Overview

We help arrange short-term small business loans using the merchant’s cash flow a as the main underwriting criteria.

 Key Benefits

• No upfront fees
• Quick approvals - Fast fundings - Within days!  
• Unsecured loans-no collateral required
• This is not a merchant cash advance
• Credit scores allowed down to 400
•  Expert service and support

 Criteria

•  Monthly gross business revenue$10,000+
• Minimum 3 months in business
• Operate a store-front or internet business in the U.S., Canada or Puerto Rico
• Have a personal credit score 400+
• Tax liens or even past bankruptcies in the last year will not disqualify approval

 Eligible Business

Pretty much all businesses except financial institutions and law firms.

 Loan Parameters

- Amounts - $5,000 -$2,000,000

-  Terms - 3 to 24 months

-  Fixed interest rates

-  Fixed payment – daily auto-payment from merchant’s business account

-  No prepayment penalty-Early pre-payment bonus (to merchant)

 Cost of Funds

-  This varies depending upon the merchant’s monthly gross sales, how long they have been in business and other factors.

 Process

-  A simple one page application is completed by the broker or merchant along with last 3 months of bank statements. In some cases other information may be required.

 Time Frame

-  Our simple application only takes a couple of minutes to complete and typically 48 hours for an answer. If approved, the funds will be wired into the client’s bank account in just a few days.

We work with a number of funding resources that specialize in small business lending that are able to deliver funds directly into the merchant’s account, in a matter of days, not weeks or months. Unlike traditional small business loans from banks,our loans do not require in-depth financials, tax returns, a solid credit history or even collateral. We are interested in how the business is doing today and where the business projections will lead the merchant tomorrow.