Your Lending Partner’s Unsecured Business Financing program was created to enable clients to obtain funding based primarily on personal or business credit history. However, even if your credit is less than perfect, or if you have not yet had the chance to establish business credit, you can still use a guarantor (i.e. business partner) with good credit to apply and qualify for your business. We also offer collateral based financing programs to help those with personal credit challenges. Approval amounts range up to $150,000, and you can receive funds at 0% introductory interest rates, with no collateral or cash flow requirements. Rates typically range from 5%+ after the introductory period, depending upon your risk assessment. You can obtain approval for as much as 8 times whatever your highest revolving credit card limit is now. For those without business credit, Your Lending Partner’s business credit-building program can help to quickly establish a business credit profile and score, so you can qualify for unsecured financing based on your business, rather than personal credit. Easy Qualification Process Business lenders will look solely at your (or your credit partner’s) personal credit history. You should have established credit, including open revolving accounts with balances below 30% of your limits. You should have a minimum credit score of 685, and there should be no open collections, judgments, late payments, tax liens, or any other negative items reported. Additionally, you should also have fewer than three inquiries on your credit report within the last six months. Lenders also prefer businesses that have been open for more than a year with active cash flows. Benefits 0% introductory interest rates Established business credit not necessary Application to funding in 3 weeks or less No application fees Credit approvals of up to $150,000 per individual True NO-DOC financing program No collateral requirements Credit partners can also apply No cash flow requirements

Unlike conventional loans that are based on your credit score and personal assets, Your Lending Partner’s Business Revenue Financing program is based primarily on your business’s revenue. Your business can be approved for as much as four to eight percent of its total annual income, with most businesses receiving between ten thousand and two million dollars. Unlike SBA loans, which require a credit score of 620 to qualify, with Business Revenue Financing, you can be approved with a FICO score as low as 500! Within 3-6 months of approval, most businesses are eligible to receive even more funding.  In fact, over 80% of our clients take advantage of this perk. A quick review of your business’s last 2 months of bank statements is all that is necessary for approval.  This is an easy way of providing you with ongoing access to the funds you need to continue to grow your business. Term Most payback terms range from three to eighteen months, and your interest rate and payments are fixed, helping to ensure that your payments remain predictable from month to month. You can also renew your loan and secure additional funds once your initial loan is paid down by 45%. Easy Approval Process Business Lenders will review the last four to twelve months of your business bank and merchant statements and will also confirm that you are processing many small transactions per month and that you aren't frequently overdrawing the business bank account. There should be no derogatory credit remarks on your personal credit report within the last 12 months, no active judgments or collections in unpaid status, and no bankruptcies. Benefits Access 4-8% of your business’s total revenue up to $500,000 Fixed interest rates and payments Application to funding in 7 days or less Get approved for additional future funding No application fees No collateral requirements 3-36 month terms Approval with scores as low as 500

Our Merchant Cash Advance (MCA) financing program has quickly become the most popular way to obtain funds.  This is in large part due to the easy qualification process. This program is perfect for business owners who accept credit cards, and funding is based strictly on your cash flow.  Financials, resumes, or any of the other burdensome documentation that most conventional lenders demand are not required, and you can obtain approval for up to $250,000 in financing, even with a low credit score and no collateral. Easy Approval Process The approval process couldn’t be easier!  Companies with $50,000 or more in revenue can obtain approval, even with the business owner having a credit score as low as 500. The lender will need to review 4-6 months of your bank and merchant account statements, confirming that you are managing your merchant and bank accounts responsibly and have a consistent number of credit card transaction deposits each month.  You will need to have been in business for at least one year, and initial loan amounts are usually around $20,000. Lenders often pull your business credit, so you should have at least some credit specific to your business already established.  Lenders will also occasionally want to see tax returns. Most businesses are approved within 24 hours, with funds in hand within 72 hours of the application submission. Current Credit Issues?  No Problem! Our Merchant Cash Advance program was originally designed for business owners who have credit issues. You can obtain approval with a score as low as 500, even with recent derogatory items and collections on your credit report! Benefits Loan amounts up to $250,000 Application to funding within 72 hours Approval with credit scores as low as 500 No application fees No collateral requirements Approval with revenues of $50k or more 3-36 month terms

Do you find yourself waiting weeks, even months, to get paid on your outstanding account receivables? If so, you know that this situation can create major cash-flow issues, as you are forced to absorb the costs until you are paid. In many cases, this lack of cash flow can cause your business to miss out on other orders it receives but can’t fulfill, limiting your business growth as well. Your Lending Partner’s Account Receivable program could be the answer to your problems! This program can advance 80% of your account receivables to you within 24 hours. Rates are often less than 2% and financing is as high as $20 million, even with challenged personal credit! Additionally, this program is not a loan, so you acquire no debt. Easy Qualification Process The lender will review your business’s Dun and Bradstreet credit profile for initial approval, although good credit is not required. You can obtain approval with a personal credit score lower than 500, as lenders are more concerned with the credit worthiness of the companies with whom you have receivables. Your business will, however, need to have been open for at least one year. You can receive your initial approval and funding in 3 weeks or less. Benefits 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 Approval with scores less than 500 Application to funding in 3 weeks or less Get approved with no revenue requirements Get paid on future receivables in 24 hours

Your Lending Partner’s Purchase Order Financing program is a short term finance option that provides the funds to pay your suppliers up front so that you are not forced to deplete cash reserves. In fact, you can obtain funding for as much as 95% of the value of your purchase orders, with rates generally below 4%. This helps to ensure timely deliveries to your customers and allows your company to grow without increasing bank debt or having to liquidate existing assets. 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 The qualification process is very similar to Accounts Receivable Financing in that you do not need financials or good credit to be approved. Lenders will review your outstanding purchase orders and the suppliers by whom they are generated. Approval is based off of the credit worthiness of your suppliers, not you. If the purchase orders are valid and the suppliers you are dealing with are credible, you can obtain approval even with low credit scores and derogatory remarks on your credit report. Plus, application to funding is generally two weeks or less. Benefits Secure funding for as much as 95% of your POs No application fees Approval with severely challenged credit Application to funding in 2 weeks or less Approval with no revenue requirements Rates typically range from 1-4%

If you own more than $500,000 in inventory, Your Lending Partner’s Inventory Financing program might be right for you. This program allows you to use your current inventory, whether it be supplies, retail merchandise, materials, or any other non-obsolescence inventory, as collateral. You can be approved for financing up to 50% of the value of your inventory, and interest rates can be as low as 2% monthly on the outstanding loan balance. Plus, you can be approved in three weeks or less. Qualification Process Much like our Accounts Receivable and Purchase Order programs, you will not need financials or good credit to be approved. You can obtain approval with low credit scores, recent derogatory items, and even major collections listed on your credit report. Benefits Secure financing of up to 50% of your inventory value No application fees Approval with low credit scores Application to funding in 2 weeks or less Approval with no revenue requirements Low-rate financing Credit-line amounts ranging from $250k-500k

Your Lending Partner’s 401k program allows new or existing businesses to leverage assets that are currently in a 401k plan or IRA. You can acquire the capital you need by investing a portion of your 401K or IRA to grow your business, allowing you more control over your retirement plan while simultaneously using the funds to expand your business. As long as you have at least $25,000 in your retirement fund, you can qualify. Plus, whatever percentage of your retirement plan is “rollable” is the amount of financing you can receive. Many of our clients have secured a low interest credit line for up to 100% of their current IRA or 401k value! Qualification To determine eligibility, the lender will require a copy of your two most recent 401k statements. If your 401k has a value over $25,000, you can be approved for a low interest credit line, even with severely challenged personal credit, recent derogatory items, and even major collections on your report. Initial approval and funding are often granted in 2 weeks or less, and the capital can be used for whatever purposes you desire. Benefits No penalties for roll-over No application fees Approval with severely challenged credit Application to funding in 2 weeks or less Approval with no revenue requirements Rates of 5% are common Credit-line for 100% of rollable 401k

Securities Based Financing Your Lending Partner’s Securities-based Financing program offers an easy and flexible way for new or existing businesses to leverage assets that are currently in stocks or bonds. If you have over $25,000 invested in stocks and/or bonds, you can invest a portion of your portfolio back into your business and receive a credit line for as much as 90% of the value of your securities. Interest rates are usually at 2-5%, even with severely challenged credit! Most stocks and bonds are accepted, and you keep all the interest and appreciation earned from your securities. Plus, there is no pre-payment penalty and your securities remain in your name. Application to funding is usually within two weeks. Easy Qualification Process The qualification process is quite simple in that you do not need financials or good credit to be approved. Lenders will require copies of your two most recent securities statements, and as long as your securities have a value over $25,000, you can get approved, even with severely challenged personal credit and recent derogatory comments or credit collections on your report. In fact, clients with scores as low as 500 have obtained approval. Benefits No application fees Approval with credit scores as low as 500 Application to funding in 2 weeks or less Rates of 5% are common No penalties for roll-over No revenue requirements Credit-line for 70-90% of securities value Most stocks and bonds accepted Securities remain in your name You keep all the interest from your securities No pre-payment penalty You keep 100% of your appreciation

Small business loans generally have stricter qualification parameters than other business financing options, but the loan amounts can reach up to $12,000,000 depending upon collateral and the amount of net profit reflected on your business’s tax returns. Additionally, SBA loans offer some of the longest payback terms available for business financing, including 10, 14, and even 20 year terms with rates as low as 5%. Funds can be used for multiple purposes including partner buy outs, real estate acquisitions, and working capital. Application to funding is generally within 2-4 months. Qualification Process Your business must be established with tax returns that confirm solid revenues. SBA will require specific documentation including business and personal financials, resume and background information to confirm your expertise in your field, personal and business credit reports, bank statements, proof of collateral, and a business plan. Benefits Approval amounts up to $12M Financials Required Application to funding in 2-4 months Collateral value equaling 50% of loan amount Lengthy payback terms Rates as low as 5%

Your Lending Partner’s Equipment Financing program can assist you in financing both new and used equipment, and you can use the equipment you are financing as collateral for the loan. You can qualify with only two monthly payments as a down payment and a credit score as low as 640. One hundred percent of your interest is tax deductible, and approval amounts range up to $10,000,000. Furthermore, you do not need financials to obtain approval! Easy Qualification Process Your company must have been in business for at least a year. However, you can obtain approval with challenged credit, and application to funding is generally within 2 weeks. You will be asked to provide details as to the equipment you are leasing, as the lender will be using it as collateral against the loan. Financials and cumbersome documentation are not required, and you can be approved for as much as $10,000,000. Benefits No application fees Interest is tax deductible Application to funding in 2 weeks or less Purchase, lease, or borrow against existing equipment Loans to $10,000,000 Approval with a 640 credit score and up

Your Lending Partner’s Home Rehabilitation Loan program is tailored to the real estate investor experienced in purchasing, rehabilitating, and flipping residential properties. We understand that most investors needing funding for short-term residential projects are declined by traditional banks. Not so with our program! In fact, you can obtain approval for the full amount of funds you are requesting (up to $2M) as long as the amount is 65% or less of after repair value. Plus, there is no prepayment penalty! Most terms are 6 months or less although we can work with you on extended terms, if necessary, and application to funding is 3 weeks or less. Approval Requirements There are three primary requirements you must meet in order to obtain approval:

1. You should have prior and recent experience in flipping residential houses. Lenders will ask that you list your recent projects to confirm that you have recently sold two or more homes.
2. You should have a credit score of at least 640 with no recent negative credit comments on your report.
3. You should have at least $30,000 in current liquidity. You will be required to put funds into an escrow account for security.

Benefits 100% of funds to purchase and rehab property No application fees Approval with 640 or higher credit score Application to funding in 3 weeks or less Rates of 8-18% based on risk Get financing for multiple homes Loans up to $2M

Your Lending Partner’s Commercial Real Estate Financing program is targeted to commercial real estate investors looking to grow their business. Loan amounts range from $75k to $20M and can be used for a wide variety of projects including medical and dental offices, industrial facilities, light manufacturing buildings, auto dealerships, mixed use properties, commercial condos, light auto services, day care centers, assisted living facilities, entertainment venues, retail ware-houses, multi-family properties, self-storage facilities, and more! Funds can also be used for refinancing a property, even if you are doing a cash-out refinance! Approval Requirements: You must have a credit score of 650 or higher, and lenders will want to see your business tax returns, financials, and bank statements, confirming that you have the cash flow to support the new loan payments. Benefits Approval amounts up to $20,000,000 Extended loan terms of 20-30 years ensuring low payments Low interest rates

Your Lending Partner works with a wide array of private investors who are seeking opportunities in which to invest. Many businesses who have been denied SBA loans were able to obtain approval for a credit line or loan with a private investor. Rates vary based on risk and generally range between 5 -18% with terms of 10 or even 30 years. Loan amounts can range from $25,000 into the millions. What’s more, you will not be required to give up any percentage of ownership equity in your business. Easy Approval Process Private investors are primarily interested in two facets of your business.

1. Investors want to see that you have at least two years of tax returns reflecting a profit. They also want confirmation that your sales and profits are increasing year over year.
2. Investors require that you have a minimum credit score of 640 without any recent severe negative credit items on your report.

Fortunately, your tax returns, credit report, and bank statements are all that is required. Benefits Loans from $25,000-2,000,000 Approval with a 640 and higher credit score Collateral valued at 20% instead of 100% like conventional loans 72-hour pre-approval Rates of 5-18% based on risk Both credit lines and loans are available