Business Financing

Business Financing Even When Banks Say No

Financing

The Leaders in Business Financing

Find out what our business credit funding system offers!





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Unsecured Business FinancingBusiness Revenue LendingMerchant AdvancesAccount Receivable FinancingPO FinancingInventory Financing401k Plan FinancingSecurities Credit LinesSBA LoansEquipment FinancingCommercial Real EstatePrivate Equity FinancingBook-of-Business Financing

Unsecured Business Financing

Whether you need money for new equipment, additional inventory or expansion of your business, Knight Financial Solutions can help you avoid a complicated loan process. Our Unsecured Business Financing program is ideal for those who are just starting out as well as those with well-established businesses. Based strictly on your personal or business credit record, you could qualify for up to six figures in unsecured financing, with no cash flow or collateral requirements.

Lenders will not request or require bank or financial statements, business plans, or any other complicated documentation. Our unsecured business financing program is as close to “no doc” as you can get. You may even qualify for a zero-percent (0%) introductory rate – one of the best terms in the country today.
Straightforward Qualification Process
There’s a reason our unsecured business financing program is so popular: unlike a bank, our application and qualification process is quick and easy. To determine if you qualify, lenders look at your personal credit history and review it to ensure there are no derogatory items such as:

  • Open collections
  • Late payments
  • Judgments
  • Tax liens

They also check to see if:

  • You have less than two credit report inquiries within the past six months.
  • You have established credit, including open revolving accounts with balances less than 30% of your limit.
  • Your personal credit score is at least 700, or your business score is 80 or higher.

Inventory Financing
Our inventory financing program offers a low-rate credit line that uses your current inventory as collateral.

Knight Financial is an inventory finance provider you can count on. Our success depends on your success, so we offer you the opportunity to secure a business credit line based on your current inventory. Regardless of your personal credit score, as long as that inventory is valued at $300,000 or more, you can be approved for a credit line with interest rates as low as 2-5%.
Easy Qualification
Qualifying for inventory financing is quick and easy, as we don’t require financials or your personal credit information. You just need to have an existing inventory – merchandise, supplies, materials, or other valued over $300,000. A lender then reviews that inventory to make sure you qualify and, assuming you do, quickly approves you for financing.
Do You Have Current Credit Issues?
If you’re a business owner currently dealing with credit issues, our inventory financing program may be your best solution. Our lenders do not require perfect credit for you to qualify. Even if you’re now dealing with a low and or poor personal credit history, you may qualify for a credit line with an interest rate under 5%. In fact, you can be approved with a personal credit score as low as 500!

Our inventory financing program is one of the easiest and finest available today, offering great terms and rates, even with a less-than-perfect personal credit history.
FAST Funding
Two weeks or less! That’s how quickly you’ll be able to secure a working-capital credit line once our lenders review your inventory.

Substantial and Powerful Benefits!

0% interest is common for 6-18 months Business credit can also be used to qualify
24 hour pre-approval Startup business can qualify
True NO DOC financing program Application to funding in 3 weeks or less
No application fees Credit lines ranging from $150,000 to $500,000
Multiple signers can be approved No collateral requirements
Credit partners can also apply No cash flow requirements
Approval Amount
$25,000-$150,000
Credit Quality
Good
Collateral
None Required
Financials
None Required
Explore Business Credit

Business Revenue Lending

Business Revenue Financing is perfect for entrepreneurs who are looking for fast, easy money with little headaches.  You can easily be approved for financing as much as $500,000 within 72 hours based on a simple review of your business bank statements.

This program is designed to help clients get funding based strictly on their cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

You can be approved even if your credit scores are as low as 500.

Easy Qualification Process

Our Revenue Financing program is one of the easiest, hassle frees ways you can obtain business financing.

To determine approval the lender will review 4-6 months of your bank statements.  All the lenders are looking for is consistent deposits showing your revenue is $150,000 or higher annually.  They will also verify that you have been in business one year or more. If you haven’t been in business one year or more

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements and that you have more than 15 deposits in a month going into your bank account.  Basically all they are looking for is that you manage your bank account responsibly and have a decent number of consistent deposits.

If you meet this simple criteria you can be approved!

Do You Have Credit Issues Now?

Our Revenue Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and collections on your credit report.  This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.

FAST Funding!

You can be pre-approved for our Revenue Financing program within 24 hours.  You can receive your formal approval within 72 hours from submitting your application.  And you can receive your money in your bank account within 7 days or less from applying!

Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!

Get Money Consistently!

 

Over 85% of our clients come back for even more financing after their initial approvals. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.

And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 72 hours or less!

Our Revenue Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!

Powerful Benefits!

24 hour pre-approval Loan amounts to $500,000
Application to funding in 7 days or less Get approved for additional future funding
Easy bank statement review for approval No application fees
Get approved with bad credit No collateral requirements
3-18 month financing terms Get approved for up to 12% of annual revenue
Approval Amount
$5,000-$50,000
Credit Quality
Bad Credit Accepted
Collateral
None Required
Financials
None Required
Explore Business Credit

Merchant Advances

Our Merchant Financing program is perfect for business owners who accept credit cards and are looking for fast and easy business financing!  You can be approved for as much as $500,000 in financing with no collateral requirements and bad credit.

This program is designed help you get funding based strictly on your cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

You can be approved even if your credit scores are as low as 500.

Easy Qualification Process

Our Merchant Financing program is one of the easiest, hassle frees ways you can obtain business financing.

To determine approval the lender will review 4-6 months of your bank and merchant account statements.  All the lenders are looking for is consistent deposits showing your revenue is $50,000 or higher annually.  They will also verify that you have been in business 6 months or more.

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements, low chargebacks on your merchant statements, and that you have more than 15 deposits in a month going into your bank account.

Basically all they are looking for is that you manage your bank and merchant accounts responsibly and have a decent number of consistent credit card transaction deposits each month.

Do You Have Credit Issues Now?

Our Merchant Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and collections on your credit report.  This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.

FAST Funding!

You can be pre-approved for our Merchant Financing program within 24 hours.  You can receive your formal approval within 72 hours from submitting your application.  And you can receive your money in your bank account within 7 days or less from applying!

Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!

Get Money Consistently!

Over 85% of our clients come back for even more financing after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.

And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 72 hours or less!  And we also provide you access to merchant credit lines where you can have consistent access to cash.

Our Merchant Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!

Powerful Benefits!                                                                        

24 hour pre-approval Loan amounts to $500,000
Application to funding in 7 days or less Get approved for additional future funding
Easy merchant statement review for approval No application fees
Get approved with bad credit No collateral requirements
Get approved with revenues of $50k or less Starter programs are also available
3-18 month terms Get approved for up to one month’s revenue
Approval Amount
$5,000-$250,000
Credit Quality
Bad Credit Accepted
Collateral
None Required
Financials
None Required
Explore Business Credit

Account Receivable Financing

Many businesses wait weeks, even months to get paid on their outstanding account receivables.   This typically creates major cash-flow issues as they provide their goods and services and absorb those costs until they eventually get paid sometimes 90 days later.

With our Account Receivable Financing you can regularly secure money against their receivables in as little as 24 hours.  And you can get rates less than 2% and financing as high as $20,000,000 even with severely challenged personal credit.

Easy Qualification Process

Account receivable financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for AR Financing your business must be open for at least 12 months.  The lender will review your existing receivables or purchase orders, and will look into the company that your receivables are with.

If the companies who owe you money have a good history of paying their debts, you can easily be approved regardless of your personal credit quality.

Do You Have Credit Issues Now?

Our Account Receivable Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved and advanced 80% of your receivables, even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score lower than 500, even if you have recent derogatory items and major collections on your credit report.  Lenders truly don’t care about your personal credit, they care more about the credit of the company who you have the receivables with.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your account receivables you can receive your initial approval and funding in 3 weeks or less. After you are initially approved you will be able to get paid on future receivables within 24 hours.

Really Low Rates Regardless of Credit!

With our AR financing program you can get approved with really low rates even if you have severe credit challenges. In almost all cases your rate will be 2% or less even if your personal credit scores are less than 500.

This means you can get paid tomorrow instead of waiting weeks or months to get paid, and you can do this for less than the cost of you accepting a credit card payment from your customers.

There are very few other programs in existence that can give you these low of rates even if you have severe personal credit challenges.

Powerful Benefits!
                           

24 hour pre-approval Receive an advance of 80% of your receivables
Rates less than 2% Receive other 20% less fee after invoice is paid
Easy account receivables review for approval No application fees
Get approved with very bad credit Application to funding in 3 weeks or less
Get approved with no revenue requirements Get paid on future receivables in 24 hours
Approval Amount
$10,000-$20 million
Credit Quality
Bad Credit Accepted
Collateral
Account Receivables
Financials
None Required
Explore Business Credit

PO Financing

Sometimes you might have large orders to fill but don’t have or want to use your cash flow to pay for the supplies needed to fulfill those orders.  Our Purchase Order Financing is a short-term finance option that provides capital so you can pay your suppliers upfront so your company doesn’t have to deplete cash reserves.

Purchase Order Financing allows companies to grow without increased bank debt or selling equity.  It also helps you increase market share by ensuring timely deliveries are made to your customers.

Our areas of expertise include production finance for work in process and Letters of Credit for trade finance.  This includes import and export transactions as well as domestic trade purchases.

Easy Qualification Process

Purchase Order Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To get approved lenders will typically do a quick review of your outstanding purchase orders that need filled.  If the purchase orders are valid and the suppliers you are dealing with are credible, you can be approved regardless of personal credit history.

Do You Have Credit Issues Now?

Our Purchase Order Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score lower than 500, even if you have recent derogatory items and major collections on your credit report.  Lenders truly don’t care about your personal credit, they care more about the reputation of your supplier.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your purchase orders you can receive your initial approval and funding in 2 weeks or less.

Powerful Benefits!

24 hour pre-approval Secure funding for as much as 95% of your POs
Easy purchase order review for approval No application fees
Get approved with very bad credit Application to funding in 2 weeks or less
Get approved with no revenue requirements Rates typically range from 1-4%
Approval Amount
$5000-$20,000
Credit Quality
Bad Credit Accepted
Collateral
Purchase Orders
Financials
None Required
Explore Business Credit

Inventory Financing

With our Inventory Financing program you can obtain a low-rate credit line using your current inventory as collateral.

Secure a credit line for 50% of your current inventory value if your inventory is worth $300,000 or higher.  You can be approved for a line with rates as low as 2-5% regardless of your personal credit quality.

Easy Qualification Process

Inventory financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for Inventory Financing your business must be have an existing inventory now that is valued over $300,000.  The inventory might be of supplies, retail merchandise, materials used to produce your product, or other non-obsolescence inventory.

The lender will review your existing inventory and is also interested in the quality of your inventory management system. If you have inventory that qualifies you can be approved quickly with just a review of your inventory records.

Do You Have Credit Issues Now?

Our Inventory Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your inventory summaries you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!

24 hour pre-approval Secure financing of 50% of your inventory value
Easy inventory review for approval No application fees
Get approved with very bad credit Application to funding in 2 weeks or less
Get approved with no revenue requirements Rates typically range from 2-5%

Credit-line amounts range from $150,000-500,000

Approval Amount
$150,000-$10 million
Credit Quality
Bad Credit Accepted
Collateral
Inventory
Financials
None Required
Explore Business Credit

401k Plan Financing

Our 401k Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401 K plan or IRA. In as little as 2 weeks you can invest a portion of your retirement funds into your business, giving you more control over the performance of your retirement plan assets and the working capital  you need for business growth.

Easy Qualification Process

401k Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for 401k Financing all the lender will require is a copy of your two most recent 401k statements. If your 401k has a value over $25,000 you can be approved, even with severely challenged personal credit.

Whatever percent of your 401k is “rollable” is the amount of financing you can receive. In many cases, you can secure a low-interest credit line for as much as 50-100% of your current 401k value.

Do You Have Credit Issues Now?

Our 401k Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 5.25% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your 401k statements you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!

24 hour pre-approval No penalties for roll-over
Easy 401k review for approval No application fees
Get approved with very bad credit Application to funding in 2 weeks or less
Get approved with no revenue requirements Rates of 5.25% are common
Credit-line for 50-100% of rollable 401k Based on proven IRS strategies
Approval Amount
Up to 200%
Credit Quality
Bad Credit Accepted
Collateral
401k/IRA
Financials
None Required
Explore Business Credit

Securities Credit Lines

Our Securities-based Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in stocks or bonds to obtain a low-interest credit line.

In as little as 2 weeks you can invest a portion of your stocks or bond into your business, giving you more control over the performance of your retirement plan assets and the working capital  you need for business growth.

You can be approved for a low-interest credit line for as much as 70-90% of the value of your securities.  Most stocks and bonds accepted, and you keep all of the interest and appreciation from your securities.  Plus there is no pre-payment penalty and your securities remain in your name.

Easy Qualification Process

Securities-based Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify all the lender will require is a copy of your two most recent securities statements. If your stocks or bonds have a value over $25,000 you can be approved, even with severely challenged personal credit.

Do You Have Credit Issues Now?

Our Securities-based Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 2-5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 2-5% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your securities statements you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!                    

24 hour pre-approval No penalties for roll-over
Easy securities review for approval No application fees
Get approved with very bad credit Application to funding in 2 weeks or less
Get approved with no revenue requirements Rates of 5.25% are common
Credit-line for 70-90% of securities value Most stocks and bonds accepted
Securities remain in your name You keep all of the interest from your securities
No pre-payment penalty You keep 100% of your appreciation
Approval Amount
Up to 90% of Value
Credit Quality
Bad Credit Accepted
Collateral
Stocks, Bonds, Other Securities
Financials
None Required
Explore Business Credit

SBA Loans

Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with Secured Small Business Loans.

If you have positive business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12,000,000.  SBA offers several programs including 504 and 7a loan programs you may qualify for.

SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital.

SBA will require certain documentation to qualify including business and personal financials, resume and background information, personal and business credit reports, a business plan, bank statements, collateral, and other documentation relevant to the transaction.

Approval amounts will vary based on the collateral their business has and the amount of net profit reflected on their tax returns.  The total time to close these loans is about 2-4 months.

Low-interest and Long-term Business Financing

SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA.  Plus in many cases interest rates are as low as 5-6% on the financing you secure.

Approval Amount
$250,000-$12 million
Credit Quality
Good Credit Accepted
Collateral
50% of loan amount
Financials
Required
Explore Business Credit

Equipment Financing

A recent Gallup survey found that 80% of U.S. businesses lease a portion of their equipment. The list of companies using leasing ranges from the Fortune 500 to the family store.

We offer equipment financing and leasing programs for startup and existing businesses.  You can get approved even with challenged credit, you won’t need financials to secure equipment financing, and approvals take as little as 24 hours.

Easy Qualification Process

You can be approved for Equipment Financing and Leasing with as low as a 640 personal credit score.  To get approved lenders will request details on the equipment you are obtaining or using as collateral to borrow against.

After a quick credit review you can be approved for as much as $2,000,000 in equipment financing.

Equipment Leasing is Powerful!

We help business owners obtain financing to lease equipment.  With equipment leasing you receive even more favorable terms than typical business financing programs, with even more benefits.

Whether you are a startup business or a well-established business, we have hundreds of equipment lenders who would like to help.  You can qualify with only two monthly payments as a down payment. And you can get approved with a credit score as low as 640.

Rates are affordable and 100% of your interest is tax deductible.  Plus, you can get approved for financing ranging from $25,000 to $20,000,000

Equipment Sale-Leaseback Puts Cash in Your Pocket!

Our Equipment Sale-Leaseback program gives you cash using your existing equipment as collateral.  If you have valuable pieces of equipment you can use those as leverage to obtain equipment financing.  To qualify your equipment should be of higher value such as $25,000 or more.

If you do have a piece or multiple pieces of valuable equipment you can then sell those to the lender and they will in-turn lease the equipment back to you.

You get cash in your pocket, and you start a lease with the bank with lower payments and interest that is tax deductible.

Powerful Benefits!

24 hour pre-approval No application fees
Interest is Tax Deductible Application to funding in 2 weeks or less
Purchase, lease, or borrow against existing equipment Heavy equipment financing available
Loans to $20,000,000 Get approved with average credit
Approval Amount
$10,000-$2 million
Credit Quality
Average Credit Accepted
Collateral
Equipment
Financials
Required
Explore Business Credit

Commercial Real Estate

We offer commercial real estate financing ranging from $75,000-20,000,000.  This financing can be used for the purchase of property, or the refinancing of a property, even if you  are doing a cash-out refinance.

Loan-to-values range from 55-65% depending on the purpose of the loan.  We have funding programs available including conventional property financing, money for investment properties and hard money loans, bridge loans, and loans for the purchase of commercial real estate, plus your clients can also obtain SBA loans.

Commercial Real Estate Financing for All Types of Buildings!

We offer financing for many different, even unique property types. With our commercial real estate financing you can acquire funding for offices, industrial, offices- general or medical/ dental, industrial facilities, light manufacturing buildings, mixed use properties, commercial condos, auto dealerships, light auto services, day cares, assisted living facilities, entertainment venues, multi-family properties, retail warehouses, self-storage facilities, and more.

Approval Amount
$75,000-$20 million
Credit Quality
Good Credit Accepted
Collateral
Commercial Real Estate
Financials
Required
Explore Business Credit

Private Equity Financing

We work with thousands of lending sources nationwide and many of them are private investors who are seeking the right opportunity to invest in. If you have collateral, average credit, and positive tax returns, you can be approved with many private investors at very good loan terms.

With our private money sources you won’t be required to give up any percentage of ownership equity in your business.  You retain full control and are still able to obtain private investor funding, even when your bank says no.

Awesome Terms!

You can obtain private money financing with much the same terms as conventional bank loans.  Rates vary based on risk typically ranging from 5-18%.  You can get approved for long-term loans of 5 years, 10 years, or longer, or you can get your funding through a working capital credit line that you can access and use any time you need it.

Easy to Get Approved!

There are three main elements private investors look for to approve you for funding. Firstly, lenders want to see that you have tax returns that reflect a profit. They will also verify that your sales and profits are increasing from year-to-year. Lenders look at these qualities as signs of a healthy company worth of long-term investment.

Secondly, lenders will verify that you have average credit. You can be approved with credit scores as low as 640 as long as you don’t have any severe negative credit items on your report that are recent.

Lastly, to get approved you should have collateral. Unlike many conventional and SBA loans that require nearly 100% collateral for what you are borrowing, with our private sources you can be approved with collateral equivalent to 20% of what you are borrowing.

Collateral can be liquid cash, stocks, bonds, 401k, IRAs, commercial real estate, or other types of viable business collateral.

Get Approved when Banks Say “No”!

Private money financing is often called SBA fall out as it typically helps those who can’t get approved for conventional SBA financing.  SBA loans have very stringent qualifying requirements, so stringent that nearly 90% of applications are denied.

With Private Money Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand.   You can get approved with just a quick review of your tax returns, credit, and bank statements.

Unlike conventional financing you don’t need good credit, average credit will suffice to qualify.  You don’t need collateral valued at 100% of what you are borrowing like conventional financing, you can get approved with as little as 20%.

You can secure private money financing without most of the headaches and limitations that are common with conventional business financing.

Powerful Benefits!

Loans from $100,000-20,000,000 No application fees
Get approved with average credit Low collateral requirements
72 hour pre-approval Rates of 5-18% based on risk
Get approved when banks say “no” Credit lines and loans available
Approval Amount
$50,000-$$2 million
Credit Quality
Good Credit Accepted
Collateral
None Required
Financials
None Required
Explore Business Credit

Book-of-Business Financing

Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral.  This program is the best program available for insurance agents regarding approval requirements and approval terms.

You can be approved for a 3-10 year loan or credit line for your insurance business, even if you have average credit.  And all you truly need to qualify is a book-of-business of renewable commissions. You can even use the book-of-business for the insurance agency you are buying as collateral to get approved.

Easy to Get Approved!

Insurance agents rave about how easy this program is to qualify for. The lenders are mainly looking to insure you have a viable book of renewable commissions for your insurance agency. If you do, you can be approved even with a 520 personal credit score.

You can secure as much as 120% of the surrender value of your renewable commissions. And most agencies can qualify, excluding State Farm.  All you need for approval is a complete application and breakdown of your renewables.

You can rates as low as 4% over the Prime rate and you can get loan terms as long as 10 years helping keep your payments low.

Get Approved when Banks Say “No”!

Book-of-business financing is the absolute best long-term solution for insurance agents who can’t secure SBA, conventional type loan financing.

With Book-of-business Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand.   You can get approved with just a quick review of your credit and renewable commission breakdown.

Unlike conventional financing you don’t need good credit, you can be approved even with severely challenged personal credit and scores as low as 520.  Lenders are actually more interested in you supplying 3 solid references than they are with you having good credit.

Powerful Benefits!

Use book-of-business of renewable commissions to qualify No application fees
Get approved with bad credit No other collateral requirements
72 hour pre-approval Rates of 4-9% plus prime based on risk
Get approved when banks say “no” Credit lines and loans available
Secure as much as 120% of commission surrender value Can be used to purchase an agency
Approval Amount
$5,000-$20,000
Credit Quality
Bad Credit Accepted
Collateral
None Required
Financials
None Required
Explore Business Credit
Business Funding Suite Business Funding Suite