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Real Estate and Business Financing

Loan type

Construction

Bridge

Secured & Unsecured (LOC & Term)

Business Loans

Mini-perm loans

Perm Loans

504 SBA

PARAMETERS

up to 80% LTV and 85% LTC

DSCR 1.2x -1.3x but can go as low as 1.05x -1.0x

DSCR Projection based on new development or business

Term 5 yr – 10yr or longer in some cases 

Up to 25 yr am

Rate – floating of fixed

Rates WSJ Prime +/-

(6.5% –  7.5%) +/- range right now

Term Loans

Term 12-48 months – 

Average Gross Revenue of $25,000+ per month or $275,000 per year 

FICO Score 600+ (we do a soft pull) 

2 Years+ Time in Business 

Working Capital

– Term 12-24 months but are fully customizable. Terms can be lowered to as short as 6 months per client request

– Average Gross Revenue of $10,000+ per month or $120,000 per year 

– NO Minimum FICO 

– 6 months Time in Business 

As a marketplace, we can work with businesses within any credit box, with very few industry restraints. Some of the top industries that we provide financing for here are 

Trucking/Transportation/Logistics/Freight

Retail/Restaurant/Convenience Store/

Construction/Remodeling/Specialty/GC/Sub

Medical/Healthcare/Home Healthcare

Real Estate/Property Management/Builders

Some of the core products we are offering currently and the requirements are below

Term Loans

Term 12-48 months – 

Average Gross Revenue of $25,000+ per month or $275,000 per year 

FICO Score 600+ (we do a soft pull) 

2 Years+ Time in Business 

Working Capital

– Term 12-24 months but are fully customizable. Terms can be lowered to as short as 6 months per client request

– Average Gross Revenue of $10,000+ per month or $120,000 per year 

– NO Minimum FICO 

– 6 months Time in Business 

Business Lines of Credit

– Term 6-36 months

– Average Gross Revenue of $25,000+ per month or $275,0000 per year 

– FICO Score 650+

What separates our programs from that of traditional/conventional banking are:

– No Minimum FICO Needed

– No Industry Restrictions

– No Geographic Limits (All 50 states)

– Only 6 Months Time in Business Required

Product: Small Business Loan

Amount: $700,000

Industry: Business Services

Term: 15 Months

Location: Georgia

Time to Fund: 4 Days

Unique Facts: This business used the funds to grow its team and enhance services—positioning them to secure

larger, higher-value contracts.

Product: A/R Line of Credit

Amount: $850,000

Industry: Manufacturing

Term: 12 Months

Location: Utah

Time to Fund: 4 Days

Unique Facts: This business used an A/R line of credit to unlock cash flow from outstanding invoices—allowing them to cover payroll, pay vendors on time, and scale operations without disruption.

POF via Bank

• Proof of Funds will be for 30 days, unless otherwise negotiated for longer terms.
• This will be structured as a Joint Venture with the owner of the funds. The joint account will be in both parties’ names at Santander Bank
• Because it’s a JV structure, Account can be easily verified by Phone, Email or Live Zoom Call with the Bank Officer.
• A Bank Comfort Letter (BCL) or Bank Statement will be provided as well as proof of your capability to engage your transaction.
• The account can be Blocked or held by Administrative Hold.

POF via Attorney Escrow

• Proof of Funds can be set up for 30 days and longer.
• This can be verified via attorney.
• A letter from the attorney attesting to funds or bank statement can be provided.
• Funds will be held via an attorney IOLTA account
• Max amount is $300 Million.

POF via Crypto wallet

• We can provide a wallet address and can go from $1m to $350m
• We can show control from wallet A to B
• We can provide a handshake or receive one to show control of wallet
• We will not offer account access, or account information.

Procedure:

1. Client is provided with a quote regarding Service Fee for account

set up.

2. Client submits POF Application and proof of capability to pay

service fee.

3. Client is provided with Service Contract for their review and

execution.

4. Within 1 Business Day of contract execution, client will wire

service fee to designated Escrow attorney or Paymaster.

5. Within 48 hours of Escrow Deposit, Provider will deliver POF

documents/wallet and/or Bank Officer contact information to Client.

6. Client communicates with Bank and verifies account.

7. Upon successful verification, Client instructs Escrow Attorney to

release service fees to Provider. PAYMENT ONLY OCCURS AFTER ACCOUNT IS

ESTABLISHED AND VERIFIED BY CLIENT (NO UP-FRONT FEES).

Service Fee: 1-10% depending on amount requested.

Small Business Loans

Small business loans allow existing companies to borrow money from various lenders.

Working Capital / MCA

Utilize your future sales to get great financing terms that are tailored for you.

Business Line of Credit

Flexible financing option that allows businesses to borrow funds as needed.