Business Financing Options

Start Up Business Lines of Credit

$25K up to $100K
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  • 700 > FICO
  • 0% interest business credit cards for 12 months
  • 2nd year blended interest rate 13%
  • No restrictions | Good for establishing credit
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Popular

Business Lines of Credit

$10K up to $250K
  • 650 > FICO
  • 15K in monthly deposits >
  • 10% interest rate while money is in play
  • Good for business that know they can pay down the balance quickly and want to feel safe that they have the reserves on hand.
  • Monthly payback
  • 10% of annual revenue rule of thumb
  • Decisions are also based on AR or Inventory or both

Merchant Cash Advance Amex

$25K up to $2 million
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  • 650 > FICO
  • 10K in monthly deposits >
  • Average cost of capital 1.10 and up - $100K x 1.10 = $110K payback
  • Good for emergencies / high ROI on use of funds
  • Daily or Weekly payback
  • 10% of annual revenue rule of thumb
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Personal Loans

$5K to $100K
  • 650 > FICO
  • 8% interest rate
  • Monthly payback
  • $50K in verifiable income
Popular

Short-Term Business loan

from $5K to $500K
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  • 550 > FICO
  • 10K in monthly deposits >
  • Average cost of capital 1.30 and up - $100K x 1.30 = $130K payback
  • Good for emergencies / high ROI on use of funds
  • Daily or Weekly payback
  • 10% of annual revenue rule of thumb
Popular

Mid-Term Business Loan

from $25K to $500K
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  • 620 > FICO
  • 20K in monthly deposits >
  • Average cost of capital 5%/10%/15% all depending on credit and term
  • Good for longer term ROI on investments or debt consolidation
  • Monthly payback
  • 10% of annual revenue rule of thumb

SBA Loan

$25K up to $5 million
  • 650 > FICO
  • 15K in monthly deposits >
  • 8% interest rate
  • Good for small business that have great credit and are willing to take the time and effort for better rates and terms.
  • $25K up to $360K non asset backed.
  • 5 to 10 year terms
  • Monthly payback

10% of annual revenue rule of thumb is your average loan amount

  • 14 Spring Street, Waltham, MA 02453

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