We Can Help You Secure $50k-$150k+ in Business Funding! 

We offer a variety of business funding solutions that allow established businesses to secure the business funding that they need to fund and grow their business. Whether you need to make an equipment purchase, purchase retail or office space, or just hire new employees - WE'VE GOT YOU COVERED!

We offer 4 Types of Business Funding Programs to Service Your Specific Needs and they Are:

TERM LOANS

SBA LOANS 

UNSECURED LOANS

MERCHANT CASH ADVANCE 

TERM LOANS

The term loan is a great solution if you have a 680 ++ FICO score are looking for a significant amount to fund -we approve up to 20% of your gross revenue. 

This loan does have Personal Guarantees - which is why it offers a low-interest rate. 

Benefits: 

Annual Interest Rate starting at 5.5% 

 Terms are 1 to 5 years 

 Monthly Payments 

 No Prepayment Penalty 

 Use of funds for growth of the business and to refinance current business loans, equipment loans, and business credit cards 

 Funding in 5 to 10 days (from start to finish) 

 Funding Amount $50,000 up to $500,000 

 


Requirements: 

 680 ++ FICO Score with good loan to debt ratio (not maxed out on debt) 

 No bankruptcy in the past seven years 

 Net income on tax returns - at least 1 of the last two years should be profitable 

 Minimum 3 years in Business 

 Need all owners that are 19% or more on Application 

 No Sole Proprietorships 

 Tax Liens in the past 3 years’ total must be less than $1,000 and must have a payment plan. 

 Tax liens filed within past ten years (but not in the last 3 years) must be less than $5,000 outstanding. 

The Application Process: 

Contact us at info@getyourcreditperfectnow.com or (800) 767-0214 to request an application. 

 Complete & Sign Application - individual application needed for each owner over 19% or more 

 6 Months Business Bank Statements 

 Business Tax Returns - 2 years (if most recent Tax Return is not ready then also include Year to Date P&L) 

 Personal Tax Return - 1 year (most current for all owners) 

 Business Debt Information - we will email you for this information 

 As soon as we receive your application and ALL of the necessary supporting documents, we will have a pre-approval for you within 72 hours of your request. Incomplete submittals will create a delay in approval. We will then reach out to you with additional items needed, if any. Funding can be completed within 5 to 10 days. 

SBA LOAN

The SBA loan is a great solution if you have a 680++ FICO score and are looking for a large amount to fund since we get you approved with up to 20% of your gross revenue. The SBA loan is also a great solution if you are looking for small monthly payments since this business loan goes out ten years. 

Our primary lender has a SBA Quick Start Loan which they can fund in 7 days (with all paperwork submitted). This loan does have Personal Guarantees - thus the low-interest rate.

Benefits: 

Interest Rate of 6.25% to 7.25% (variable and based on the Prime Rate plus 2.75% to 3.75%) for working capital 

Interest Rate for Real Estate Loan is Prime + 1.5% 

Terms are ten years 

Monthly Payments 

No Prepayment Penalty 

Use of funds for growth of the business and to refinance current business loans, equipment loans, and business credit cards. You can also purchase Real Estate for the Business. 

Funding in 7 days if all paperwork is submitted right away. Typically, 4 to 6 weeks from start to finish

Funding Amount $100,000 up to $350,000 for working capital 

Funding Amount $350,000 up to $5M to purchase Real Estate for the Business

Requirements: 

680 ++ FICO Score with good loan to debt ratio (not maxed out on debt) 

Sufficient business and personal cash flow to service all debt payments. 

No bankruptcies, judgments, or foreclosures in the last three years No collections or open tax liens 

Current on any government loans 

Minimum 3 years in Business 

Need all owners that are 20% or more on Application No Sole Proprietors 

Secured with a Blanket Lien on the Business Assets plus Personal Guarantees

The Application Process:

Complete & Sign Application - Contact us at info@getyourcreditperfectnow.com to request an application. (Each owner with over 20% ownership must complete an application.) 

Business Tax Returns - 3 years with interim P&L 

Personal Tax Returns - 3 years (all owners over 20% ownership) 

Business Debt Information - we will email you for this information

UNSECURED LOAN

An unsecured loan is a great solution if you have 550, 650 or 700 + FICO score and are looking for between $10,000 up to $2M in funding. We can go up to 10% of your gross revenue. 

 This is also a great solution if you are looking for a simple and quick funding solution with no traditional personal guarantees, collateral or assets. These unsecured loans are short term loans of 5 months up to 21 month terms with early payoff discounts and renewals after 50% has been paid back.

Benefits: 

Rates start as low as $1.18. For example, for every $10,000 borrowed the flat fee interest payment is $1,800. After the tax write off the real cost is $1,170 at the thirty-five percent bracket. 

Quick, Simple and Easy with very minimal paperwork 

Terms from 5 months up to 21 months 

Weekly or Daily Payments 

Early Payoff Discount 

No Prepayment Penalty 

Does not report to your personal credit report 

We do report positive payments to business credit 

Use of funds for anything that is Business related 

Funding as quick as 24 to 48 hours 

Funding Amount $10,000 up to $2 Million 

Renewals after 50% paid back. We continue to increase amounts and give you better rates with each renewal once you have established a relationship with us. 


Requirements: 

Minimum 550 FICO Score - special programs for scores 650+ and 700+ 

Minimum 1 year in business 

Minimum $150K gross revenue 

We could pay off 1st and 2nd position loans or go behind them as a 3rd position 

Current on rent or mortgage 

Liens up to $200K on payment plan. We consider lower lien amounts without a payment plan. Case by case.

The Application Process: 

Contact us at info@getyourcreditperfectnow.com or (800) 767-0214 to request an application. 

Complete & Sign Application - Contact us at info@getyourcreditperfectnow.com to request an application. 

Bank Statements - 3 most current months.

MERCHANT CASH ADVANCE

Our Merchant Cash Advance is a great solution if you have: 500, 650 or 700 + FICO score and are looking for between $10,000 up to $2 M in funding.

We go up to 13% of your gross revenue. 

This is also a great solution if you are looking for a simple and quick funding solution with no traditional personal collateral or personal guarantee. 

Payback is a small percentage of your credit card sales every time you batch (known as the holdback) - therefore it is easier on your cash flow since your payback is less on slow days and more on busier days. 

 This is perfect for those that accept credit cards and don't want a fixed payment.

Benefits: 

Rates start as low as $1.18 For example, for every $10,000 borrowed the flat fee payment is $1,800. 

Quick, Simple and Easy with very minimal paperwork 

Payback is a small percentage of your credit card sales. You don't need to change your merchant processor - we can batch though ACH or if your merchant processor is on our long list of approved providers we can split fund. 

Variable payback - pay less on slow days and more on busier days 

Does not report to your personal credit report Use of funds for anything that is Business related 

Funding as quick as 24 to 48 hours 

Funding Amount $10,000 up to $2 Million Renewals after 50% paid back. We continue to increase amounts and give you better rates with each renewal once you have established a relationship with us 

Special programs for Restaurants, Retail Stores, Liquor Stores, Auto Repair and Healthcare 

Good program for those that have too many NSF's and low average bank balances on their bank statements that may not qualify you for a business loan 

Requirements: 

Minimum 500 FICO Score - special programs for scores 650+ and 700+ 

Minimum 1 year in business 

Minimum $150k gross revenue 

We could pay off 1st and 2nd position loans or advances 

Current on rent or mortgage 

Liens up to $200k on payment plan. 

We'll consider lower lien without payment plan. High volume credit card transactions daily

The Application Process: 

Complete & Sign Application - Contact us at info@getyourcreditperfectnow.com to request an application. 

Bank Statements - 3 most current months 

Merchant Statements - 4 most current months

Do you need higher limit approvals over $50,000 to start or grow a business? 

If So, Consider our Business Credit/Business Funding programs

You can learn more about our Business Funding Mentor program that can get you approvals from $50,000-$100,000+, by visiting the link below.