SMALL BUSINESS ADMINISTRATION (SBA) LENDERS

 ○JPMorgan Chase

 ○Key Bank

 ○Ready Capital

○ Wells Fargo Bank

○ Byline Bank

○ Newtek

○Celtic Bank

 ○Huntington National Bank

 ○Live Oak Bank

 

 

INVOICE FACTORING

    

○Tab Bank

Small & Medium Businesses

focus on Transportation,

manufacturing, and staffing

○Cap Flow Funding Group**

FundThrough

Quick process and fast Funding

○Riviera Finance

Friendliest customer service

and true non-recourse

○OTR Solutions

Friendliest customer service

and true non-recourse

○altLINE 

Low Rates

○Single Line Capital

Recourse and non-recourse options for truckers

○eCapital

Quickest Funding

○Porter Freight Funding

Caters to women- and minority-owned businesses

○Triumph Business Capital

Focuses on Trucking Companies and small & medium size businesses

○RTS Financial

Focus on trucking and Transportation, fast Funding, and fuel discounts

○Breakout Finance

Best for High Funding Limits

○Scale Funding

Best Features

○Gateway Commercial Finance

○Universal Fundign Corp**

○LSQ**

High Funding Amount 

○Greenbox (BBB A-rating)

Up to $500K, 5 months in business.

 

Equipment Financing

 

○North Mill Equipment Finance 

Credit from A to D

○National Funding

Up to $150K for equipment 

crucial to running a business

○Balboa Capital (625 Fico)

Up to $250K - Best Overall

○Crest Capital Financing (625 Fico)

Up to $1M

○OnDeck (625 Fico, 1 year in business)

$5000 to $250K best for short term

○National Funding (575 Fico) 

six months in business, up to $150K

○Amur Equipment Finance 

A to C credit, up to $2M

○Crestmark

○CAN Capital

Flexible terms up to 72 months,

soft credit pull $K to $250K

○LendSpark

Flexible Terms from 3 months to 5 years. 

Often, the Same day approval

○Ascentium Capital

Fast approval for most transactions. Up to $2M

○Universal Finance 

Equipment plus most other. Fast Response

○Providence Equipment

Creative Financing Structures

○Stonebirar Commercial Finance

Equipment, Aviation, Capital, 

Rail Leasing and Real Estate

Up to $500M, 3 yrs to 20 yrs

○Loeb Equipment 

Up to $500M, high-quality equipment

 

 

General Purpose Loans/Term  Loans

 

○QuickBooks Capital

○Newtex

48 hours pre-qualification turnaround, the term from 7 to 25 years

from $1k to $15M

Does what most banks will not touch

○CapFlow Funding Group

○Funding Circle

Funds in as few as 3 days. Loans up to $500K, term up to 7 years

○CAN Capital

Flexible on most all loans, fast Funding after approval

○Breakout Finance (600Fico)

Up to $1M, 24 months financing 

○ Ascentium Capital

Fast cash if you need money in a hurry

 

 

Business Term Loans

 

○Tuatara Capital

○Lendica

○Lighter Capital

○Kinetic Ventures

Accel

○Andreessen Horowitz

Sequoia Capital

○OnDeck (624 Fico)

○Greenbox (BBB A-rating)

Up to $500K, 5 months in business

 

 

Cannabis Startup Funding

 

○Lendica

○Lead Funding

○Kind Growth Capital

Fast and flexible

IndoGro Capital

Real Estate Cannabis industry

○Green Growth Investment

Work with licensed cannabis business opportunities

○Fundanna 

Flexible, fast, and renewable

Fundanna by truCrowd

Raise money through crowdfunding for early-stage cannabis investment

○Emerald Park Capital

○Casa Verde Capital

Venture Capitalist funding

○Cannabis Credit Linens

The money you need in as little as 2 weeks

 

 

Business Line of Credit

 

○Ampla

Secure growth capital to scale your business

○OnDeck

Revolving lines of credit, $6k to $100k, 12 months repayment terms, automatic weekly payments

○Headway Capital

Fast Funding, money like tomorrow, 12-24 months, flexible repayment schedule, easy application

○Fundbox

Fast, simple,6. with you in control

○Bluevine

Lines up to $250K, funds on demand, financing that grows as your business grows.

○Quickbooks Capital

You must subscribe through QuickBooks online for fast, flexible Funding up to $50K, which will not impact your credit.

○Backd Business Funding

Draw funds anytime, use it any way you want, $1K to $750K

○ARF Financial

Highest approval up to 36 months repayment term; you can pay down to borrow additional funds

○American Express (640 Fico)

You pay only for what you borrow. It would be best if your monthly revenue were at least $3K, and the term could be up to 18 months.

○Greenbox (BBB A-rating)

5 months on business up to $500K

 

 

Startup Financing 

 

○Kiva

$1K to $15K, no minimum credit score, up to 3 years

○Credibly (500 Fico)

$5K to $600K, in business for 6 months, with a minimum monthly revenue of $15K

○Fora Financial (500 Fico)

$5K to $1.5M, in business for 6 months, with minimum monthly revenue of $15K

○Greenbox Capital (BBB A rating)

$3K to $500K, in business for 5 months

○QuickBridge,

Funds in 24 hours, 6 months in business, 

○QuickBooks (625 Fico)

One year operation, up $250K

○Fora Financial (570 Fico)

Up to $1.5M, 6 months in business, Funding in 24 hours

○Fundbox (600 Fico)

Up to $150K, 3 months in business, and $100K in monthly revenue

○National Funding (600 Fico)

Up to $500K, 6 months in business, Funding in 24 hours after approval

○Balboa Capital (620 Fico)

Up to $250K, $300K annual revenue, one year in business

○BizCredit (575 Fico)

Up to $1M, Good for Term loans and Commercial Real Estate also, 6 months in business

○American Express (660 Fico)

In business for one year, $3K monthly revenue, up to $250K

 

Commercial Real Estate Loans

 

○iBorrower 

A Private commercial real estate  lender

○HouseMax Funding

Best Hard Money Lender for Accessibility

○Easy Street Capital

Best Hard Money Lender for Fast Closing 

○Express Capital Financing

Best Hard Money Lender for Loan Product Variety

○RCN Capital 

Best Hard Money Lender for Lowest Rate

○Jet Lending 

Best Hard Money Lender for Customer Service and Accessibility

○Park Place Finance

Best Hard Money Lender for First-Time Fix and Flippers

○Kiavi

Best Hard Money Lender for Optimized Online Processes

○Private Capital Investor

○GoKapital

○CMBS Loans

 

 

 

 

Sub-Prime Mortgage Financing

 

○Optimum First Mortgage

○Sage Home Loans Corporation

○Third Federal Savings & Loans

○New American Funding FHA (500-580 Fico)

3.5% downpayment -3.0%downpayment

○Rate FHA (580 Fico) 

3.5% downpayment.

○Guild Mortgage FHA (540 Fico)

3.5% downpayment

○Carrington Mortgage Services FHA (500 Fico)

3.5% downpayment

○Network Capital FHA (540 Fico)

3.5% downpayment

○Flagstar FHA (580 Fico)

3.5% downpayment

○One airway Independent Mortgage FHA (580)

3.5% downpayment

○Wells Fargo, VA (600 Fico)

0.00% downpayment

○nbkc bank (620 Fico)

3% downpayment

○One ticket Mortgage (580 Fico)

3.5% downpayment

 

 

HMDA allows regulators and the public to determine whether lenders are serving the housing needs of their communities equitably. The law also aims to identify lending patterns that could be discriminatory and provides public officials with information on mortgage lending in their communities so they can make better policy and budgetary decisions. Home Mortgage Disclosure Act requires mortgage lenders to report information regarding their lending practices to ensure fair and equal lending for all borrowers. I help to ensure lender accountability for a residential mortgage. The Consumer Financial Protection Bureau (CFPB) enforces HMDA.

 

 

Merchant Cash Advance (MCA)

 

○Expansion Capital Group (500 Fico)

Up to $300K for lousy credit

 ○Fora Financial (570 Fico)

Up to $1.5M, Flexible qualification requirements.

○Giggle Finance (300 Fico)

Up to $5K, freelancers and self-employed individuals

○Credibly(500 Fico

Up to $600K, time in business 6 months, annual revenue $180K

○Reliant Funding (525 Fico)

Fast Funding, even the next day, time in business, $60K annual revenue.

○Rapid Finance (600 Fico)

Up to $500K, time in business 3 years, monthly revenue $10K

○Forward Financing (500 Fico)

One year in  business, $10K monthly revenue

○Lendr (500 Fico)

One year in business, $10K monthly revenue, high advances, and good customer reviews.

○Payability (No Min Fico)

Nine months in business, $50K monthly revenue

○Libertas Funding (630 Fico)

Up to $5M, term to 24 months, 2 years in business, US citizen or ○Green Card, same day financing available, no prepayment penalty

○Sunwise (500 Fico)

High Interest rate, Up to $5M, $200K Annual Revenue

○Go Kapital (No Min Fico)

High Interest, 18-month term, and $360K Annual Revenue.

 ○PayPal Working Capital (580 Credit Score) ****

Up to $250K, no credit check, up to 17 to 52-week repayment term,3 months in business, $15K annual revenue.

○Fundible (450-500 Fico)***

$5K to $10M, 6 months in business, $100K annual revenue, low rates, minimum loan term 1 year to 10 years, same day funding, no prepayment penalty.

 

Not All Lenders are created equally. When you consider doing a MCA loan, consider the following factors and ask questions about these factors:

Funding availability, cost of borrowing, repayment options, qualification requirements, speed and application process, transparency and lender reputation, and Confession of Judgement. Please do what's necessary and take care of it.