Available Financing
No Doc Funding
Business Credit Card
- Min Revenue: N/A
- Min Credit Score: 680
- Time in Business: 6 months
- Interest Rate: 0% for 12 months
- Funding Period: 1–2 weeks
- Funding Amount: $100K – $150K
- Payment Frequency: Monthly
- Docs Needed: Full Name, Home Address, SSN
- Notes: Builds business credit, no bank statements or tax returns required
Term Loan
- Min Revenue: N/A
- Min Credit Score: 680
- Time in Business: 6 months
- Interest Rate: 11% APR+
- Funding Period: 1–2 weeks
- Term: 1–3 years
- Funding Amount: $15K – $20K
- Payment Frequency: Monthly
- Docs Needed: Full Name, Home Address, SSN
- Notes: Builds business credit, no bank statements or tax returns required
Line of Credit
- Min Revenue: N/A
- Min Credit Score: 680
- Time in Business: 6 months
- Interest Rate: 11% APR+
- Funding Period: 1–2 weeks
- Term: 1–3 years
- Funding Amount: $15K – $20K
- Payment Frequency: Monthly
- Docs Needed: Full Name, Home Address, SSN
- Notes: Builds business credit, no bank statements or tax returns required
Income-Based Financing
Traditional Term Loan / Line of Credit
- Min Revenue: $100K (Annual)
- Min Credit Score: 680
- Time in Business: 2 years
- Interest Rate: 11% APR+
- Funding Period: 30+ days
- Term: 5–7 years
- Funding Amount: 20% of annual revenue
- Payment Frequency: Monthly
- Docs Needed: Last year’s tax returns, last 6 months bank statements, application
- Notes: Must show a profit in bank statements
Personal Loan
- Min Revenue: $70K/year
- Min Credit Score: 680
- Time in Business: N/A
- Interest Rate: 7% APR+
- Funding Period: 2 business days
- Term: Up to 5 years
- Funding Amount: Up to $500K
- Payment Frequency: Monthly
- Docs Needed: Driver’s license, last 2 years personal tax returns, W2s, last 30 days of paystubs
- Notes: In NY & FL, income can be as low as $700/week
Revenue-based Funding
- Min Revenue: $10K/month
- Min Credit Score: 500
- Time in Business: 3 months
- Interest Rate: None
- Funding Period: 24 hours
- Term: 1–12 months
- Funding Amount: $5K – $2M
- Payment Frequency: Daily / Weekly / Monthly
- Docs Needed: Application + last 4 business bank statements
- Notes: ITIN accepted
Alternative Options
Alternative A – Line of Credit
- Min Revenue: $15K/month
- Min Credit Score: 650
- Time in Business: 3 years
- Interest Rate: 1% per month
- Funding Period: 24 hours
- Term: 12–36 months
- Funding Amount: $10K – $275K
- Payment Frequency: Weekly / Monthly
- Docs Needed: Application + last 4 business bank statements
- Notes: Max 1 existing MCA (Merchant Cash Advance)
Alternative B – Line of Credit
- Min Revenue: $5K/month
- Min Credit Score: 635
- Time in Business: 6 months
- Interest Rate: 3% per month
- Funding Period: 24 hours
- Term: 12–24 months
- Funding Amount: $5K – $100K
- Payment Frequency: Monthly
- Docs Needed: Application + last 4 business bank statements
- Notes: No MCA allowed
Alternative C – Line of Credit
- Min Revenue: $17K/month
- Min Credit Score: 551
- Time in Business: 1 month
- Interest Rate: 11% APR+
- Funding Period: 2–3 weeks
- Term: 12–36 months
- Funding Amount: Up to $500K
- Payment Frequency: Weekly
- Docs Needed: Application + last 4 business bank statements
- Notes: Max 2 MCAs allowed, no tax returns needed