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Capital for Your Business Even When Traditional Banks Say No
Get matched with real funding options based on your business β fast approvals, flexible terms, and no obligation to accept.
Β No impact to credit β’ Secure form β’ No obligation
See What You Qualify ForBegins with a quick readiness assessment β no obligation
Funding Solutions for Businesses at Different Stages
This isnβt one-size-fits-all financing. Funding options are matched based on where your business is today and where you want it to go.
This funding is designed for:
β’ Newer businesses that need startup or early-stage capital
β’ Growing businesses looking to expand, hire, or improve cash flow
β’ Established companies seeking better funding options than traditional banks
β’ Business owners who have been declined or discouraged by banks
β’ Entrepreneurs who want flexible terms, fast decisions, and real options
You donβt need perfect credit.
You donβt need to fit into a bankβs rigid checklist.
You just need a legitimate business and a clear funding goal.
Get Funding For Your Business in 3 Easy Steps
Multiple funding options. One clear process. No obligation to move forward.
Apply Online
Complete a quick, secure application so the business profile can be reviewed. No impact to credit, just to see options.
Review Your Options
Funding options are matched based on your business, not a bank checklist. Review terms and amounts before making any decision.
Get Funded
Choose the option that fits. Funds can be available as quickly as one business day.
Funding Options
Funding options are matched based on your business profile. Not every option fits every business.
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.Β
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.Β
Mortgage Programs:
- 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.
- 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.
- 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.
- Β 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. Itβs fast, flexible, and typically used by businesses that need quick access to capital but may not qualify for traditional loans.Β
Easy Process - Loans in Minutes - $5,000 to $1MM
Benefits:Β
- 95% Approval Rate
- Minimal Documentation
- Easy Application
- All Credit ScoresΒ 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.Β
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 creditΒ provide businesses with a safety net, ensuring they can access funds when needed.
Β Credit-Based Funding:
β’ Leverages Multiple Credit Cards (up to $150k+)
β’ 0% APR intro rates for generally 9-21 months
β’ No revenue or TIB requirements
β’ Utilized For Start-Up or Existing Businesses
β’ 680+ credit requirement
β’ Monthly Payments (Usually 1-2% of balance)
Requirements:
β’ No Outstanding Charge-Offs
β’ Great Payment History
β’ At Least A Year of Individual Credit History
β’ Hard Inquiries: 4 or less in the last 6 months
β’ No Time in Business Required
β’ Great for Start-Ups
β’ No Revenue Requirements
β’ No Restricted Industries
Options vary by business profile. There is no obligation to move forward.
Frequently Asked Questions About Business Funding
We work with a wide range of funding options, including working capital, cash advances, real estate-related funding, SBA loan programs, and credit-based funding. Options vary based on your business profile, goals, and qualifications. The process is focused on matching you with what fits, not pushing a single product.
What types of business funding do you offer?
How fast can I get funding?
Do I need good credit to qualify?
How much funding can I qualify for?
What can I use the funding for?
How do I get started?
Funding options and terms vary by business profile. There is no obligation to accept any offer.
A Smarter Way to Access Business Funding
Traditional lenders use rigid checklists. This process looks at the full picture.
Itβs Not One Lender or One Product
Instead of forcing your business into a single loan type, this process evaluates multiple funding options and matches you with what actually fits your situation.
Why it matters:
More flexibility. More opportunity. Fewer dead ends.
Your Business Is Evaluated Holistically
Banks often focus on one number. This process considers revenue, time in business, structure, cash flow, and overall business profile.
Why this matters:
Strong businesses donβt always have perfect credit, and this approach recognizes that.
You Stay in Control of the Decision
You review available options before making any commitment. Thereβs no obligation to accept anything and no pressure to move forward.
Why this matters:
You choose what makes sense for your business, not what someone is trying to sell.
Speed Without Guesswork
By reviewing the right information upfront, decisions can happen faster without cutting corners.
Why this matters:
Less waiting. Less uncertainty. Clear next steps.
This process is designed to give business owners clarity, options, and confidence, not confusion.
Businesses Funded. Real Results. Real Owners.
Robert - Service Business
Funded $34,557.60 to stabilize cash flow and cover operating expenses.
The process was smooth and handled professionally.
Maria - Healthcare Facility Owner
Secured $210,000 in funding for a residential home healthcare facility.
Structured correctly and funded without delays.
Daniel - Auto Repair Shop Owner
Approved and funded $25,000 to expand operations and equipment.
Straightforward process with real results.
Results vary based on business profile, credit, and revenue.
What If Youβre Not Ready for Funding Yet?
If youβre not quite in a position to qualify for funding right now, The Credit Code shows you how to get there.
From improving personal and business credit to building a fundable business profile, this guide provides a clear roadmap to position yourself for future funding success.
Start building your path to business creditworthiness today.
Not Ready for Funding Yet? Start Here.
Learn how to build business credit the right way so you qualify when it matters.
Get Your FREE Guide Now
Learn how strong business credit can fuel your companyβs growth.
Start Building Business Credit the Right Way
Learn the steps lenders actually look for.
Start Building Business Credit