Term loan
Our Term Loan option is a fast funding product and approvals are handled within 24 hours of applying.
We offer small business loans that often have less restrictive approval criteria than traditional bank loans.
This product acts like a traditional bank loan with lower APR and longer terms.
Term Loan Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
650+
$10,000 – $5,000,000
1 – 5 Years
1 Year+
As Little as 24 Hours
Working Capital
Working Capital is a general term for commercial financing. We offer a wide variety of products and constantly look to add to our program offerings.
We recognize that all business owners need an injection of capital at different times and for different reasons to keep the business running and growing.
Working Capital Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
450+
$2,500 – $5,000,000
3 Months – 5 Years
3 Months
As Little as 24 Hours
Line of Credit
A Business Line of Credit is a determined credit limit that is extended to the borrower.
Business owners can benefit from purchasing a credit line as it gives them access to a stream of capital to help with cash flow, operational expenses, and additional costs that come with running a business.
Line of Credit Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
600+
$3,000 – $250,000
6 – 18 Months
6 Months
As Little as 24 Hours
Equipment Finance Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
620+
$3,000 – $500,000
3 – 36 Months
3 Months
As Little as 24 Hours
Hard money loan
Hard Money Loans or Fix and Flip Construction Financing are a fast funding option that offers few approval requirements and flexible repayment terms.
The funding option is reserved for Real Estate Developers that specialize in acquiring properties, making enhancements and improvements, and selling the property for a nice profit.
Hard Money Loan Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
600+
$60,000 – $5,000,000
12 Months – 30 Years
3 Months
As fast as 3 Days
Commercial Real Estate
Commercial real estate loans are ideal for businesses looking to either purchase, develop or construct new property as well as current commercial property.
The way it works is businesses can apply for this type of financing in order to secure a loan which itself is secured by liens on the commercial property.
This loan can cover expenses such as refinancing or renovations needed on current business real estate in addition to covering new real estate property.
Real Estate Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
680+
$75,000 – $2,000,000
5 – 20 Years
2 Years
2-3 Weeks
Asset Based Loans
Asset-based loans allow businesses access to working capital through a loan secured by assets that the business has.
This means that for this type of loan, the lender is collateralized with an asset (or assets) of the business borrower.
Ultimately, this can allow for lower rates as this type of financing is considered less risky compared to unsecured lending. It is important to note that the more liquid the business asset is, the less risky the loan may be considered which can possibly mean lower rates.
Asset Based Loan Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
620+
$50,000 – $10,000,000
6 – 36 Months
2 Years
2-3 Weeks
Reverse Consolidations
Reverse Consolidations are for business owners who are currently overleveraged by existing Merchant Cash Advance positions.
Reverse Consolidation is not Loan Consolidation or Debt Restructuring, it is to help business owners who can’t afford multiple ongoing daily or weekly MCA payments.
Consolidation Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
550+
$3,000 – $1,000,000
6 – 18 Months
3 Months
As little as 24 hours
Merchant Cash Advance
Merchant Cash Advance Funding is a fast way to get access to working capital for your business. MCAs can fund within 24 hours after the application is submitted.
The advance is an expensive funding option but provides the convenience of fast funding, minimal approval criteria, and doesn’t require collateral; making Merchant Cash Advance Funding is a nice alternative to SBA Loans.
MCA Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
450+
$2,500 – $1,000,000
3 – 24 Months
3 Months
As Little as 24 Hours
SBA Loans
While partially guaranteed by the government, SBA loans help business get access to working capital while securing a low interest and long repayment term.*
A SBA Loan is a small business loan program administered by the Small Business Administration and is partially guaranteed by the government. Most businesses seeking working capital to purchase inventory, operate or expand a business, payroll needs, or new marketing endeavors, can benefit from a SBA Loan.
SBA Loan Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
680+
$500,000 – $5,500,000
1 – 30 Years
2 Years
1-2 Months
SBA EIDL Loan Help
The EIDL Loan is a 3.75% loan directly from SBA that must be repaid over 30 years, to help overcome the effects of the pandemic by providing working capital to meet operating expenses.
This loan is based off of 2 years of gross receipts, used for working capital to make regular payments for operating expenses, including payroll, rent/mortgage, utilities, and other ordinary business expenses, and to pay business debt incurred at any time (past, present, or future). Payments are also differed for 2 years).
Some applicants have been denied and don't realize that there are reconsideration options, as well as an increase available for applicants that were already approved. We are here to help you get the funding you need!
EIDL Applications and Reconsideration are no longer available. This program has ended.
EIDL Loan Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
570-625+
Up to $2,000,000
30 Years
2 Years+
Several Weeks
Did you get denied for an EIDL loan? Or was only approved for a small amount that wasn't enough?
There are reconsideration options as well as loan increase options. It might be that you are completing the forms incorrectly, have a low credit score or the SBA is unable to verify your identity. We are here to lead you in the right direction to help you get the funding you need during this sporadic time.
PPP Forgivness Help
Received PPP Funding for your business?
You might not have to repay it with our simple PPP forgiveness application.
Complete the form below to see if you qualify for full forgiveness.
All you need is your Tax ID, promissory note/loan number and we can aid you in the forgiveness process.
PPP Forgiveness Criteria
Fico Score
Amount Forgiven
Term Length
Time in Business
Forgiveness Process
No score required
Full PPP loan Forgiveness
2 – 5 Years
2 Years +
Several Weeks
Loan Modifications
If you can't afford your current mortgage due to a financial hardship, and you want to stay in your home, we may be able to change certain terms of the loan.
There are 2 ways to lower your monthly payments:
-
Refinancing: You can refinance your loan to secure a lower monthly payment.
-
Loan modification: You can approach your current lender to discuss modifying your loan to secure a lower monthly payment.
An example of a loan modification we have done consists of a $10k monthly mortgage that was modified to $3k monthly. The homeowner was able to keep their home and lower the payment down $7k lower.
For a small monthly fee, we can represent and modify your mortgage, whether it be the length of repayment, interest rate or other terms. We want to help you keep your home and make it affordable!
Loan Modification Quote
Credit Repair
You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That's because more and more businesses are using your credit to make decisions about you.
We are known for removing inquires, collections, charge off's, judgements, repossessions, late payments, Foreclosures/Evictions, Tax liens, Bankruptcies, medical bills, identity theft and student loans.
Complete our short form to get a personalized quote and repair your credit!
Credit Repair Criteria
Looking for a higher credit limit, a loan or simply trying to buy a home but are getting turned down?
Credit is everything, and having a high credit score can help with the following:
-
Lower your insurance rates
-
Increase your credit limit
-
Buy a home/Rent an apartment
-
Buy a new car
-
Stop relying on co-signers
-
Open a business
Let us help you get financial freedom!
Lower Income Options
Do you earn less then $10k monthly and have no luck getting a business loan?
We have lower revenue options available with:
-No hard pull to your credit
-Daily and weekly repayment options
-Receive funds same or next day
-Early payment discount (Repay in 30-60 days for lower interest rate %)
-Draw more funds as you pay
Lower Income Criteria
Fico Score
Funding Amount
Term Length
Time in Business
Time to Fund
Perks
450+
$2,000 - $35,000
4-6 Months
6 Months
Same Day Funding
Lowered interest % if paid
in 30 -60 days
New York Grant
Do you own a business in NY State?
(Self employed/corp)
Did you lose 25% or more revenue in 2020
compared to 2019?
Were you in business for 2 years and have 2019 and 2020 taxes to prove the loss of revenue due to covid?
You may qualify for a
$5,000 - $50,000 Grant!
The NYS COVID-19 Small Business Grant was created to provide flexible grant assistance to currently small businesses, in the State of New York who have experienced economic hardship due to the pandemic.
New York Grant Criteria
Fico Score
Time in Business
Business in NY State
Lost 25% revenue in 2020?
(Compared to 2019 revenue?)
No score required
2 Years +
Yes
Yes
Grant awards will be calculated based on a
business’s annual gross receipts for 2019.
Annual gross receipts for 2019:
$25,000 – $49,999.99: Award is $5,000
$50,000 – $99,999.99: Award is $10,000
$100,000 – $2,500,000 Award is 10% of gross receipts
(maximum grant is $50,000)