Your Source for Commercial Financing

Unsecured Business Line of Credit - Use for Expansion, Debt Consolidation or Working Capital

Every successful business owner knows you need cash to fuel your company's growth.  And yet, the options for getting the money you need are often limited and each have their own drawback:

Have you already tried these methods of finding commercial funding?:

 1. You could borrow money from family and friends.  Ouch, who really wants to do this when it could potentially harm a relationship?

 2. Or you could use your personal credit cards to fund your business.  Ask us how often we work with business owners who have been turned down

     for commercial financing because their revolving credit balances and percentages are so high which then lower their personal credit score

     too low for the bank.

 3. A Merchant Cash Advance is a option for short term opportunities, not the way to fund long term business growth.

 4. Apply for a SBA loan.  In exchange for more favorable bank terms, these loans can involve months of paperwork and a government agency

     reviewing your business plans, personal tax filings and life resume.

So why not go straight to your bank?   It's the best option for you ... but wait, let's review some industry norms before you decide to do that by yourself.  Industry statistics report that over 70% of US businesses don't qualify for bank financing.  Denied.  Many well prepared business owners with excellent credit are stunned when their request for commercial funding is turned down.  And, after you apply at a few more banks by yourself, your credit report may see that you've applied at several banks which is viewed negatively and more turn downs, regardless of your credit rating or time in business.

Normally, unsecured lenders change their underwriting guidelines and have very strict approval requirements compared to other types of secured credit such as commercial real estate, equipment or vehicle funding.  That's because, if you default on the unsecured line of credit, there's no collateral for the lender to foreclose or repossess.  Dealing with the unsecured lender by yourself can be a frustrating experience; now let's review a better way!

Choosing Your Business Financing Professional

When seeking assistance in dealing with the unsecured lender, where do you start and whom can you trust? There are literally hundreds of firms willing to charge you a sizable up-front fee while assuring you of a very large credit line.  Our clients prefer a different approach.

Once we receive your application, we get to work with you one-on-one. Together, we identify any potential problems that may get in the way and suggest action steps to fix each issue that may keep you from getting approved.  We give you straight answers with no run-around. Once your package is is ready, we introduce you and your request to the network of unsecured lenders we believe are prepared to approve an unsecured business line of credit for your company profile, location and situation.

An unsecured business line of credit is probably the most valuable financial tool a small business owner can have. The unsecured business line of credit works like a huge credit card, but it has the added benefit of check-writing access and lower interest rates than most business credit cards.

The Lenders in our Network focus on your Credit History and (if available) Business Financials to make their decisions, and the stronger your Credit History, the less documentation you will need to provide. If you have High Credit Scores above 700 FICO our Lenders will rarely ever require any Income or Asset documentation.

Our expertise is in the complete and correct preparation of your application package so it gets approved the first time within our extensive network of financial institutions that are willing to finance your particular type of business. We make it easy for you, so don't waste time and apply right now!

Along with your online application information, we'll ask that you complete and fax us a signed form authorizing us to verify your credit.  Also, please complete and return a personal financial statement

Individual Credit Authorization

SBA Format - Personal Financial Statement

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Revised: July 10, 2008