Working capital serves as a financial cushion that enables a business to cover its operational expenses, manage inventory, meet short-term obligations, and pursue growth opportunities. 

Guidelines:

• Must be brick and mortar business, no home-based
• Open and operating for at least one month (30 days)
• Minimum annual sales of $200,000 ($17,000 monthly)
• Guarantor with personal Equifax credit score of 551 or higher
• Maximum of 2 outstanding cash advances
• Merchants may qualify for up to $500,000 (single-entity)
• Merchants may qualify for up to $750,000 (multi-entities)
• Loan repayment terms from 12 to 36 months
• No review of tax returns or financial statements required

Our investment property loans include residential 1-4 rental properties like single family homes, condominiums and townhomes to multi-family apartment, mixed-use and small commercial buildings. 

Mortgage Programs:

1. FlexTerm Loan
   • 30-year fixed rate.
   • Interest-only payments up to 10 years.
   • Great for qualifying self-employed investors and small business owners.
   • Based on property value, not personal income.
   • Best alternative to hard money loans.
2. Flex I/O Loan
   
   • An interest-only, 24-month term provides lower monthly payments.
   • Available for purchase or cash-out refinance.
   • Perfect for acquiring or leveraging real estate holdings.
   • A higher LTV than hard money options.
3. ARV Pro Loan
   • Allows borrowers to finance improvements.
   • Great for borrowers who need a quick close.
   • An interest-only 1-year term provides lower monthly payments.
   • A higher LTV than hard money lenders.
4.  Fast50 Loan
   • Streamlined underwriting.
   • No seasoning of ownership required.
   • Improved pricing compared to our FlexTerm program.
   • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.

Receive a lump sum of cash in exchange for a portion of its future revenue. It’s fast, flexible, and typically used by businesses that need quick access to capital but may not qualify for traditional loans. 

Easy Process - Loans in Minutes - $5,000 to $1MM

Benefits: 

• 95% Approval Rate
• Minimal Documentation
• Easy Application
• All Credit Scores Considered
• Funds Deposited Same Week

Qualifications:

• 4 months in operation
• $10,000 in monthly revenue

Beyond the financial aspect, SBA loans also provide valuable guidance and resources through the SBA network, offering expertise and support to help businesses succeed. 

SBA 7(a) Loan Requirements:

• Strong credit history
• Profit on taxes
• 2 years in business
• No excessive business debt
• 6 months of business bank statements
• 2 years of business & personal tax returns
• YTD financial statements

Unsecured lines of credit provide businesses with a safety net, ensuring they can access funds when needed.

 Credit-Based Funding:

• Leverages Multiple Credit Cards (up to $150k+)
• 0% APR intro rates for generally 9-21 months
• No revenue or TIB requirements
• Utilized For Start-Up or Existing Businesses
• 680+ credit requirement
• Monthly Payments (Usually 1-2% of balance)

Requirements:

• No Outstanding Charge-Offs
• Great Payment History
• At Least A Year of Individual Credit History
• Hard Inquiries: 4 or less in the last 6 months
• No Time in Business Required
• Great for Start-Ups
• No Revenue Requirements
• No Restricted Industries