Columns | SMB Loans

Unsecured Business Financing

Tax Return Loan

$50,000 – $350,000

Use your Gross Annual Income to get long-term unsecured funding for your business at low fixed rates. This will allow you to maximize your growth opportunities while still having the ability to repay early with no prepayment penalties.

Loan Features –

Fixed rates starting at 5.9%
Repayment term up to 7 years
Approval within a few hours
Get funds in 7 – 21 days

Qualify with –

FICO® score above 700
Show income above $8k/month
40% debt to income ratio or lower
Less than 10 credit inquiries
2 yrs of Tax Returns

Beyond The Numbers –

Loans available for any industry
Loan for business/personal use
No prepayment penalties
No loan collateral requirement
No P&L statements needed
Not Hard Money!

Unsecured Business Financing

Short-Term Loans

$10,000 – $1,000,000

In these uncertain times, business managers might be surprised with liquidity shortages. Utilize our short-term loan program to solve an urgent issue or take advantage of an opportunity with next-day funding and minimal docs. Simple. Fast. Easy.

Loan Features –

Rates as low as 8.9%
Funding within 24 hrs
Loan term 3 to 18 months
Short & Simple Application

Qualify with –

At least $8k/month Business Revenue
4 monthly Business Bank Statements
At least 9 months in business
FICO® score above 500
No past or open bankruptcies

Beyond The Numbers –

Loans available for most industries
No Loan Collateral requirement
No Cash Reserve requirement
No P&L Statements needed
No Tax-Returns needed
Get higher Credit Limit with Tax‑Returns
Not Hard Money!

Unsecured Business Financing

Business Lines of Credit

$10,000 – $250,000

Using our Business Line of Credit Program, you can borrow up to a maximum credit limit and only pay interest on the amount of capital that you borrow from your credit line. Excellent way to handle cash-flow gaps and build your credit score.

Loan Features –

Rates as low as 6.9%
Approval within a few hours
Get funds within 7 – 21 days
Repayment term 21-60 months
No Daily Payments

Qualify with –

FICO® score 680+
Max 9 credit inquiries in 6 months
Credit usage below 50%
No collections, no liens
No charge-offs, no bankruptcies
3-Bureau credit report

Beyond The Numbers –

Loans available for any industry
Co-applicants accepted
No loan collateral requirement
No P&L statements needed
No Tax-Returns or W2s needed
Not Hard Money!

Unsecured Business Financing

Merchant Cash Advance

$10,000 – $500,000

The ultimate, quickest, easiest way to get a Business Cash Advance with no collateral and/or weak credit scores. Our cash advance qualifications is simply based upon ongoing sales revenue deposited in your business bank account.

Loan Features –

Rates as low as 8.9%
Same day application approval
Funding within 24 hrs
Merchant Financing

Qualify with –

On track for $120k/yr Biz Revenue
At least 9 months in business
FICO® score above 500
4 monthly Business Account statements
No open bankruptcies allowed

Beyond The Numbers –

Funding for most industries
Use funds for Working Capital
No Loan Collateral requirement
No Cash Reserve requirement
No P&L Statements needed
No Tax-Returns needed
Get higher Credit Limit with Tax‑Returns
Not Hard Money!

Unsecured Business Financing

Bank Term Loans

$30,000 – $350,000

Get lump-sum capital to help your business expand or finance a specific one-off investment with no collateral required. Pay back funds along with fees over a set period of time. Good for financing Inventory, new equipment, Expansion, etc.

Loan Features –

Fixed interest rate from 6.9%
Fast approval within 24 hrs
Monthly repayments
2 – 5 year terms

Qualify with –

2+ years in business
680+ credit score
2 years of tax returns
On track for $100k/yr Gross Income
Max 40% debt to income ratio
No Bankruptcies in last 3 years
No tax liens

Beyond The Numbers –

Loans available for any industry
Funding within 2 Weeks
1 Page Application for pre-approval
No prepayment penalties
No loan collateral requirement
Not Hard Money!