credit cards provide quick access to funds with relatively easy approval processes, making them ideal for immediate expenses and building credit.

Merchant Cash Advances (MCAs) offer fast funding based on future credit card sales, making them accessible for businesses with fluctuating revenues and providing flexible repayment options.

Personal term loans can be a viable option for business owners with strong personal credit, offering fixed repayment terms and interest rates, providing predictability in financial planning.

Investment property refinancing allows business owners to leverage real estate equity, providing substantial funds that can be used for significant business investments.

Lastly, a business line of credit offers flexible access to funds with interest only on the amount used, making it suitable for managing cash flow and covering short-term operating expenses. Each option has its unique benefits, allowing businesses to choose based on their specific financial needs and circumstances.

Each working capital option, from business credit cards to MCAs, term loans, and lines of credit, offers unique benefits that cater to varying business needs and financial situations.

We have highlighted Options for Working Capital Below.
Please schedule an advisory meeting to discuss further!

Business Credit Cards

Business credit cards are essential tools for entrepreneurs and small business owners, offering a range of benefits that can significantly enhance financial management and growth potential. These cards provide access to substantial credit lines, often with 0% introductory interest rates for a specified period, allowing businesses to make necessary purchases without immediate financial strain. Additionally, business credit cards typically offer rewards programs, such as cash back, travel points, or other incentives, which can help offset business expenses and contribute to overall savings.

Our partners specialize in acquiring up to $250,000 in 0% interest business credit for our clients, providing a comprehensive “done-for-you” service. Over the past 14 years, they have secured over $1.3 billion in business credit for more than 20,000 businesses across various industries, including real estate, e-commerce, healthcare, and more. Their expertise and dedication have earned them numerous accolades, including an A+ rating from the BBB and a spot on the Inc 5000 list for five consecutive years

  • Credit Score Minimum: 680
  • Income Minimum: Stated income.
  • Debt Ratio: Stated income, so in most cases not applicable.
  • Citizenship: Must be a U.S. citizen.
  • Credit Bureau Status: No fraud alerts or security freezes on any credit bureau.
  • Existing Credit Limits: Existing open credit accounts should have limits of at least $5,000.
  • Existing Credit Cards: Balances must be no more than 30% to 65% of existing credit lines. (If they are higher, we might be able to assist with a personal loan to pay them down)
  • Social Security Number: Must have a valid U.S. Social Security number.

Credit Report:  Three bureau with fico scores. Learn How!

  • Done-For-You Business Credit: Up to $250,000 at 0% interest.
  • Personal Business Credit Expert: Access to a team of experts for a detailed funding plan.
  • Free Business Entity: Incorporation of your business entity (State Fees Only) and advice on maximizing credit approvals.
  • Free Guide: Utilizing business funding with no advance fees.
  • Standard Credit Coaching Package: Instructions on removing inquiries and derogatory accounts from personal credit reports.
  • Corporate Credit: Extra $100,000 D&B Vendor Corporate Credit: Boost business credit profiles with non-personal guaranteed Corporate Credit.
  • Premium Credit Coaching: Unlimited access to interactive business coaching, monthly live coaching calls, and a monthly edition of Prosperity Pulse. First month free, then $50/month.
  • Partner Upgrade: A partner of your choice will receive all program benefits, including entity formation, 2-3 funding batches, up to $250,000 of funding, advanced credit consulting, inquiry removal, and cash liquidation.
  • Credit Score: Generally requires a minimum FICO score of 680.
  • Credit Status: Not actively undergoing bankruptcy or other severe credit issues.
  • Credit Inquiry Removal: Step-by-step system for removing credit inquiries.
  • 60-Day Money Back Guarantee: Receive a free credit consultation, credit report, and strategies on creating large amounts of business credit (less a 4% processing fee).
  • Up to $100,000 of Corporate Credit: Obtain unsecured, non-recourse corporate credit over 12 months, boosting your Dun & Bradstreet rating.
  • Interest Rate: 0% introductory interest rates for an average of 12 – 18 months.
  • Term: Ongoing credit line.
  • Fees: Varies on the lender from 8% + of funding received, to a flat fee of $4,000
  • Credit Reporting: Most business credit cards will not show up on your personal credit.
  • Funding Time: 2 – 3 weeks
  • Collateral Required: None
  • Cash-Like Purchasing Power: Use the funding for any business need, including software, tools, services, inventory, or even real estate purchases with minimal fees.
  • Creative Credit Leverage: Step-by-step guidance on using credit for wire transfers and other cash-needed situations.

Our partners specialize in acquiring up to $250,000 in 0% interest business credit for our clients, providing a comprehensive “done-for-you” service.

Merchant Cash Advance

A Merchant Cash Advance (MCA) is a flexible financing option that provides businesses with a lump sum of capital upfront, which is repaid through a percentage of daily credit card sales. This method is particularly beneficial for businesses that need quick access to working capital but may not qualify for traditional loans due to stringent credit requirements or lack of collateral. MCAs are ideal for managing cash flow, covering unexpected expenses, or capitalizing on immediate business opportunities. The repayment structure, based on sales volume, allows businesses to pay more during high sales periods and less during slower times, making it a versatile solution for industries with fluctuating revenues

  • Credit Score Minimum: na
  • Income Minimum: $10,000 in monthly sales, deposited to a business bank account
  • Debt to Income: na
  • Time in Business Minimum: 6 months
  • Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements: Last three months.
  • Quick Approval and Funding: Enjoy a fast approval process, often within hours, with funds typically available within 48 hours. This speed ensures you can address urgent financial needs promptly.
  • Flexible Repayment: Repayments are a percentage of your daily credit and debit card sales, which means they adjust according to your sales volume. This flexibility helps manage cash flow more effectively.
  • No Collateral Required: Access significant amounts of capital, up to $575,000, without needing to provide collateral. This reduces risk and simplifies the application process.
  • Ease of Access: The application process is straightforward with minimal paperwork, making it easy to secure the funds you need.
  • Support for Growth: Ideal for various business needs such as inventory purchases, expansion, or managing unexpected expenses, helping your business grow and thrive.

  • Loan Amount: Up to $575,000, depending on your business’s credit card sales volume and financial health.
  • Factor Rate: Instead of traditional interest rates, MCAs use a factor rate, typically ranging from 1.1 to 1.5. This rate determines the total repayment amount.
  • Total Repayment: Calculated by multiplying the advance amount by the factor rate. For example, an advance of $100,000 with a factor rate of 1.2 would require a total repayment of $120,000.
  • Term: Typically 6 to 9 months.
  • Repayment Terms: Repayments are made through a fixed percentage of your daily credit and debit card sales, which means the amount varies with your sales volume.
  • Fees: There may be additional fees, such as origination fees or administrative fees, which should be clarified during the application process.
  • Credit Reporting: Does not report to credit unless you default.
  • Funding Time: Same day to 24 hours.
  • Collateral Required: None.

Merchant Cash Advances (MCAs) can be used for a variety of business needs, particularly when quick access to capital is essential. Here are some common use cases:

  • Temporary Cash Flow Help: Covering payroll, utility bills, or lease payments during periods of low cash flow.
  • Purchasing Inventory: Taking advantage of bulk purchase discounts or seasonal inventory needs.
  • Unplanned Expenses: Managing unexpected costs such as equipment repairs or emergency maintenance.
  • Working Capital: Ensuring you have the necessary funds to keep your business operations running smoothly.
  • Expansion: Funding new locations, renovations, or additional marketing efforts to grow your business.

A Merchant Cash Advance (MCA) is a flexible financing solution designed to help businesses access quick capital by leveraging their future sales.

Business Term Loans

Term loans can provide businesses with the capital they need to grow and succeed. These loans are designed to offer flexible repayment terms and competitive interest rates, making them an attractive option for businesses looking to finance large projects, expand operations, or manage cash flow. We focus on understanding the unique needs of each business, ensuring that the loan terms are tailored to meet specific financial goals. Streamlined application process and dedicated support team help businesses secure the funding they need quickly and efficiently.

With a focus on providing easy access to capital, we work with different lenders to offer funding for unsecured loans with terms extending up to five to seven years. These loans are ideal for businesses looking to consolidate debt, finance new projects, or cover operational expenses without the need for collateral. The application process is designed to be quick and straightforward, allowing businesses to receive their funds promptly and focus on their growth and success.

  • Credit Score Minimum: 600
  • Income Minimum: $50,000 (verifiable on a W2 or Tax Returns)
  • Debt to Income: Varies based on lender.
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months.
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years.
  • Flexible Repayment Terms: Tailored to meet the specific needs of your business.
  • Competitive Interest Rates: Designed to be affordable and manageable.
  • Quick Funding: Streamlined application process for fast access to capital.
  • High Loan Amounts: Suitable for financing large projects or expansions.
  • Dedicated Support: Personalized assistance to guide you through the loan process.
  • Customizable Loan Terms: Adjusted to align with your business goals and financial situation.
  • Comprehensive Financial Solutions: Suitable for various business needs, including cash flow management and operational expenses.
  • Loan Amounts: $25,000 to $300,000
  • Interest Rate: 3.99% to 15% depending on credit and other underwriting guidelines
  • Term: 5 to 25 years
  • Fees: Varies from lender to lender
  • Credit Reporting:  Typical reports to business credit, but varies from lender to lender.
  • Funding Time: 7 to 15 days
  • Collateral Required:  None
  • Expansion Projects: Opening new locations or expanding existing facilities.
  • Equipment Purchase: Buying machinery, technology, or other essential equipment.
  • Inventory Purchase: Stocking up on products or raw materials.
  • Working Capital: Managing day-to-day operational expenses.
  • Debt Consolidation: Refinancing existing debts to improve cash flow.
  • Marketing and Advertising: Funding promotional campaigns to attract new customers.
  • Hiring and Training: Bringing on new staff or upskilling current employees.
  • Research and Development: Investing in new products or services.
  • Renovations: Upgrading or refurbishing business premises.
  • Emergency Funds: Covering unexpected expenses or financial shortfalls.

With a focus on providing easy access to capital, we work with different lenders to offer funding for unsecured loans with terms extending up to five to seven years.

Personal Term Loans

Personal term loans are a type of installment loan that allows individuals to borrow a fixed amount of money and repay it over a set period, typically ranging from two to seven years. These loans are often used for various purposes, such as consolidating debt, financing home improvements, or covering unexpected expenses. Borrowers receive the loan amount upfront and make monthly payments that include both principal and interest. The interest rates on personal term loans can vary based on the lender, the borrower’s credit score, and the loan term. Choosing the right loan term is crucial, as shorter terms generally result in higher monthly payments but lower overall interest costs, while longer terms offer lower monthly payments but higher total interest. Personal term loans provide a structured and predictable way to manage larger expenses, making them a popular choice for many consumers.

  • Credit Score Minimum:  700
  • Income Minimum:  $50,000 (verifiable on a W2 or Tax Returns)
  • Debt to Income:  25% to 30%

 

  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years
  • Fixed Loan Amount: Receive a specific sum of money upfront.
  • Defined Repayment Period: Repay the loan over a set timeframe, typically ranging from two to seven years.
  • Monthly Installments: Make regular monthly payments that include both principal and interest.
  • Fixed Interest Rates: Enjoy consistent monthly payments with interest rates that remain unchanged throughout the loan term.
  • Credit Score Consideration: Your credit score can affect the interest rate and loan approval.
  • Versatile Use: Use the loan for various purposes, such as consolidating debt, making home improvements, or covering unexpected expenses.
  • No Collateral Needed: Generally, personal term loans are unsecured, meaning no collateral is required.
  • Early Repayment Options: Some lenders allow you to pay off the loan early without penalties, potentially saving on interest costs.
  • Loan Amounts:  $25,000 to $300,000
  • Interest Rate:  5% to 25% depending on credit and other underwriting guidelines
  • Term:  5 to 7 years
  • Fees:  9% to 15%  depending on credit and other underwriting guidelines
  • Credit Reporting:  Reports to personal credit
  • Funding Time:  3 to 10 days
  • Collateral Required:  None

 

  • Cover large expenses such as home renovations, medical bills, or consolidating higher-interest debt.
  • Manage major financial needs with predictable monthly payments.
  • Make significant investments or address urgent costs while maintaining financial stability.

Personal term loans provide a structured and predictable way to manage larger expenses, making them a popular choice for many consumers.

SBA Loans

The U.S. Small Business Administration (SBA) offers a variety of loan programs designed to support small businesses in obtaining the funding they need to start, grow, or sustain their operations. SBA loans are not directly issued by the government; instead, they are provided by participating lenders, such as banks and credit unions, with a portion of the loan guaranteed by the SBA. This guarantee reduces the risk for lenders, making it easier for small businesses to qualify for financing. The most common types of SBA loans include the 7(a) Loan Program, which offers flexible funding for various business needs, and the 504 Loan Program, which provides long-term, fixed-rate financing for major fixed assets like real estate and equipment.

One of the key benefits of SBA loans is their competitive terms, which often include lower interest rates and longer repayment periods compared to conventional loans. Additionally, SBA loans may require lower down payments and offer more flexible overhead requirements, making them accessible to a wider range of businesses. These loans can be used for a variety of purposes, including working capital, inventory purchases, equipment acquisition, and refinancing existing debt. To qualify, businesses generally need to meet certain size standards, demonstrate the ability to repay the loan, and have a sound business purpose. Overall, SBA loans are a valuable resource for small businesses seeking to secure the funding necessary for growth and success.

  • Credit Score Minimum:  650
  • Income Minimum:  $250,000 annually 
  • Debt to Income:  Sufficient to service all debt payments
  • Application: Our general application to start the process. Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Credit Report: Three bureau with fico scores. Learn How!
  • Bank Statements: Last six months
  • Tax Returns: Last two years
  • Business Debt Schedule
  • Government Guarantee: The SBA guarantees a portion of the loan, reducing the risk for lenders and making it easier for small businesses to qualify for financing.
  • Competitive Terms: SBA loans often come with lower interest rates and longer repayment terms compared to conventional loans. This can result in lower monthly payments and more manageable debt.
  • Flexible Use of Funds: These loans can be used for a wide range of business purposes, including working capital, purchasing inventory, acquiring equipment, refinancing existing debt, and even buying real estate.
  • Lower Down Payments: SBA loans typically require lower down payments, which can be beneficial for businesses that need to preserve cash flow.
  • Support for Small Businesses: The SBA has specific programs designed to support small businesses, including those owned by women, veterans, and minorities. These programs can provide additional resources and support.
  • Eligibility Criteria: While there are specific eligibility requirements, such as size standards and the ability to repay the loan, the SBA’s criteria are often more flexible than those of traditional lenders.
  • Character Evaluation: The SBA conducts a character evaluation for applicants, which includes a review of personal history and criminal background. This ensures that the business owners are of good character.
  • Loan Amounts:  $50,000 to $500,000
  • Interest Rate:  Prime + 2.75% to 6.5%  depending on credit and other underwriting guidelines.  
  • Term:  Up to 10 years
  • Fees:  Vary by lender depending on credit and other underwriting guidelines
  • Credit Reporting:   Vary by lender, but most do not report to personal credit.
  • Funding Time:   7 days to 3 months
  • Collateral Required:  All business assets.

 

One of the key benefits of SBA loans is their competitive terms, which often include lower interest rates and longer repayment periods compared to conventional loans

Operating Lines of Credit

A revolving line of credit is similar to a credit card. The lending institution grants you a maximum credit limit, accessible for business purposes anytime during the revolving period (up to one year). A minimum $5,000 loan balance is required to keep the revolving period open. During this period, you can take unlimited draws or make partial principal paydowns of $5,000 or more. Each weekly payment and partial principal paydown frees up your line’s available funds.

Unlike a credit card, there is a fixed weekly payment based on the original term chosen during approval (up to 36 months). Payments made on the revolving credit line become available to access again. The credit limit can be used repeatedly as long as you do not exceed the maximum. Many small business owners and corporations use revolving lines of credit to finance expansion projects, additional locations, new equipment, partner buyouts, or as a safeguard against cash flow problems.

The Ultimate Revolving Line of Credit

  • Credit Score Minimum:  601
  • Income Minimum:  $17,000 / mo ($200,000 annually) Businesses Income
  • Debt to Income: Varies by lender
  • Must be brick and mortar business, no home-based
  • List of Approved Industries | View our list of approved industries
  • Open and operating for at least one month (30 days) – B2C
  • Open and operating for at least two years (24 months) – B2B
  • Business must have no more than two outstanding cash advance loans.
  • Applicants must own the business.
  • The business must be open and operating under the same ownership for at least one month (30 days)
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Bank Statements:  Last three months.
  • Tax Returns:  Last two years
  • Revolving Period: Up to 1 year (52 weeks).
  • Unlimited Draws: Minimum of $5,000 during the revolving period.
  • Unlimited Paydowns: Minimum of $5,000 during the revolving period.
  • Line Availability: Payments and paydowns free up available funds.
  • No Penalties: Pay off or pay down your line of credit anytime without penalties.
  • Customizable: Decide when and how much to borrow, and the amount of your payment.
  • Early Payoff: No penalties for early payoff during the loan term.
  • No hard credit pull, so your credit will not be affected.
  • Loan Amounts: Up to $1,000,000
  • Interest Rate: 8% to 25% depending on credit and other underwriting guidelines.
  • Finance Charges: Accrue and are collected weekly.
  • Term: Up to 36 months
  • Fees: Vary by lender depending on credit and other underwriting guidelines Only charged on cash out.
  • Credit Report: Vary by lender, but most do not report to personal credit.
  • Initial Draw: Minimum of $5,000 or 10% of the line approval.
  • Funding Time: Under a week
  • Collateral Required: None

We understand the changing business landscape, especially in the restaurant industry. Small business owners use our revolving line of credit for various reasons, including:

  • Equipment financing
  • Purchasing inventory in bulk for volume discounts
  • Renovations and remodels
  • Expansion projects
  • Paying for franchise obligations
  • Opening another location
  • Obtaining a liquor license
  • Operational capital for slow, seasonal periods
  • Adding catering and take-out services
  • Upgrading your POS/computer system
  • Remodeling your kitchen for maximum efficiency
  • Buying out a business partner
  • Investing in outdoor signage and landscaping
  • Starting a new advertising/marketing campaign
  • Paying business taxes
  • Consolidating and paying off more expensive debt

A revolving line of credit offers businesses flexible access to funds with a fixed weekly payment, allowing for ongoing draws and repayments, similar to a credit card but with a set term.

Real Estate Refinance

If you own an investment property, refinancing a non-owner occupied property can be a strategic move to unlock the equity you’ve built up and secure funds for starting a business. By opting for a cash-out refinance, you can replace your existing mortgage with a new, larger loan, allowing you to access the difference as a lump sum of cash. This approach can provide the necessary capital to cover startup costs, invest in business infrastructure, or manage initial operational expenses. It’s important to note that lenders typically allow you to borrow up to 75-80% of your property’s value, depending on factors such as your creditworthiness and the property’s current market value. This method not only leverages your real estate investment but also helps you diversify your financial portfolio by channeling funds into a new business venture.

  • Credit Score Minimum:  640
  • Income Minimum:  Some lenders offer asset-based loans, where meeting the income qualification is possible if the verifiable rent covers the mortgage. Other lenders might prefer a more traditional approach to income verification.
  • Debt to Income:  Varies based on lender, or may not be applicable if asset-based.
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months.
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years.
  • Flexible Loan Options: Various loan products are tailored to meet the needs of real estate investors, including fix and flip loans, rental property loans, and multifamily loans.
  • Competitive Rates: Financing solutions come with competitive interest rates, helping investors maximize their returns.
  • Quick Funding: Expedited funding processes ensure that investors can access the capital needed promptly to seize investment opportunities.
  • High Loan-to-Value (LTV) Ratios: Investors can benefit from high LTV ratios, allowing them to leverage more of their property’s value.
  • Cash-Out Refinancing: This option enables investors to access the equity in their properties, providing funds for additional investments or business ventures.
  • Expert Support: Personalized support from experienced professionals is available to guide investors through the financing process.
  • Loan Amounts:  $75,000 to $50,000,000
  • Interest Rate:  Commemorative current market rates
  • Term:  Up to 30 years, depending on purchase type.  Fix & Flip loans 12-24 months.
  • Fees:  Varies from lender to lender
  • Credit Reporting: Personal Credit
  • Funding Time: Varies from lender to lender
  • Collateral Required: Property Purchased

Refinancing Real Estate not only leverages your real estate investment but also helps you diversify your financial portfolio by channeling funds into a new business venture.

Equipment Purchases

Equipment financing loans are a popular method for businesses to acquire machinery, vehicles, and technology necessary for their operations without the immediate burden of high upfront costs. Essentially, these loans allow businesses to borrow money specifically for the purchase of equipment, with the equipment itself often serving as collateral. This type of financing is particularly beneficial for small to medium-sized enterprises that need to maintain cash flow while still acquiring the tools essential for growth and productivity. With various terms and interest rates available, businesses can find equipment financing options that align with their financial strategies and repayment capabilities.

In addition to conserving capital, equipment financing loans can offer tax benefits. Many jurisdictions allow businesses to deduct the interest paid on these loans and claim depreciation on the equipment, further easing the financial load. Moreover, by opting for financing, companies can keep their credit lines open for other potential investments or emergencies. This flexibility is crucial in today’s fast-paced business environment, where staying agile and responsive can make all the difference. Equipment financing not only fuels growth but also helps businesses remain competitive by enabling them to adopt the latest technology and maintain operational efficiency.

  • Credit Score Minimum:  650
  • Income Minimum:  Varies depending on amount of loan
  • Debt to Income:  Varies based on lender

 

  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application.  Please note all owners of the company must complete an application. View Application
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Bank Statements:   Last three months
  • Invoice or URL Link for the Equipment to be purchased
  • Flexibility: Financing options up to $1.5 million for both new and used equipment and technology
  • Simplicity: For loans up to $250,000, a simple one-page application and last 3 months of bank statements is all that’s required
  • Fast Service: Decisions are made within hours, allowing businesses to quickly access the funds they need
  • Low-to-No Upfront Costs: Options for deferred payments and 100% financing are available, minimizing initial expenses
  • Customized Payment Structures: Payment plans can be tailored to match specific business needs, with full payments potentially delayed for up to three months and terms extending up to 60 months
  • Preservation of Cash Flow: By avoiding substantial cash outlays and depletion of bank credit lines, businesses can maintain liquidity for other expenses
  • Potential Tax Benefits: Businesses may benefit from tax deductions on interest paid and depreciation on the financed equipment. Section 179 first year depreciation may apply.
  • Loan Amounts:  Up to $1.5m
  • Interest Rate:  Starting at 6.99%
  • Term:  2 to 6 years
  • Fees: Vary by lender depending on credit and other underwriting guidelines.
  • Credit Reporting: Varies based on lender.
  • Funding Time:  Non Titled 24 – 48 hours / Titled 48 – 72 hours
  • Collateral Required:   Yes

Equipment financing not only fuels growth but also helps businesses remain competitive by enabling them to adopt the latest technology and maintain operational efficiency.

Business Credit Cards

Business credit cards are essential tools for entrepreneurs and small business owners, offering a range of benefits that can significantly enhance financial management and growth potential. These cards provide access to substantial credit lines, often with 0% introductory interest rates for a specified period, allowing businesses to make necessary purchases without immediate financial strain. Additionally, business credit cards typically offer rewards programs, such as cash back, travel points, or other incentives, which can help offset business expenses and contribute to overall savings.

Our partners specialize in acquiring up to $250,000 in 0% interest business credit for our clients, providing a comprehensive “done-for-you” service. Over the past 14 years, they have secured over $1.3 billion in business credit for more than 20,000 businesses across various industries, including real estate, e-commerce, healthcare, and more. Their expertise and dedication have earned them numerous accolades, including an A+ rating from the BBB and a spot on the Inc 5000 list for five consecutive years

  • Credit Score Minimum: 680
  • Income Minimum: Stated income.
  • Debt Ratio: Stated income, so in most cases not applicable.
  • Citizenship: Must be a U.S. citizen.
  • Credit Bureau Status: No fraud alerts or security freezes on any credit bureau.
  • Existing Credit Limits: Existing open credit accounts should have limits of at least $5,000.
  • Existing Credit Cards: Balances must be no more than 30% to 65% of existing credit lines. (If they are higher, we might be able to assist with a personal loan to pay them down)
  • Social Security Number: Must have a valid U.S. Social Security number.

Credit Report:  Three bureau with fico scores. Learn How!

  • Done-For-You Business Credit: Up to $250,000 at 0% interest.
  • Personal Business Credit Expert: Access to a team of experts for a detailed funding plan.
  • Free Business Entity: Incorporation of your business entity (State Fees Only) and advice on maximizing credit approvals.
  • Free Guide: Utilizing business funding with no advance fees.
  • Standard Credit Coaching Package: Instructions on removing inquiries and derogatory accounts from personal credit reports.
  • Corporate Credit: Extra $100,000 D&B Vendor Corporate Credit: Boost business credit profiles with non-personal guaranteed Corporate Credit.
  • Premium Credit Coaching: Unlimited access to interactive business coaching, monthly live coaching calls, and a monthly edition of Prosperity Pulse. First month free, then $50/month.
  • Partner Upgrade: A partner of your choice will receive all program benefits, including entity formation, 2-3 funding batches, up to $250,000 of funding, advanced credit consulting, inquiry removal, and cash liquidation.
  • Credit Score: Generally requires a minimum FICO score of 680.
  • Credit Status: Not actively undergoing bankruptcy or other severe credit issues.
  • Credit Inquiry Removal: Step-by-step system for removing credit inquiries.
  • 60-Day Money Back Guarantee: Receive a free credit consultation, credit report, and strategies on creating large amounts of business credit (less a 4% processing fee).
  • Up to $100,000 of Corporate Credit: Obtain unsecured, non-recourse corporate credit over 12 months, boosting your Dun & Bradstreet rating.
  • Interest Rate: 0% introductory interest rates for an average of 12 – 18 months.
  • Term: Ongoing credit line.
  • Fees: Varies on the lender from 8% + of funding received, to a flat fee of $4,000
  • Credit Reporting: Most business credit cards will not show up on your personal credit.
  • Funding Time: 2 – 3 weeks
  • Collateral Required: None
  • Cash-Like Purchasing Power: Use the funding for any business need, including software, tools, services, inventory, or even real estate purchases with minimal fees.
  • Creative Credit Leverage: Step-by-step guidance on using credit for wire transfers and other cash-needed situations.

Our partners specialize in acquiring up to $250,000 in 0% interest business credit for our clients, providing a comprehensive “done-for-you” service.

Merchant Cash Advance

A Merchant Cash Advance (MCA) is a flexible financing option that provides businesses with a lump sum of capital upfront, which is repaid through a percentage of daily credit card sales. This method is particularly beneficial for businesses that need quick access to working capital but may not qualify for traditional loans due to stringent credit requirements or lack of collateral. MCAs are ideal for managing cash flow, covering unexpected expenses, or capitalizing on immediate business opportunities. The repayment structure, based on sales volume, allows businesses to pay more during high sales periods and less during slower times, making it a versatile solution for industries with fluctuating revenues

  • Credit Score Minimum: na
  • Income Minimum: $10,000 in monthly sales, deposited to a business bank account
  • Debt to Income: na
  • Time in Business Minimum: 6 months
  • Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements: Last three months.
  • Quick Approval and Funding: Enjoy a fast approval process, often within hours, with funds typically available within 48 hours. This speed ensures you can address urgent financial needs promptly.
  • Flexible Repayment: Repayments are a percentage of your daily credit and debit card sales, which means they adjust according to your sales volume. This flexibility helps manage cash flow more effectively.
  • No Collateral Required: Access significant amounts of capital, up to $575,000, without needing to provide collateral. This reduces risk and simplifies the application process.
  • Ease of Access: The application process is straightforward with minimal paperwork, making it easy to secure the funds you need.
  • Support for Growth: Ideal for various business needs such as inventory purchases, expansion, or managing unexpected expenses, helping your business grow and thrive.

  • Loan Amount: Up to $575,000, depending on your business’s credit card sales volume and financial health.
  • Factor Rate: Instead of traditional interest rates, MCAs use a factor rate, typically ranging from 1.1 to 1.5. This rate determines the total repayment amount.
  • Total Repayment: Calculated by multiplying the advance amount by the factor rate. For example, an advance of $100,000 with a factor rate of 1.2 would require a total repayment of $120,000.
  • Term: Typically 6 to 9 months.
  • Repayment Terms: Repayments are made through a fixed percentage of your daily credit and debit card sales, which means the amount varies with your sales volume.
  • Fees: There may be additional fees, such as origination fees or administrative fees, which should be clarified during the application process.
  • Credit Reporting: Does not report to credit unless you default.
  • Funding Time: Same day to 24 hours.
  • Collateral Required: None.

Merchant Cash Advances (MCAs) can be used for a variety of business needs, particularly when quick access to capital is essential. Here are some common use cases:

  • Temporary Cash Flow Help: Covering payroll, utility bills, or lease payments during periods of low cash flow.
  • Purchasing Inventory: Taking advantage of bulk purchase discounts or seasonal inventory needs.
  • Unplanned Expenses: Managing unexpected costs such as equipment repairs or emergency maintenance.
  • Working Capital: Ensuring you have the necessary funds to keep your business operations running smoothly.
  • Expansion: Funding new locations, renovations, or additional marketing efforts to grow your business.

A Merchant Cash Advance (MCA) is a flexible financing solution designed to help businesses access quick capital by leveraging their future sales.

Business Term Loans

Term loans can provide businesses with the capital they need to grow and succeed. These loans are designed to offer flexible repayment terms and competitive interest rates, making them an attractive option for businesses looking to finance large projects, expand operations, or manage cash flow. We focus on understanding the unique needs of each business, ensuring that the loan terms are tailored to meet specific financial goals. Streamlined application process and dedicated support team help businesses secure the funding they need quickly and efficiently.

With a focus on providing easy access to capital, we work with different lenders to offer funding for unsecured loans with terms extending up to five to seven years. These loans are ideal for businesses looking to consolidate debt, finance new projects, or cover operational expenses without the need for collateral. The application process is designed to be quick and straightforward, allowing businesses to receive their funds promptly and focus on their growth and success.

  • Credit Score Minimum: 600
  • Income Minimum: $50,000 (verifiable on a W2 or Tax Returns)
  • Debt to Income: Varies based on lender.
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months.
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years.
  • Flexible Repayment Terms: Tailored to meet the specific needs of your business.
  • Competitive Interest Rates: Designed to be affordable and manageable.
  • Quick Funding: Streamlined application process for fast access to capital.
  • High Loan Amounts: Suitable for financing large projects or expansions.
  • Dedicated Support: Personalized assistance to guide you through the loan process.
  • Customizable Loan Terms: Adjusted to align with your business goals and financial situation.
  • Comprehensive Financial Solutions: Suitable for various business needs, including cash flow management and operational expenses.
  • Loan Amounts: $25,000 to $300,000
  • Interest Rate: 3.99% to 15% depending on credit and other underwriting guidelines
  • Term: 5 to 25 years
  • Fees: Varies from lender to lender
  • Credit Reporting:  Typical reports to business credit, but varies from lender to lender.
  • Funding Time: 7 to 15 days
  • Collateral Required:  None
  • Expansion Projects: Opening new locations or expanding existing facilities.
  • Equipment Purchase: Buying machinery, technology, or other essential equipment.
  • Inventory Purchase: Stocking up on products or raw materials.
  • Working Capital: Managing day-to-day operational expenses.
  • Debt Consolidation: Refinancing existing debts to improve cash flow.
  • Marketing and Advertising: Funding promotional campaigns to attract new customers.
  • Hiring and Training: Bringing on new staff or upskilling current employees.
  • Research and Development: Investing in new products or services.
  • Renovations: Upgrading or refurbishing business premises.
  • Emergency Funds: Covering unexpected expenses or financial shortfalls.

With a focus on providing easy access to capital, we work with different lenders to offer funding for unsecured loans with terms extending up to five to seven years.

Personal Term Loans

Personal term loans are a type of installment loan that allows individuals to borrow a fixed amount of money and repay it over a set period, typically ranging from two to seven years. These loans are often used for various purposes, such as consolidating debt, financing home improvements, or covering unexpected expenses. Borrowers receive the loan amount upfront and make monthly payments that include both principal and interest. The interest rates on personal term loans can vary based on the lender, the borrower’s credit score, and the loan term. Choosing the right loan term is crucial, as shorter terms generally result in higher monthly payments but lower overall interest costs, while longer terms offer lower monthly payments but higher total interest. Personal term loans provide a structured and predictable way to manage larger expenses, making them a popular choice for many consumers.

  • Credit Score Minimum:  700
  • Income Minimum:  $50,000 (verifiable on a W2 or Tax Returns)
  • Debt to Income:  25% to 30%

 

  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years
  • Fixed Loan Amount: Receive a specific sum of money upfront.
  • Defined Repayment Period: Repay the loan over a set timeframe, typically ranging from two to seven years.
  • Monthly Installments: Make regular monthly payments that include both principal and interest.
  • Fixed Interest Rates: Enjoy consistent monthly payments with interest rates that remain unchanged throughout the loan term.
  • Credit Score Consideration: Your credit score can affect the interest rate and loan approval.
  • Versatile Use: Use the loan for various purposes, such as consolidating debt, making home improvements, or covering unexpected expenses.
  • No Collateral Needed: Generally, personal term loans are unsecured, meaning no collateral is required.
  • Early Repayment Options: Some lenders allow you to pay off the loan early without penalties, potentially saving on interest costs.
  • Loan Amounts:  $25,000 to $300,000
  • Interest Rate:  5% to 25% depending on credit and other underwriting guidelines
  • Term:  5 to 7 years
  • Fees:  9% to 15%  depending on credit and other underwriting guidelines
  • Credit Reporting:  Reports to personal credit
  • Funding Time:  3 to 10 days
  • Collateral Required:  None

 

  • Cover large expenses such as home renovations, medical bills, or consolidating higher-interest debt.
  • Manage major financial needs with predictable monthly payments.
  • Make significant investments or address urgent costs while maintaining financial stability.

Personal term loans provide a structured and predictable way to manage larger expenses, making them a popular choice for many consumers.

Operating Lines of Credit

A revolving line of credit is similar to a credit card. The lending institution grants you a maximum credit limit, accessible for business purposes anytime during the revolving period (up to one year). A minimum $5,000 loan balance is required to keep the revolving period open. During this period, you can take unlimited draws or make partial principal paydowns of $5,000 or more. Each weekly payment and partial principal paydown frees up your line’s available funds.

Unlike a credit card, there is a fixed weekly payment based on the original term chosen during approval (up to 36 months). Payments made on the revolving credit line become available to access again. The credit limit can be used repeatedly as long as you do not exceed the maximum. Many small business owners and corporations use revolving lines of credit to finance expansion projects, additional locations, new equipment, partner buyouts, or as a safeguard against cash flow problems.

The Ultimate Revolving Line of Credit

  • Credit Score Minimum:  601
  • Income Minimum:  $17,000 / mo ($200,000 annually) Businesses Income
  • Debt to Income: Varies by lender
  • Must be brick and mortar business, no home-based
  • List of Approved Industries | View our list of approved industries
  • Open and operating for at least one month (30 days) – B2C
  • Open and operating for at least two years (24 months) – B2B
  • Business must have no more than two outstanding cash advance loans.
  • Applicants must own the business.
  • The business must be open and operating under the same ownership for at least one month (30 days)
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Bank Statements:  Last three months.
  • Tax Returns:  Last two years
  • Revolving Period: Up to 1 year (52 weeks).
  • Unlimited Draws: Minimum of $5,000 during the revolving period.
  • Unlimited Paydowns: Minimum of $5,000 during the revolving period.
  • Line Availability: Payments and paydowns free up available funds.
  • No Penalties: Pay off or pay down your line of credit anytime without penalties.
  • Customizable: Decide when and how much to borrow, and the amount of your payment.
  • Early Payoff: No penalties for early payoff during the loan term.
  • No hard credit pull, so your credit will not be affected.
  • Loan Amounts: Up to $1,000,000
  • Interest Rate: 8% to 25% depending on credit and other underwriting guidelines.
  • Finance Charges: Accrue and are collected weekly.
  • Term: Up to 36 months
  • Fees: Vary by lender depending on credit and other underwriting guidelines Only charged on cash out.
  • Credit Report: Vary by lender, but most do not report to personal credit.
  • Initial Draw: Minimum of $5,000 or 10% of the line approval.
  • Funding Time: Under a week
  • Collateral Required: None

We understand the changing business landscape, especially in the restaurant industry. Small business owners use our revolving line of credit for various reasons, including:

  • Equipment financing
  • Purchasing inventory in bulk for volume discounts
  • Renovations and remodels
  • Expansion projects
  • Paying for franchise obligations
  • Opening another location
  • Obtaining a liquor license
  • Operational capital for slow, seasonal periods
  • Adding catering and take-out services
  • Upgrading your POS/computer system
  • Remodeling your kitchen for maximum efficiency
  • Buying out a business partner
  • Investing in outdoor signage and landscaping
  • Starting a new advertising/marketing campaign
  • Paying business taxes
  • Consolidating and paying off more expensive debt

A revolving line of credit offers businesses flexible access to funds with a fixed weekly payment, allowing for ongoing draws and repayments, similar to a credit card but with a set term.

SBA Loans

The U.S. Small Business Administration (SBA) offers a variety of loan programs designed to support small businesses in obtaining the funding they need to start, grow, or sustain their operations. SBA loans are not directly issued by the government; instead, they are provided by participating lenders, such as banks and credit unions, with a portion of the loan guaranteed by the SBA. This guarantee reduces the risk for lenders, making it easier for small businesses to qualify for financing. The most common types of SBA loans include the 7(a) Loan Program, which offers flexible funding for various business needs, and the 504 Loan Program, which provides long-term, fixed-rate financing for major fixed assets like real estate and equipment.

One of the key benefits of SBA loans is their competitive terms, which often include lower interest rates and longer repayment periods compared to conventional loans. Additionally, SBA loans may require lower down payments and offer more flexible overhead requirements, making them accessible to a wider range of businesses. These loans can be used for a variety of purposes, including working capital, inventory purchases, equipment acquisition, and refinancing existing debt. To qualify, businesses generally need to meet certain size standards, demonstrate the ability to repay the loan, and have a sound business purpose. Overall, SBA loans are a valuable resource for small businesses seeking to secure the funding necessary for growth and success.

  • Credit Score Minimum:  650
  • Income Minimum:  $250,000 annually 
  • Debt to Income:  Sufficient to service all debt payments
  • Application: Our general application to start the process. Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Credit Report: Three bureau with fico scores. Learn How!
  • Bank Statements: Last six months
  • Tax Returns: Last two years
  • Business Debt Schedule
  • Government Guarantee: The SBA guarantees a portion of the loan, reducing the risk for lenders and making it easier for small businesses to qualify for financing.
  • Competitive Terms: SBA loans often come with lower interest rates and longer repayment terms compared to conventional loans. This can result in lower monthly payments and more manageable debt.
  • Flexible Use of Funds: These loans can be used for a wide range of business purposes, including working capital, purchasing inventory, acquiring equipment, refinancing existing debt, and even buying real estate.
  • Lower Down Payments: SBA loans typically require lower down payments, which can be beneficial for businesses that need to preserve cash flow.
  • Support for Small Businesses: The SBA has specific programs designed to support small businesses, including those owned by women, veterans, and minorities. These programs can provide additional resources and support.
  • Eligibility Criteria: While there are specific eligibility requirements, such as size standards and the ability to repay the loan, the SBA’s criteria are often more flexible than those of traditional lenders.
  • Character Evaluation: The SBA conducts a character evaluation for applicants, which includes a review of personal history and criminal background. This ensures that the business owners are of good character.
  • Loan Amounts:  $50,000 to $500,000
  • Interest Rate:  Prime + 2.75% to 6.5%  depending on credit and other underwriting guidelines.  
  • Term:  Up to 10 years
  • Fees:  Vary by lender depending on credit and other underwriting guidelines
  • Credit Reporting:   Vary by lender, but most do not report to personal credit.
  • Funding Time:   7 days to 3 months
  • Collateral Required:  All business assets.

 

One of the key benefits of SBA loans is their competitive terms, which often include lower interest rates and longer repayment periods compared to conventional loans

Real Estate Refinance

If you own an investment property, refinancing a non-owner occupied property can be a strategic move to unlock the equity you’ve built up and secure funds for starting a business. By opting for a cash-out refinance, you can replace your existing mortgage with a new, larger loan, allowing you to access the difference as a lump sum of cash. This approach can provide the necessary capital to cover startup costs, invest in business infrastructure, or manage initial operational expenses. It’s important to note that lenders typically allow you to borrow up to 75-80% of your property’s value, depending on factors such as your creditworthiness and the property’s current market value. This method not only leverages your real estate investment but also helps you diversify your financial portfolio by channeling funds into a new business venture.

  • Credit Score Minimum:  640
  • Income Minimum:  Some lenders offer asset-based loans, where meeting the income qualification is possible if the verifiable rent covers the mortgage. Other lenders might prefer a more traditional approach to income verification.
  • Debt to Income:  Varies based on lender, or may not be applicable if asset-based.
  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application. View Application
  • Bank Statements:  Last three months.
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Tax Returns:  Last two years.
  • Flexible Loan Options: Various loan products are tailored to meet the needs of real estate investors, including fix and flip loans, rental property loans, and multifamily loans.
  • Competitive Rates: Financing solutions come with competitive interest rates, helping investors maximize their returns.
  • Quick Funding: Expedited funding processes ensure that investors can access the capital needed promptly to seize investment opportunities.
  • High Loan-to-Value (LTV) Ratios: Investors can benefit from high LTV ratios, allowing them to leverage more of their property’s value.
  • Cash-Out Refinancing: This option enables investors to access the equity in their properties, providing funds for additional investments or business ventures.
  • Expert Support: Personalized support from experienced professionals is available to guide investors through the financing process.
  • Loan Amounts:  $75,000 to $50,000,000
  • Interest Rate:  Commemorative current market rates
  • Term:  Up to 30 years, depending on purchase type.  Fix & Flip loans 12-24 months.
  • Fees:  Varies from lender to lender
  • Credit Reporting: Personal Credit
  • Funding Time: Varies from lender to lender
  • Collateral Required: Property Purchased

Refinancing Real Estate not only leverages your real estate investment but also helps you diversify your financial portfolio by channeling funds into a new business venture.

Equipment Purchases

Equipment financing loans are a popular method for businesses to acquire machinery, vehicles, and technology necessary for their operations without the immediate burden of high upfront costs. Essentially, these loans allow businesses to borrow money specifically for the purchase of equipment, with the equipment itself often serving as collateral. This type of financing is particularly beneficial for small to medium-sized enterprises that need to maintain cash flow while still acquiring the tools essential for growth and productivity. With various terms and interest rates available, businesses can find equipment financing options that align with their financial strategies and repayment capabilities.

In addition to conserving capital, equipment financing loans can offer tax benefits. Many jurisdictions allow businesses to deduct the interest paid on these loans and claim depreciation on the equipment, further easing the financial load. Moreover, by opting for financing, companies can keep their credit lines open for other potential investments or emergencies. This flexibility is crucial in today’s fast-paced business environment, where staying agile and responsive can make all the difference. Equipment financing not only fuels growth but also helps businesses remain competitive by enabling them to adopt the latest technology and maintain operational efficiency.

  • Credit Score Minimum:  650
  • Income Minimum:  Varies depending on amount of loan
  • Debt to Income:  Varies based on lender

 

  • Application:  Our general application to start the process.  Depending on which lender ends up being the best fit, we may need to submit a lender specific application.  Please note all owners of the company must complete an application. View Application
  • Credit Report:  Three bureau with fico scores. Learn How!
  • Bank Statements:   Last three months
  • Invoice or URL Link for the Equipment to be purchased
  • Flexibility: Financing options up to $1.5 million for both new and used equipment and technology
  • Simplicity: For loans up to $250,000, a simple one-page application and last 3 months of bank statements is all that’s required
  • Fast Service: Decisions are made within hours, allowing businesses to quickly access the funds they need
  • Low-to-No Upfront Costs: Options for deferred payments and 100% financing are available, minimizing initial expenses
  • Customized Payment Structures: Payment plans can be tailored to match specific business needs, with full payments potentially delayed for up to three months and terms extending up to 60 months
  • Preservation of Cash Flow: By avoiding substantial cash outlays and depletion of bank credit lines, businesses can maintain liquidity for other expenses
  • Potential Tax Benefits: Businesses may benefit from tax deductions on interest paid and depreciation on the financed equipment. Section 179 first year depreciation may apply.
  • Loan Amounts:  Up to $1.5m
  • Interest Rate:  Starting at 6.99%
  • Term:  2 to 6 years
  • Fees: Vary by lender depending on credit and other underwriting guidelines.
  • Credit Reporting: Varies based on lender.
  • Funding Time:  Non Titled 24 – 48 hours / Titled 48 – 72 hours
  • Collateral Required:   Yes

Equipment financing not only fuels growth but also helps businesses remain competitive by enabling them to adopt the latest technology and maintain operational efficiency.

*We strive to keep our information current, but the lending landscape changes daily, and requirements can vary between lenders. The information provided is intended as a guideline to begin the approval process. Additional information, documents, and requirements may be needed.

Our Funding Partners

Credentials

Complimentary Advisory Meeting

Why Choose Us?

With over 8 years of experience, 950 Credit, Inc. has built a reputation for excellence and reliability in the financial consulting industry. Our team of experts is committed to understanding your unique needs and delivering personalized solutions that drive your business forward.

Contact Us to book your meeting and start your journey to financial success with My Business Credit Boost.

Tiffany A.
Read More
Excellent customer support and extremely helpful .. I 100% recommend.
Iyana H.
Read More
This company is very good with their communication and productivity! I’m still awaiting the finalization but so far their process is simple and smooth.
Michael B.
Read More
Great! Customer support and extremely helpful, EXTREMELY time efficient!!! Miguel was excellent with walking me through the process I 100% recommend!!!
Broward C.
Read More
So my hat is off to these guys. Ty again so much. Look forward to continuing this business relationship. Huge blessing.
Becca F.
Read More
This has been an amazing and simple experience. Customer service was great through the process! Would recommend to anyone.
Jim O.
Read More
Awesome service. Very informative, very patient & pointed me in the right direction. Answered all my questions bc I was asking away! lol, dope program. Information is power!! Worth every penny trust me!!