Network
Programs
By offering financing through hundreds of lenders, we give you the best opportunity to get more funding, at great terms! Our financing programs are the most comprehensive available today!
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Not to worry, we provide access to programs for business owners with GOOD and BAD credit. Contact us today to get approved for the capital your business needs!
Our Programs.
We have one for you!
Business Revenue Lending
COLLATERAL REQUIRED: Consistent revenue verifiable through bank statements
LOAN AMOUNTS: $2,000 - 1,000,000
TERM: 3 - 18 months
FACTOR: 1.10 - 1.4
CREDIT REQUIREMENT: 475 minimum credit score, no open bankruptcies or liens
DETAILS: $48,000 minimum annual revenue; minimum 3 months in business; Minimum 4 transactions per month, financial services industries are prohibited.
Accounts Receivable Financing
COLLATERAL REQUIRED: Account Receivables
LOAN AMOUNTS: $5,000 - $20 million
TERM: Up to 85% of receivables advanced within 24 hours
RATES: 1.25 - 3% discount.
CREDIT REQUIREMENTS: No credit score requirements to qualify
DETAILS: Receivables must come from a business or government agency, not an individual. Medical, construction and conventional receivables accepted.
Private Equity
COLLATERAL REQUIRED: 20% of loan amount required as collateral
LOAN AMOUNTS: $25,000 - $100 million
TERM: 12 months to 30 years
RATES: 8 - 18%
CREDIT REQUIREMENTS: 650 FICO scores or higher
DETAILS: Loans and credit lines available
Unsecured Credit Lines/Cards
COLLATERAL REQUIRED: Strong personal credit
LINE AMOUNTS: $10,000 - $150,000
TERM: Revolving credit cards
RATES: 5-29% APR
Equipment - Sales Lease Back
COLLATERAL REQUIRED: Existing equipment, or new equipment business wants to purchase
LOAN AMOUNTS: $10,000 - $2 million
TERM: 12 - 48 months
RATES: 15% - 40%
CREDIT REQUIREMENTS: 520 or higher FICO score
DETAILS: Borrow against existing and already owned equipment
Equipment Leasing
COLLATERAL REQUIRED: Existing equipment, or new equipment business wants to purchase
LOAN AMOUNTS: $10,000 - $2 million
TERM: 12 - 48 months
RATES: 7% - 28%
CREDIT REQUIREMENTS: 650 or higher FICO
DETAILS: 2 years time-in-business required for some programs. Each monthly revenue total should be close to the amount being financed, using a 1:1 ratio. Ex: A borrower requesting $25k in equipment costs should have close to $25k in business revenue deposits each month. Are you using working capital loans as a source of income? Ending balances show borrower can cover initial fees.
Retirement Account Financing
QUALIFIED REQUIRED: Previous 401K or IRA
LOAN AMOUNTS: Up to 100% of current retirement account value. Done in 2 phases
TERM: 5 years
RATES: 5.25% (Prime + 2) + $1995 rolled in lender fee.
CREDIT REQUIREMENTS: None
Merchant Cash Advance (MCA)
COLLATERAL REQUIRED: Credit card sales
LOAN AMOUNTS: $1,000 - $1,000,000
TERM: 3 - 18-month term, revolving line-of-credit also available
RATES: 10 - 45%
CREDIT REQUIREMENTS: 500 credit score or higher, Tax lien - Bankruptcies (payment plan/discharge paperwork)
Securities Financing
COLLATERAL REQUIRED: Stocks, bonds
LOAN AMOUNTS: Up to 90% of value of stock or bonds
TERM:Line-of-credit
RATES:2- 5%
CREDIT REQUIREMENTS: 520 FICO score
DETAIL: Most stocks and securities accepted, $250,000 in securities required for approval.
Inventory Financing
COLLATERAL REQUIRED: Inventory
LOAN AMOUNTS: $150,000-$500,000
TERM: Revolving line-of-credit
RATES: 2 - 21%
CREDIT REQUIREMENTS: 520 credit score or higher
DETAILS: Must have $300,000 or more in warehoused inventory to qualify, loan amounts as high as 50% of inventory.
We work with legitimate financing programs. Get started with The Business Lady and her Certified Business Finance Specialists to ensure you meet credit issuer approval guidelines before you apply.
Purchase Order Financing
COLLATERAL REQUIRED: Purchase Orders
LOAN AMOUNTS: $5,000 - $25,000
TERM: Up to 95% of purchase order can be advanced, 5% less fee is released once actual invoice is paid
RATES: 1 - 4%
CREDIT REQUIREMENTS: No credit score requirements to qualify
DETAILS: You can obtain a letter-of-credit for up to 95% of the order, cannot be for unfinished goods.
Term SBA Loan
COLLATERAL REQUIRED: Good to Strong personal credit, Business Revenue
LOAN AMOUNTS: $5,000 – multi-million
TERM: 5 - 25 years
RATES: Minimum 2 - 2.75% + prime rate
CREDIT REQUIREMENTS: 660 FICO scores or higher, no bankruptcies in the last 4 years
DETAILS: For profit companies only. $250k annual Revenue positive trends in sales growth, financials required for qualification, SBA 504 and 7a programs available, can be used for working capital or real estate purchase. MULTI MILLION DOLLAR RANGE DEALS: 3 mill annual Gross, net income neutral or positive, 2 most recent years - negative must explain why, No Bankruptcies/Tax Liens.
Enterprise SBA Loan
COLLATERAL REQUIRED: Collateral must be 50% of loan amount
LOAN AMOUNTS: $200,000 - $12 million
TERM: 10 - 25 years
RATES: 2-2.75% + prime rate, 3-5 lender points
CREDIT REQUIREMENTS: 620 FICO scores or higher, no bankruptcies in the last 4 years
DETAILS: For Profit Companies Only, positive trends in sales growth, financials required for qualification, SBA 504 and 7A programs available, can be used for working capital or real estate purchase.
Commercial Financing
COLLATERAL REQUIRED: Commercial real estate
LOAN AMOUNTS: $50,000 - $20,000,000
TERM: Up to 75% loan-to-value for refinances, up to 90% loan-to-value for purchases, 20-30 year loans
RATES:4 - 8%
CREDIT REQUIREMENTS: 650 FICO score
DETAILS: Conventional, SBA 504 available
Book of Business Financing
COLLATERAL REQUIRED: Book of Business
LOAN AMOUNTS: Borrow 2-3 times annual renewal commissions
TERM: 3 - 10-year loan
RATES: 4 - 9% + prime rate
CREDIT REQUIREMENTS: 620 FICO or higher
Bank Line of Credit Up to $150K
COLLATERAL REQUIRED: Unsecured
LOAN AMOUNTS: $50,000 to $150,000
TERM: Revolving line of credit
RATES: 6% to 11%
CREDIT REQUIREMENTS: 700+ (Experian)
10 Year Term Loan
COLLATERAL REQUIRED: UCC filed on the business
LOAN AMOUNTS: $50,000 to $150,000
TERM: 10 years
RATES: Sub 7%
CREDIT REQUIREMENTS: 700+ Experian
DETAILS: Requires lease covering term of loan (If building is not owned by customer) NO Real Estate Flipper
