Introducing the Small Business GROWTH Loan, the loan created for the small business owner-operator with the sole focus of providing assistance with the GROWTH of their operations. Our loan can be provided to operations with annual gross sales up to $25 million, however, our loan is most popular amongst small businessses with annual revenues from $200,000 - $2 million. Our loan provides you with another option when traditional sources of capital are not available for projects where you need to grow, develop or sustain your business.

The structure of our loan works similar to a CONTINUAL LINE OF CREDIT, where once we fund you the initial loan, at renewal time you do not have to pay off the first loan's outstanding balance from our renewal monies, instead everything will just "roll-over" as a new balance.

This structure also provides you a free "floating" period between when you have to start paying down on the renewal monies, giving you a longer "term" without any additional "costs". With this type of structure, our loan successfully integrates into your operations for the long haul and as your sales GROW, so does the size of our APPROVAL AMOUNT. To qualify for the Small Business GROWTH Loan, each business must fit our generic qualification metrics of:

• 520 personal fico score
• 11 Months in consecutive operation
• $150,000 in annual gross sales
• Good cashflow
• You must operate out of a physical business location 
• Any Tax Liens or Judgment Liens must be on a payment plan or outstanding balance must be paid at closing
• Any Bankruptcies must be discharged or dismissed
• Any Business Rent or Mortgage back payments must be paid at closing

No collateral is used to fund the loan, as our loan is backed solely by the forecast of sales going forward of the small business applicant, meaning if the business goes out of business during the payback period, we assume the investment loss. As a result of this, the loan is structured with “cost factors” that are set at the time of approval, rather than utilizing a traditional amortization schedule. Our "cost factors" are higher than traditional and conventional forms of business financing, however, our accessibility is higher and our "cost factors" are reasonable considering the low risk and lack of collateral required on your behalf. Once a business fulfills these basic underwriting guidelines, they are be APPROVED for our initial financing of up to 10% of their gross annual sales with term choices of 6 - 24 months.