Working Capital
For Small Business
Loans and Lines of Credit up to $1M. Access the money when you need it and only pay for what you use, without the need for collateral and without the stress to your cash flow!
Small Business Term Loans and Lines of Credit
Things like renovations, remodels, additional locations, equipment purchases, partner buyouts and more are not out of reach. Not anymore!
This Product is somewhere in between SBA and traditional financing and Merchant Cash Advance. Perfect as a bridge loan if business is trying to get conventional financing or an SBA loan while they are waiting for the funding to come in or they are looking for an alternative to an Merchant Cash Advance (MCA) loan
FUNDING
✓ Loans & Lines of Credit up to $1M
✓ Working Capital Loans
✓ Revolving Lines of Credit
✓ Flexible Payment Term Loans (up to 5 years)
✓ No collateral required
✓ No Tax or Financials review required
✓ Wide range of industries
✓ Early pay-off options
✓ Interest paid is tax deductible
✓ Bi-monthly and monthly paybacks
✓ Fast Approvals
REQUIREMENTS
✓ Min 2 years in business
✓ Min 1 month in business for preferred industries
✓ Min FICO Score 551
✓ Min $150K a year in gross revenue
✓ No open bankruptcy
✓ Can pay off up to 2 competitors
✓ Additional Financials may be required based on pre-qualification
What Makes Us Different
Have Some Questions?
Prepare appropriate documents (bank statements, personal credit reports, basic business information). After that, you consult with your dedicated financing advisor about available loan options and terms, after which you then apply for a business line of credit with Lending4biz.com
A business line of credit is a form of loan where you qualify for a certain amount and have the option to draw funds repeatedly without reapplying and pay interest on just the amount you draw.
GGet started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today! After identifying the best funding and credit options that are specific for your current business situation and receiving necessary documents (in most cases it is a one-pager loan application, 3-6 last months of business bank statements, consolidated FICO report), you will get funding offer(s), usually within 24hr-48hr (depends on funding solution)
BBeing entrepreneurs we understand importance of having appropriate financial support in right time for your business. We tirelessly work on maintaining and growing our financial solutions portfolio to provide you with short and long term funding and fill you with confidence in your present and future business operations.
We offer creative financial programs with significantly lower approval requirements compared with traditional bank loans, so our funding solutions are the fastest and easiest way to obtain the capital you need.
UUsually approval takes up to 48 hours. Approval time may vary depending on requested product, how quickly you provided required supporting documents and information, and amount of funding being requested. We value your time and vigorously requiring our lending partners to maintain fast and common-sense underwriting process.
This is a good solution for businesses to cover cash gaps with bridge cash while waiting for account receivables. Besides, it is a straightforward qualification if you are an established business and have consistent revenue.
Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!
Yes, you can use your EIN to apply for credit when you have established good standing business credit otherwise, SSN would be required as well.
EEach business is unique as well as your financial situation. That is why we work with multiple leading financial institutions to accommodate various scenarios and help small businesses to get support they need. Your dedicated advisor will go with you all the way to find the best possible solution for you and your business.
IIn our portfolio we have a seasoned lenders to finance a wide spectrum of industry groups in a variety of sectors from Dry Cleaners to Aerospace.
Though there may be some restricted industry types for specific financial product requested
YYour dedicated advisor will work with you to better understand your business needs (short term and long term). You will review provided funding options to determine which financing solution best suits your current business needs and make a final decision which one to take.
Get started requesting Your FREE Business Funding Plan or scheduling NO Obligation Call with Funding Advisor Today!
For financing options where you assume personal responsibility to repay the loan, your credit score would be affected while you draw the credit, but the score will get back and increase after you repay the loan.