Free Money?

When it comes to business lending, there is no such thing as free money.

Lenders lend money to earn a profit. To make their profit with business financing they charge any number of fees including interest rates, discount fees, and success based fees or closing costs.

Our job is to search the globe to ensure our business clients have access to the best financing programs AND the best financing terms.

In our search, we have found some of the lowest risk, and lowest rate financing available today. This includes programs like our securities based line-of-credit which provides rates as low as 1.6%, SBA loans that offer rates as low 2% over prime, and many others. And we are constantly searching for new programs.

Almost all low-risk financing will require business owners supply financials or have some type of collateral to qualify.

If an owner does have collateral such as a 401k, stocks, securities, inventory, equipment, account receivables, commercial real estate, or any other type of legitimate business collateral, they could qualify for low-risk, low-rate financing.

To qualify for the absolute lowest rates, lenders often request business owners supply personal background information and personal financials, business financial statements and projected financial statements , profit & loss statements, business licenses, 3 years of business tax returns, resumes, a brief overview of the company, any business leases, and more.

Even when business owners can't supply financials and have no collateral, financing is still available for them through the Finance Suite.

Programs like unsecured no-documentation financing, merchant advances, and revenue lending provide business owners with fast approvals and generous approval amounts. These types of programs are much easier to qualify for and deliver funds to businesses faster than most other type of business financing.

These programs are also much higher risk than collateral based and full documentation financing. Due to the increased risk, the payback terms are typically shorter on the loans, and the rates and fees are higher.

Expert Credit Consultants, LLC specializes in establishing business credit and funding using our exclusive Business Credit and Financing Suite as well as consumer credit restoration and optimization. www.ExpertCreditConsultants.com.