Funding Requirements
W2 – Employees
Funding Details
$10,000 to $400,000 - Funded in as little as a week.
Approvals in As Little As 24 Hours
NO Upfront Costs. 15% Success Fee If Funded
No Down Payment, No Collateral, or No Reserves needed. Borrowers pay a 15% (15pts) fee if successfully funded
Term Loans 3-5-7 Year Terms with rates as low as 6% (for qualified borrowers). Lenders determine the interest rates, terms, and payments.
Monthly Payments of Principal and Interest.
REQUIREMENTS:
650+ Credit Scores. Must be reporting on all 3 credit bureaus.
2+ Years of Clean Credit History. No recent late payments, no judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.
No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit, Personal Loans, Refinances, Mortgages, etc.)
50% or Lower Revolving Debt
No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months
$30,000 Verifiable Income (W-2 Employees, Retirees)
1099’s, Sole Proprietorship, Single Member LLC, S-Corps, C-Corps $50,000+ Gross Revenue/Adjusted Gross Income (AGI) over $30,000.
Must be in business minimum 2 Years.
DOCUMENTS NEEDED:
Signed Contract and Completed Application
ID Color Copy, Front and Back in PDF or JPEG format. Driver’s License, State ID, or Passport
Proof of Income: 1099R, Awards Letter or 3 Monthly Statements (Retired)
W2 & 1 Month Pay Stubs (W-2 Employees)
1099’s, Sole Proprietorship, Single Member LLC, S-Corps, C-Corps
2 Years 1040 Tax Returns, Schedule C or Schedule E, K-1 and 4506T (For Personal and Business)
Social Security Card Color Copy, Front and Back in PDF or JPEG format and Back
Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.
The following 3 options cost only $1 for a 7-day trial period
https://www.identityiq.com/ https://www.privacyguard.com/ https://www.checkfreescore.com/
3 Months of Personal Bank Statement: Must show direct deposit.
Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone or Credit Card Statement
Voided Personal Check. Must match provided bank account information. No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check
Retirees
Funding Details
$10,000 to $400,000 - Funded in as little as a week.
Approvals in As Little As 24 Hours
NO Upfront Costs. 15% Success Fee If Funded
No Down Payment, No Collateral, or No Reserves needed. Borrowers pay a 15% (15pts) fee if successfully funded.
Term Loans – 3- or 5-Year Terms with rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest.
Lines of Credit – Flexible Borrowing option. Rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest. Requires a 700+ Credit Score.
*Lenders determine the interest rates, terms, and payments.
REQUIREMENTS:
650+ Credit Scores: Must be reporting on all 3 credit bureaus.
2+ Years of Clean Credit History: No recent late payments, no judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.
No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit, Personal Loans, Refinances, Mortgages, etc.)
50% or Lower Revolving Debt
No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months
$30,000 Provable Income
DOCUMENTS NEEDED:
Signed Contract and Completed Application
ID Color Copy, Front and Back in PDF or JPEG format. Driver’s License, State ID, or Passport
Proof of Income: 1099R, Awards Letter, or 3 Monthly Statements
Social Security Card Color Copy, Front and Back in PDF or JPEG format and Back
Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.
3 Credit Scores, Daily Credit Monitoring & Alerts - IdentityIQ My Credit Report & Credit Scores - All 3 Bureaus | PrivacyGuard CheckFreeScore.com
3 Months of Personal Bank Statement: Must show direct deposit.
Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone or Credit Card Statement
Voided Personal Check: No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check.
1099/Sole Proprietorship/Single Member LLC
Self-Employed Unsecured Personal Funding
1099/Sole Proprietorship/Single Member LLC
Funding Details
$10,000 to $400,000 - Funded in as little as a week.
Approvals in As Little As 24 Hours
NO Upfront Costs. 15% Success Fee If Funded
No Down Payment, No Collateral, or No Reserves needed. Borrowers pay a 15% (15pts) fee if successfully funded
Term Loans – 3- or 5-Year Terms with rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest.
Lines of Credit – Flexible Borrowing option. Rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest. Requires a 700+ Credit Score.
*Lenders determine the interest rates, terms, and payments.
REQUIREMENTS:
$50,000+ Gross Revenue: Must be in business minimum 2 Years. Adjusted Gross Income (AGI) over $30,000.
2+ Years of Clean Credit History: No recent late payments, judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.
50% or Lower Revolving Debt.
650+ Credit Scores: Must be reporting on all 3 credit bureaus.
No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit, Personal Loans, Refinances, Mortgages, etc.)
50% or Lower Revolving Debt
No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months
DOCUMENTS NEEDED:
Signed Contract and Completed Application
ID Color Copy, Front and Back in PDF or JPEG format. Driver’s License, State ID, or Passport
Proof of Income: 2 Years 1040 Returns, Schedule C or Schedule E and 4506T (For Personal and Business)
Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.
Social Security Card Color Copy, Front and Back in PDF or JPEG format and Back
Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.
Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone or Credit Card Statement
Voided Personal Check: No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check
3 Months of Personal Bank Statement
Voided Check: Must match provided bank account information. No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check.
S-Corps
S-Corp
Funding Details
$10,000 to $400,000 - Funded in as little as a week.
Approvals in As Little As 24 Hours
NO Upfront Costs. 15% Success Fee If Funded
No Down Payment, No Collateral, or No Reserves needed. Borrowers pay a 15% (15pts) fee if successfully funded
Term Loans – 3- or 5-Year Terms with rates as low as 6%* for well qualified borrowers. Monthly Payments of Principal and Interest.
*Lenders determine the interest rates, terms, and payments.
REQUIREMENTS:
$50,000+ Gross Revenue: Must be in business minimum 2 Years. Adjusted Gross Income (AGI) over $30,000.
2+ Years of Clean Credit History: No recent late payments, judgements, collections, or liens. Bankruptcies must be discharged for a minimum of 2 years.
50% or Lower Revolving Debt.
650+ Credit Scores: Must be reporting on all 3 credit bureaus.
No New Accounts in The Last 6 Months. (Credit Cards, Increasing Credit, Personal Loans, Refinances, Mortgages, etc.)
No More Than 6 Inquiries on ALL Credit Bureau in the last 6 Months
DOCUMENTS NEEDED:
Signed Contract and Completed Application
ID Color Copy, Front and Back in PDF or JPEG format. Driver’s License, State ID, or Passport
Proof of Income: 2 Years 1040 Returns, K-1 and 4506T (For Personal and Business)
Social Security Card Color Copy, Front and Back in PDF or JPEG format and Back
Logins to Credit Monitoring Website: Must show all 3 scores. NO CREDIT KARMA.
Utility Bill: Electric, Gas, Water, Waste, Cable, Telephone or Credit Card Statement
3 Months of Personal Bank Statement
Voided Check: Must match provided bank account information. No Starter Checks. Direct Deposit form or Official Letter from the bank if no voided check