(804)-930-8600
info@unitedbizcredit.com
Get Business Loans
Get matched with lenders who can get you the funding you need to grow your business!
HOW TO QUALIFY FOR
Small Business Loans
Unlocking business financing requires attention to four key factors: credibility, cash, credit, and collateral. These pillars of financing are what lenders use to make underwriting decisions. In business lending each pillar can also secure the financing you need.
Fundability
Establish presence, office, and business banking
Cash
Cash flow, savings, and merchant account
Credit
The strength of personal and business credit
Collateral
Available assets to secure a business loan
BUSINESS CREDIT BUILDER
Business Loans For Your Situation
By understanding the strengths of your business, we can create a personalized assessment of your situation. Then our team of funding experts match you with the perfect lender to meet your financing needs.
Credit Line
Hybrid
Get up to $150k in unsecured, no doc financing with 0% introductory rates
Equipment
Financing
Finance your new equipment or get a leaseback on owned equipment
Securities Backed Lines of Credit
Secure your business loan with stocks, bonds, mutual funds, and retirement
Revenue
Financing
Use your business revenue to secure funding for your business
Merchant Cash Advance
Fund your growth with cash from your merchant account transactions
SBA
Loans
Get the best rates and terms with highest loan amounts with SBA loans
Commercial Real Estate
Purchase commercial real estate with multiple options for growth
Inventory Financing
Use your existing inventory to secure your business financing
MEET THE PERFECT LENDER
Find Your Funding Now!
Leverage our experience in matching your strengths with lenders who are ready and eager to work with you right now. Not only will you find the funding you need today, but we’ll also help you prepare for better money in the future.
WE'VE GOT YOUR COVERED
We Help All Types of Businesses
Small Business Loans
Getting a loan for a small business can change everything. Let's find the funding you need to flourish!
Growth Financing
Let's fund your next steps for growth to help you take your business to the next level.
Expansion Financing
Get the capital you need to expand with high loan amounts, great rates, and longer terms.
Startup Loans
Get up to $150,000 in unsecured financing with no income, assets, or collateral.
Non Profits
Nonprofits can borrow money from banks and lenders to help finance their operations.
Franchisee's
Get the money you need to grow your franchise the right way! Find out how we can help.
COMMON QUESTIONS
Frequently Asked Questions
Discover the world of business loans with our FAQs, covering key topics to help you make informed decisions and unlock growth opportunities.
Can I get a business loan with bad credit?
Yes, it is possible to obtain a business loan with bad credit. However, the options may be limited, and the interest rates could be higher. Some alternative lenders specialize in offering loans to businesses with less-than-perfect credit.
How much money can I qualify for?
The amount you can qualify for depends on various factors, such as your credit score, business revenue, time in business, and the lender's evaluation of your financial health. Each lender has different criteria, so it's essential to research and compare your options.
What rates and fees will I pay
Interest rates and fees vary depending on the lender, type of loan, your creditworthiness, and other factors. Typical fees may include origination fees, processing fees, and prepayment penalties. It's crucial to review the loan terms and understand the total cost of borrowing before accepting an offer.
Do I need collateral to secure a business loan?
Some types of business loans require collateral, while others do not. For example, secured loans (such as equipment financing) often require collateral, whereas unsecured loans (like lines of credit) typically do not. However, unsecured loans may have higher interest rates due to the increased risk for the lender.
What types of business loans are available?
There are various types of business loans, including term loans, lines of credit, invoice financing, equipment financing, merchant cash advances, and Small Business Administration (SBA) loans. Each loan type serves a specific purpose and has unique terms, rates, and eligibility requirements.
How do lenders evaluate a business loan application?
Lenders typically consider factors such as your credit score, time in business, annual revenue, debt-to-income ratio, and the overall financial health of your business. They may also review your business plan, industry, and cash flow projections.
Can I improve my chances of getting approved for a business loan?
To improve your chances of approval, make sure to maintain a good credit score, keep accurate financial records, develop a solid business plan, demonstrate strong cash flow, and reduce existing debt. It's also essential to research and apply for loans that best fit your business needs and financial profile.
Testimonials
Real results from business owners just like you
Cheryl Reisner, a former bank lender from Shreveport, Louisiana. The suite’s business credit building process unlocked more funding options than she ever imagined, opening up new possibilities for her business. Cheryl believes every business owner can benefit from the Business Finance Suite, as it revolutionizes how they operate.
Louis, a Miami-based business owner found success using the Business Finance Suite, which helped establish a business credit profile. This enabled them to apply for funding without using their Social Security number, eliminating personal liability for credit applications. The speaker highly recommends this program to fellow business owners.
Edward from El Paso, Texas, struggled to secure funding for his small businesses until discovering the Business Finance Suite. Within a month, the suite helped set up his business correctly, establish trade lines and revolving credit, and now he’s on track to receive funding. Edward guarantees it’s worth the investment and only wishes he’d found it sooner.
