Small Business Loans

No Minimum FICO

Bad credit ? No problem!

Most of our top financing options have no minimum FICO

$10,000- $5 Million

SBA Loans
  • Loan Amounts of $10,000 – $5 Million
  • 10 – 25 Year Terms
  • Funding in as little as 45 Days
Equipment Financing
  • 580+ Minimum FICO
  • No Min. time in business
  • No min. Monthly Gross sales
  • Bad credit no problem

You can qualify for our top financing options as a startup. No Minimum Monthly Sales No minimum revenue is needed to qualify for startup financing options. 650 + FICO There is a minimum 650+ FICO score required to apply for startup financing.

Business Term Loan

Similar to traditional bank style financing. A Term Loan is a set amount that a borrower pays back at a fixed amount. The common uses for these types of loans are business expansion, working capital and equipment purchases.

Benefits

– TraditionalAPR
– No Prepayment penalties
Rates starting at 7.99%

– Funding: 1- 3 days

Qualifications

2 years time in business
No bank liens or foreclosures in the last 3 years
660+ FICO
Loan Amounts: $25,000 – $2 Million
Terms: 1 – 5 years

Unsecured Working Capital

Unsecured working capital isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis.

Benefits

– Fully customizable based on business need 
– No compounding interest
– Funds can be used for any use 
– Pay-back based on the sales of the business

Qualifications

– 3 months in business
– $60,000 in annual gross sales
– No minimum FICO
– Loan Amounts: $10,000 – $5 Million.
-Terms: Flexible Terms
-Funding: Same Day

Business Line of Credit

A business line of credit provides flexibility for the business owner. Rather than a fixed amount issued at one time, funds can be accessed as needs arise. Funds are made available again, as the balance is paid down.

Benefits

Only pay interest on the funds drawn Credit available as needed
Draw as many time as you need
– Fast approvals

Qualifications

6 Months in Business
$60,000 in annual gross sales
No minimum FICO
– LOAN AMOUNTS: $10,000 – $1 Million
TERMS: 6 Months – 10 Years
FUNDING: 1 – 3 Days

Accounts Receivable Financing

Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.

*Special Program available to doctors and medical professionals based on insurance receivables.

Benefits

Typically lower interest rates
Doesn’t require other collatera
– Ability to factor new AR as they become available

Saves time for collecting your receivables Opens up cashflow

Qualifications

No minimum FICO score
Aging report required
$500,000 annual gross sales
– LOAN AMOUNTS: $10,000 – $5 Million
TERMS: 6 Months – 10 Years
FUNDING: 1 – 5 Days

Equipment Financing

Businesses utilize equipment financing to purchase business-related equipment. Obtaining these assets can be through equipment leasing or equipment financing, which doesn’t require businesses to pay out of pocket large amounts of cash. Ultimately freeing up working capital within the business. Equipment Financing is based on the value of equipment and the business’s affordability.

Benefits

Monthly payments Multi-year
Longer terms
– Low or NO down payment Tax benefits (section179)

Qualifications

No minimum time in business
580+ FICO score
No minimum in annual gross revenue
Loan Amounts: $10,000 – $5 Million
Terms: 1 – 5 Years
Funding: 1 – 5 Days