WBL's collateralized loans offer advantages over unsecured loans for certain borrowers, often either providing funding where others cannot or offering much larger funding amounts with longer terms. WBL works with restricted industries, purchasers of businesses, business owners with poor personal credit, businesses with few monthly deposits, and is tolerant of NSFs.  WBL also offers the longest terms for 1st, 2nd, and 3rd positions available in the industry. If you have any questions, concerns, or potential files feel free to reach out to me at any time.

Use this link to get signed up as an ISO with WBL. Please click on the link and in the “WBL Account Executive that contacted you” section, please input my name, Joseph Emmons. ISO Approval: https://signnow.com/s/HqEDhezH


The following documentation is needed to approve a collateralized loan:


*                      When Pledging Real Estate please provide: copy of deed(s), if not fully owned, please provide most recent mortgage statement(s), and a copy of most recent property tax bill

*                      Application (Attached)

*                      The past 6 months of bank statements for all business bank accounts (all pages including those left intentionally blank)

*                      Asset list (Attached)

Collateralized Working Capital loan: 6-24 month term / daily or weekly payment / pre-payment discounts / collateralized


Aggressive Loan Amounts and Best Weekly Payments


(Approvals based on real-estate equity and 3-4x monthly deposits)


  1. 6 – 24 month business loans (Daily or Weekly payments)
  2. Loan amounts range from $25,000 to $2,000,000
  3. Existing mortgages & liens – okay; Real Estate doesn’t have to be free & clear
  4. No minimum credit score & recent bankruptcy discharges are okay
  5. Custom crafted loans; No cookie cutter, automated offers off-the-shelf
  6. WBL does not require pay-off of other advances; consolidation is the borrowers’ choice
  7. 10+ NSFs & less than 10 deposits – okay
  8. Co-signers with real estate may be utilized to qualify
  9. Work with restricted industries
  10. Stacked & Recent Advances – okay
  11. Defaulted Loans to other lenders – case-by-case

Joseph Emmons
Associate, Sales Manager

World Business Lenders
WBL California, LLC, a Licensed California Finance Lender and Broker


101 Hudson St, 33rd Floor
Jersey City, NJ 07302

Direct: (212) 220-3986
(646) 417-5866


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