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- 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: W2 & 1 Month Pay Stubs
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 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
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
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