A mid-term loan in the form of unsecured cash, Gap Funding are designed for borrowers who don’t meet the stringent income verification requirements of conventional loans. These programs require no collateral, only a personal guarantor. Borrowers can use the funds freely for any purpose, making them particularly attractive for real estate investors.

Requirements for Gap Funding / NINA Loans:

• Minimum 650 Credit Score: Borrowers should have a credit score of at least 650.
• Limited Recent Inquiries: No more than 6 inquiries on the credit report in the last six months.
• Active Trade Lines: Borrowers must have at least 3 open and active trade lines.
• No New Lines of Credit or Revolving Accounts: Avoid opening new lines of credit or revolving accounts in the last six months.
• Stable Employment History: A minimum of 6 months at the same job with 1 year of continuous W-2 employment history.
• Retirement or Disability Income: Annual income of at least $27,000 from retirement or disability sources.
• Credit Usage Ratio: Ideally, borrowers should use no more than 60% of their total available credit.
• Bankruptcy Discharge: Any bankruptcies must have been discharged 2 or more years ago.
• Age Limit: Borrowers must be 72 years of age or younger.

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Instant Approval Business Loans: Up to $20K in 10 Minutes!

Are you a small business owner? Need quick funding to fuel growth? Look no further! Our hassle-free process ensures instant approval for loans ranging from $300 to $20,000. Here’s why you’ll love us:

Fast & Easy: Apply online in minutes.  Flexible Terms: Choose repayment options that suit your business.  No Collateral Required: Get funds without pledging assets.  High Approval Rate: We support businesses generating $3,000+ monthly revenue.

Eligibility Criteria:

• In business for at least 3 months
• Monthly revenue of $3,000 or more

These Industries are great for us to fund:

• Retail: Includes clothing stores, supermarkets, electronics shops, and more.
• Hospitality and Tourism: Hotels, restaurants, travel agencies, and theme parks.
• Health and Wellness: Gyms, spas, nutrition products, and fitness classes.
• Entertainment and Media: Movie theaters, streaming services, music, and gaming.
• Automotive: Car dealerships, repair shops, and rental services.
• Fashion and Beauty: Clothing brands, cosmetics, and salons.
• Home Improvement: Furniture stores, home decor, and appliance retailers.
• Food and Beverage: Cafés, bakeries, fast food, and grocery stores.

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- No Prepayment Penalty

- Monthly Payments Available

- Reports to Business Credit Bureaus

- 1 - 2 Year Terms

- Refinance Up to 2 MCAs

Qualifications

- 2 Years in Business

- $25,000 Deposited Monthly in Business Bank Account or $300,000 Annual Sales

- 660+ FICO Score

- No BKs/Liens/Foreclosures in last 3 Years

- U.S. BUSINESSES ONLY!

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Business Growth Loans For Low Credit Scores 

• Business Duration: At least 4 months in operation.
• Geographic Location: The business must be located in the USA or Canada.
• Monthly Revenue: The business should have a minimum of $5,000 in monthly revenue (based on four deposits per month).
• Owner’s Credit Score: Acceptable credit scores start at 550 or above.
• Business Bank Account: Having a business bank account is essential

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Business owners have access to flexible financing options, including Conventional Loans and preferred SBA Financing. These financing solutions cater to various business needs, such as:

• Commercial Real Estate: Purchase or construct commercial properties.
• Business Acquisition or Startup: Buy an existing business or start a new venture.
• Working Capital: Obtain funds for day-to-day operations.
• Expansion: Open a new location or expand your current one.
• Debt Consolidation: Combine existing debts or merchant cash advances.

We go beyond traditional lenders and consider borrowers who may have faced challenges elsewhere:

• Credit Issues: Even if you’ve been turned down due to credit problems, we’re here to help.
• Limited Collateral: Don’t let collateral limitations hold you back.
• Financing Barriers: Overcome other financing obstacles with our solutions.

Key Features of Our Financing Options:

• Loan Amounts: From $250,000 to $15 million.
• Nationwide Coverage: Available across the USA.
• Minimum Credit Score: 650 or higher.
• Competitive Interest Rates: Get favorable rates.
• Monthly Payments: Manageable monthly installments.
• Loan Terms: Choose from 5 to 25 years.
• Flexible Underwriting: Tailored to your unique situation.
• Eligibility: Most businesses qualify.
• No Prepayment Penalties: Pay off your loan early without penalties.
• Expedited Funding: Swift processing for urgent needs.

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Business Line of Credit:

Access Funds When You Need Them

A business line of credit provides you with access to funds up to your credit limit. You can borrow and repay multiple times, paying interest only on the amount you use. It’s a flexible and typically unsecured way to secure financing for various business needs, especially for seasonal businesses or those managing cash flow and unexpected expenses.

Pros:

• Flexible Borrowing: Use funds as needed, without rigid repayment schedules.
• No Collateral Required: Typically, no assets need to be pledged as security.

Cons:

• Maintenance Fees or Withdrawal Fees: Some lines of credit may have associated fees.
• Credit and Revenue Requirements: Good credit history and consistent revenue are essential.

Best Suited For:

• Short-Term Needs: Cover immediate expenses or seize opportunities.
• Seasonal Businesses: Manage cash flow during peak and off-peak seasons.

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• Simple Application: Our quick 15-second online application connects you with offers within minutes.
  
• No Minimum FICO:Bad credit? No problem! Most of our top financing options don’t require a minimum FICO score.
  
• Larger Amounts:Matched with the best financing options offering the highest funding amounts.
  
• Same Day Funding:Our Fintech Speed ensures swift underwriting and same-day funding.
  
• Additional Eligibility Criteria:Average monthly deposits over $20,000.
  Minimum FICO of 650 (required for loans of $15,000+).
  At least 6 months in business.
  

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Looking to kickstart your business? Our start-up funding options have got you covered:

• Loan Amount: Access funds ranging from $1,000 to $500,000+.
• Fast Approval: No minimum credit score required (but a 650+ score ensures speedy approval).
• Competitive Rates: Get financing at competitive interest rates.
• No Collateral Needed: Unsecured funding means no collateral required.
• Streamlined Underwriting: Simplified approval process.
• No Revenue Minimum: Even if your revenue is low, you’re eligible.
• No Time in Business Requirement: Start-ups are welcome.
• Most Business Types Eligible: We cater to diverse industries.
• Nationwide Coverage: Available across the entire USA.
• Same-Day Funding: Swift access to capital for urgent needs.

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What Could $200k Do For You?

Unlock the lowest repayment rates and premium funding options available exclusively for top-performing businesses. Our Select Funding is designed to provide the best funding pricing for highly qualified businesses, ensuring you get the funding you need to grow and thrive. 

Approval Offers and Funding Deposited to Your Bank Account in Just One Business Day

Qualification Criteria:

• 3+ Years In Business
• $100,000+ Monthly Sales
• 700+ FICO Score

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Business Loans: Up to $1,000,000: Access substantial capital for your manufacturing, healthcare, or restaurant business.
Maximum Payback Term of 36 Months: Flexible repayment options to suit your needs.

Merchant Cash Advances :Up to $150,000: Quick funding for urgent needs.
Maximum Payback Terms of 12 Months: Short-term financing solutions.

Revolving Business Lines of Credit: Available: Maintain ongoing access to funds.
Fast Approvals : Get the financial support you need without delay.

Remember to verify your specific industry requirements on our website when applying!

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Working capital loans provide essential funding for business owners to manage their day-to-day operations. Whether it’s covering payroll, purchasing inventory, or expanding your business, these loans play a crucial role in maintaining financial stability.

Key Features:

• Loan Amount: Starting from $10,000 and up.
• Flexible Terms: Loan terms vary based on your specific needs, with a maximum term of 10 years.
• Minimum Credit Score: A credit score of 630 or higher is typically required.
• Business Experience: You should have at least two years in business.
• Required Documents:Completed Application.
  Two years of business tax returns.
  Two years of personal tax returns (in some cases).
  Year-to-date Profit and Loss statement (P&L).
  Balance Sheet.
  Debt Schedule.
  Valid ID.
  

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Cannabis Funding in states where cannabis is deemed legal:

1. Minimum FICO Score: You’ll need a FICO score of 680 or higher.
2. Monthly Revenue: Your business should generate monthly revenue between $40,000 and $50,000.
3. Business Experience: You must have been in business for at least one year.

Why Traditional Banks Avoid Cannabis Businesses:

The struggles faced by cannabis firms in obtaining financing through traditional banks stem from several factors:

1. Regulatory Uncertainties: The cannabis industry operates in a complex regulatory landscape. Federal prohibition and varying state laws create uncertainty for financial institutions.
2. Legal Constraints: Marijuana remains illegal at the federal level under the Controlled Substances Act. Federally insured banks cannot knowingly accept funds from cannabis-related activities.
3. Risk Aversion: Banks prioritize risk management. Due to the legal ambiguity and potential reputational risks, many traditional banks avoid

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Complete this short form to get a clear understanding of what you will be asked by our underwriting team. Also, there may be other lenders available to provide a higher loan amount than what's listed. 

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