Business Funding
Capital Stacking / UNSECURED BUSINESS FUNDING
Forget the hassle of collateral or high cash flow for business loans. Introducing our game-changing Unsecured Business Financing (UBF), also known as Capital Stacking!
With UBF, you can access up to $200,000 in unsecured credit lines. No need for collateral, bank statements, tax returns, W2s, or pay stubs. It’s a true no-doc loan!
Pre-Qualify Now:
- 680 Credit Score
- No proof of income
- Max 5 accounts opened in 24 months
- No late payments in 12 months
- Max 4 inquiries in 6 months
- No bankruptcy in 10 years
- 2+ year old credit card with a $2500+ limit
- No unpaid collections or charge-offs
Here’s the best part – we can get you approved for 3-5 times what you could get alone!
Expect approval for about 5 revolving business credit card accounts. These report to business agencies like Dun & Bradstreet, not your consumer credit report, so your personal credit stays intact. Plus, they build your business credit, making you more lendable.
All cards offer 0% rates for 9-18 months, sometimes even up to 24 months. That’s up to two years of borrowing money at 0% interest!
This top-tier funding program is easy to qualify for, not widely known, and you get your money in 4 weeks or less. The funding source charges a one-time success fee of just 9.9% of the total funded amount, payable after you get your credit lines. You can even use your new credit to cover the fee, so there’s no money out of pocket!
Get ready to boost your business with UBF!
Unsecured Business Funding (UBF) A.K.A. Capital Stacking, is one of Best Investor Loan’s most popular loan options. It’s the easiest to qualify for and is often the first step in obtaining and building business credit. UBF does not require proof of income, making it the perfect choice for start-ups. No industry restrictions, can be used for GAP funding for some real estate transactions.
Requirements:
Requirements:
- 680 Credit Score
- No proof of income required
- No more than 5 new accounts opened in the past 24 months
- No late payments in past 12 months
- 4 or fewer inquiries in past 6 months
- No bankruptcy in past 10 years
- 2+ year old credit card with a limit of at least $2500
- Free of unpaid collections or charge-offs
BENEFITS:
- Funding Limit: $150,000+
- Funding Form: Business/Personal Credit Cards Funding Timeline: 4 Weeks
- Rate: 0% interest for the first 12-24 months. After that interest varies based upon credit profile
- Fee: 9.9% Success Fee
- Cards can be liquidated up to 80%
Hybred Business Funding
This funding opportunity involves combining personal term loans with an existing Unsecured Business Funding (UBF) arrangement, a practice known as Capital Stacking.
Applicants should have a stable W2 job providing a provable income.
This option is ideal for individuals seeking maximum funding in a timely manner.
It’s important to note that term loans, being on the personal side, will impact personal credit scores.
This is the best of both worlds. Business credit with personal term loans stacked on top! No industry restrictions, can be used for GAP funding for some real estate transactions.
Requirements:
- 680 Credit Score
- No proof of income required for biz credit, to stack personal term loans does require income verification
- No more than 5 new accounts opened in the past 24 months
- No late payments in past 12 months
- 4 or fewer inquiries in past 6 months
- No bankruptcy in past 10 years
- 2+ year old credit card with a limit of at least $2500
- Free of unpaid collections or charge-offs
Benefits:
- Funding Amount: $250K+
- Funding Form: Credit Cards/Term loans
- Funding Timeline: 2-4 weeks
- Rate: 0% interest for 12-24 months on the business credit. On personal term loans 5.25+
- Terms: 3,50r7years on term loans
- Fees: 9.9% Success Fee
Business Lines of Credit
A revolving business line of credit offers flexibility by letting you pay only for the funds you use. After repayment, the amount becomes available again, providing a versatile financial solution.
This option caters to a wide range of business owners and comes with a maximum limit of $250,000.
This is NOT Merchant Cash Advance.
Funding amounts are based on 1-1.5 times your monthly gross revenue.
To qualify, you’ll need to submit 6 months of bank statements and complete a straightforward 60-second application.
An important advantage is that this credit line won’t have any impact on your personal credit. This makes it a convenient and separate financial tool for your business needs.
A Business Line of Credit (LOC) provides flexibility for the business owner. Rather than a fixed amount issued at once, funds can be accessed when needed. Funds are made available as soon as any previous balance is paid.
Requirements:
- $30K+ monthly gross sales
- At least 1 year in business
- 600 min FICO
- Clients typically qualify for 1- 1.5X monthly gross
Benefits:
- Funding Range: up to $250,000.
- Funding Form: Line of Credit.
- Funding Timeline: 3+ Days.
- Rate & Terms: Varies upon credit profile.
- Fee: Determined based on deal.
Debt Restructering
We are not acquiring additional debt; instead, we focus on existing Merchant Cash Advance debt.
Our approach involves restructuring by diminishing the daily or weekly payments, thereby reducing the principal amount owed.
There are no upfront fees involved; instead, the success fee is incorporated into the client’s repayment plan.
This solution is particularly beneficial for individuals on the brink of bankruptcy due to Merchant Cash Advance debt.
It’s an ideal option for those seeking to consolidate high-interest loans.
Additionally, clients can leverage this strategy to qualify for more favorable low-interest term loans and lines of credit in the future.
Perfect for the client that is drowning under the weight of high interest Merchant Cash Advance Loans (MCA).
- Does not add any debt, not a new loan.
- Takes existing debt and restructures it into a manegable solution.
- For example: A client is making weekly payments of $10K. and has a balance of $200K. The debt can restructured to lower the payments to $2500 a week and reduce the principal to perhaps $125K.
This program can be life-saving for struggling business owners.
Merchanget Cash Advances
Also known as MCAs, these financial tools prove beneficial for clients boasting solid revenue but grappling with credit score challenges.
The repayment structure involves daily or weekly deductions directly from the client’s bank account, streamlining the payment process.
It’s important to note that this financing option is most suitable for clients with a viable means of repayment.
A prime example is a construction company that, despite having challenged credit, consistently generates substantial income from its projects.
An MCA might not be the ideal solution for clients who are currently struggling to stay financially afloat.
A Business Line of Credit (LOC) provides flexibility for the business owner. Rather than a fixed amount issued at once, funds can be accessed when needed. Funds are made available as soon as any previous balance is paid.
Requirements:
- $25,000+ monthly income.
- At least 1 year in business.
Benefits:
- Funding Range: up to $5,000,000
- Funding Timeline: Same day funding
- Rate: Varies upon credit profile
- Fee: Determined based on deal
- Terms: 6-24 month
Business Term funding
Client eligibility requires the submission of 6 months’ worth of bank statements.
This funding opportunity is best suited for clients with substantial revenue, specifically a minimum of $20,000 per month.
The funding amount is directly proportional to the revenue generated, with the potential to receive up to $5 million.
Funds can be utilized for various purposes, such as acquiring other businesses, securing working capital, or facilitating expansion.
This option is particularly beneficial for restaurant chains, construction projects, and more.
It is an excellent alternative for clients who may have faced rejection from traditional banking institutions.
Similar to traditional bank style financing, a Term Loan is a set amount that the borrower pays back at a fixed amount. Commonly used for: business expansion, working capital, and equipment purchases.
Requirements:
- Minimum income of $255,000 annual
- Minimum of 2 years in business.
- Minimum FICO 660.
- No Bankruptcy in past 3 years.
Benefits:
- Funding Range: $10,000-$5,000,000.
- Funding Timeline: 3+ Days.
- Rate & Terms: Determined case-by-case.
1 to 2 year terms. - Fees: Determined based on deal.