Tag: Loan

Business Loan Rates #business #training

#business loan rates

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Alaska USA

Business Loan Rates

Copyright 2016

Alaska USA and UltraBranch are registered trademarks of Alaska USA Federal Credit Union.

Mortgage loans are provided by Alaska USA Federal Credit Union in Arizona. Mortgage loans are provided by Alaska USA Mortgage Company, LLC in Alaska, Washington and California. License #AK157293; Washington Consumer Loan Company License #CL-157293; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License #4131067.

Insurance services offered through Alaska USA Insurance Brokers, LLC. Insurance products are provided by various carriers and are obligations of the issuing insurance company. They are not obligations of or deposits to Alaska USA Insurance Brokers, Alaska USA Federal Credit Union, or its subsidiaries, and are not insured by the National Credit Union Administration. Some products are not available in all states.

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Business Loans – Check Business Loan Interest Rate – Eligibility Online at HDFC Bank #printing #business #cards

#business loan

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Business Loan

  • Features Benefits
  • Eligibility
  • Fees Charges
  • In – Principle loan eligibility in 1 Minute online and across all branches
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all Branches
  • Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.
  • Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).
  • Flexible repayment options ranging from 12 – 36 Months.
  • Credit Protect Insurance Plan:
    We help you take care of your loved ones with a Credit Protect Plan to cover your loan at a nominal premium.*

In case of Natural / Accidental Death of the customer, the customer / nominee can avail of the Payment Protection Insurance (Credit Protect) which insures the principle outstanding on the loan up to a maximum of the loan amount.

We will charge a premium for this product, and the premium amount will be deducted from the loan amount at the time of disbursal. We will also charge service tax and applicable surcharge/cess at the rates notified by the government.

Secure your business loan with Credit Protect.

Key benefits of policy

  • Protects the family by paying off the loan amount in case of death of the customer
  • Life Coverage provides peace of Mind
  • No need to use other savings to repay the loan
  • Tax Benefits as per applicable laws
  • One convenient package – loan + insurance

* Premium will be charged for Credit Protect will be deducted from the loan amount at the time of disbursal.

(* terms and conditions of the Insurers shall apply, Above product is offered by HDFC Life Ins Co.ltd)

Already have a Business Loan?

Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.

  • Interest rate as low as 14.99* % on existing loan transfer.
  • Processing fees as low as 0.99%

Now reduce your EMI burden with our balance transfer programme

Get details on eligibility criteria documents required for HDFC Bank Business Loan

Self Employed including Individual Proprietors, Private Ltd. Co. and Partnership Firms involved in the Business of Manufacturing, Trading or Services.

  • Minimum Turnover of Rs. 40 Lakhs.
  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
  • Age of Applicant: Min 21 years Max. 65 years at the time of loan maturity.

Documents you will need to submit:

  • PAN Card For Company /Firm/ individual.
  • Proof of your identity: Copy of Aadhaar Card/Passport/Voter s ID card/driving license.
  • Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance sheet and Profit Loss a/c for the last 2 years. Financial should be CA Certified /Audited.
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum Articles of Association (certified by Director) Board resolution (Original)

Loan at the sole discretion of HDFC Bank Ltd.

Enclosed below are HDFC Bank Business Loan Interest Rates Charges





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Business loan application #business #development #jobs

#business loan application

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Can I ensure my business loan application is accepted?

Assessing your business loan application

When assessing your business loan, we’ll ask you:

  • Can you afford the business loan?
    We’ll need your financials for the last 2 years including balance sheets, profit and loss and tax returns. Having access to this historical information helps us determine whether your business can meet your future loan repayments.
  • Can you provide security for your loan?
    You’ll need to secure your business loan with an asset, usually property (residential, commercial or rural) depending on the type of business. Find out what you can use as security for your business loan.
  • Will you be able to continue making repayments?
    We’ll evaluate your business by looking at your plans, competitor activity, suppliers and business contracts to determine whether your business will have enough revenue to meet your repayments in future.

What if you’re starting a new business?

If you’re starting a business, you won’t have historical financial statements but you will need to provide a detailed business plan with profit and loss forecasting to support your business loan application.

And if you’re buying an existing business you’ll need to show the last 2 years profit and loss statements when you submit your business loan application.

How to strengthen your business loan application?

Improve your future borrowing potential by taking some basic steps today:

  • Maintain accurate, up to date financials. This provides a clear understanding of your business income and whether you can afford the business loan.
  • Make sure you have enough money to cover costs. If you have an existing business loan don’t overdraw your account and make consistent additional repayments when possible.
  • Maintain a good credit history by paying off your debts on time. All your credit activity (personal and business) is kept on file for 5 years – including your loan details, repayments, overdue accounts – and lenders use this information to assess whether you’re credit worthy

If you’d like to discuss your options with a business manager, complete our short enquiry form and we’ll contact you or call us on 132 142 (8am-8pm, Mon – Fri).





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How to Apply for Your First Business Loan #business #search

#apply for a business loan

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How to Apply for Your First Business Loan

Continue Reading Below

Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

Continue Reading Below

The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

Amount: How much money do you want to borrow? Why that particular amount? Term and

Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

If your no comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like Kabbage.com, which offers cash advances of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.





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Loan to Start a Business, Financing to Buy a Business, Loans to Expand a Business SD #start #your #own #business #ideas

#business acquisition loan

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When you’re running a practice and buying a building at the same time, you need people you can trust.. Deb Telles
Cardiovascular Associates

The bank and CDC were amazing. Their teamwork exceeded my expectations and they bought into our dreams.. Salvador Garcia
Owner
Graphicom Digital

With interest rates low and building costs rising, the timing seemed right to buy our own building.. Randy Mintz
Owner
Z Sports

I partnered with CDC because they have the expertise to provide immediate answers for my clients.. Richard Willner
Business Community Capital

The people at CDC held our hands as we walked through the SBA process.. Gurchuran “Gogy” Sandher
Owner
Saagar Fine Cuisine

My bank suggested SBA-504 financing because of the low down-payment, which allowed me to save my cash for the business.. Jim Tankersley
Owner
Laser-Tronics

I use the 504 program because it s good for my clients. I use CDC Small Business Finance because they re reliable and provide excellent service.. Lan Ward
Senior Vice President
California Bank Trust

CDC was the key to us getting what we consider a killer deal. CDC staff were honest, straightforward and always quick to respond.. Randy Ling Tan
General Manager
G.L. Food Wholesales

CDC Small Business Finance provided a turnkey solution and timely service.. Brett Noss
Chief Financial Officer
Advantage Mailing

We were confident in our business plan and put our faith in the high-energy people at CDC.. Kayla Sharp
Chief Executive Officer
Spectre Industries

Start, Buy, Expand a Business

There are a variety of financing programs available to help both new and established businesses grow and generate jobs. We are a leader in offering loans to women, veteran and minority-owned businesses, as well as businesses located in low-to-moderate income areas.

What’s the right loan for you?

Whether you need money for working capital to help run your business, or are looking to purchase a $2 million building, there’s a good chance we have the right loan for you. With just a few questions, we can start you on the right path!

Video: Tips on preparing your loan application





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How to Get a Small Business Loan – Finance a Business – Wells Fargo #business #cards #design

#getting a small business loan

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Financing a growing business

Learn about financing options for small businesses.

Supporting both the operation and expansion of a growing small business often requires some additional financial support. Getting a small business loan or grant can help you bridge the gap when you need to make capital investments, increase your workforce, or move to a larger space. To help you decide which type of funding might be right for you, here are a few great small business-financing options:

Line of credit. Using a line of credit as working capital can make it easier for you to manage your cash flow as your income or expenses fluctuate. It allows you to borrow only the funds that you need giving you more control over the amount of interest you will accrue.

Business loans. For larger investments, it may be time for a term loan. Like a mortgage or personal loan, term loans come with fixed interest rates and monthly payments over a period of years. Unlike a line of credit, a business loan will provide you with a large sum of cash upfront. These loans can be ideal for expanding your space or funding other large investments.

Commercial loans. For established businesses that own commercial real estate, a commercial loan is another option. Like a home equity loan, a commercial loan allows you to borrow against the equity you’ve built in your business property. Depending on the value of the property and the equity you hold, this could mean more borrowing power.

Equipment loans. If you’re specifically looking for cash to fund the purchase of new equipment – including vehicles, manufacturing or production machinery, farming equipment, or other necessary equipment – then an equipment loan or leasing program may be what you need. Like business loans, equipment loans offer fixed interest rates and payment plans over a period of time.

SBA loans. Wells Fargo is the nation’s #1 provider (by dollar volume) of loans guaranteed by the US Small Business Administration – or SBA 7(a) loans. SBA 7(a) loans have longer repayment terms and lower down-payments than most conventional bank loans, and can be used for the purchase of owner-occupied real estate, business acquisition, equipment, or working capital. Wells Fargo also offers the SBA 504 program for larger, fixed asset purchases or construction.

Federal or state grants. Small business grants – money that does not need to be repaid – are limited and harder to secure than loans. State and federal business grants are funded by taxpayer dollars, and the money is awarded through a complicated legislative process. For more information on how to get a small business grant, visit www.grants.gov.

By knowing which small business financing options are available, you’ll have a better idea of where to turn when you’re ready to take your business to the next level.

Business insights from experts

Discover our comprehensive resource library, offering guidance and information to help you start, run and grow your business.

Wells Fargo Works for Small Business ®





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Top 5 Small Business Loan Requirements – How to get a Small Business Loan #how #do #business #loans #work

#sba loan requirements

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Top 5 Small Business Loan Requirements

The time has come to expand your business with new employees, a larger location or a new product line. It’s an exciting time, but stressful because you’re not sure you have the cash reserves to manage the expansion.

For many small businesses, this situation calls for a small business loan a cash infusion that pays for itself, plus the interest, with the new opportunities and extra income it allows you to create.

Many of our Kabbage customers are new to small business lending. Though they’re familiar with personal loans, they only know the basics of small business loans and lines of credit. For those who “resemble that remark” and for more experienced folks who would like a review of how to get a small business loan here is your expert-researched, Kabbage-curated list of the top five small business loan requirements to get the best possible small business loan.

#1: Strong Credit

The bad news about small business lending is it can be hard to qualify for the best rates and deals. The good news is this decade has more options for good small business loans than any other time in history. You can choose between platform lending. traditional loans (like from a bank) and a variety of hybrid options available from local vendors or via the internet.

This flexibility doesn’t mean your company shouldn’t look as good as possible on paper. Your FICO credit score will figure heavily in any lending decision, so (if time permits) spend time grooming that number in the months prior to applying. Research what other metrics the lenders you want use, and groom them as much as possible, too.

If you have a major ding in your credit, like a repossession or string of late payments, be prepared to discuss them and why things will go better in the future.

#2: Solid Business Plan

Part of understanding how to get a small business loan is ensuring you have a solid business loan. You should have one of these anyway, since a strong business plan is a prerequisite for stellar business success. Traditional lenders will expect to see an updated, professionally prepared business plan as part of the lending process. Lacking one tells them you’re not ready for the “big leagues” and are a bad credit list.

Though platform lenders like Kabbage won’t insist on seeing your formal business plan, similar documents about your social presence, industry statistics and unique market advantages all of which are part of a comprehensive business plan will go into decisions about what to lend you and how much it will cost.

Either way, get a business plan together.

#3: Compelling Personal Resume

Traditional lenders want proof that the people responsible for running a business are qualified to do so, and part of that proof will be seeing the resumes for you and other principles like owners and executive officers. This resume should be as solid, well-edited and up-to-date as any resume you’ve ever sent out.

Consider: the purpose of a resume is to get you the job you want. The purpose of this resume is to get you the job of running the company you want, instead of the company you have.

Platform lenders don’t look at your traditional resume, but they will look at your business’ curriculum vitae in terms of performance metrics and social sharing. Take time to groom those items as substantially as you would a regular resume.

#4: Bulletproofed P L Statements

Like your business plan, you should have these anyway. You should be using your profit and loss statements as part of a robust monthly “vital signs” check for your business. If you’re not doing them, dig into your accounting software for half an hour. You’ll find a tool that compiles P Ls from your records. If you’re not using software to keep track of your financials get started on doing that.

Lenders of all stripes are looking for three things in your P L: reliability, professionalism and ethicality.

  • Reliability – They want evidence that you will be able to make your promised payments, based on enough cash flow to cover the loan. If you don’t, the lender will assume that lending you money is too high a risk.
  • Professionalism – Lenders presented with incomplete, inaccurate or hastily prepared P L statements will assume that your business is similarly disorganized.
  • Ethicality – If you “fudge” your numbers to look better and get caught, you are done with that lender. The decision makers will assume that you cut ethical corners in other places.

#5: Knowledge of the Loan Needed

This is actually the first of the small business requirements that you should address, but we wanted to mention it last so it would be the freshest in your mind. Lending isn’t what it used to be – a situation where you went to a couple of banks, all of which offered the same basic products, and hoped they would agree to give you a loan.

Modern small business lending includes a wide array of traditional, platform and peer-to-peer options with wildly varying qualification requirements and rates of interest. Before you start working in earnest on the other four requirements for your loan, decide what kind of loan you need. That way you won’t waste time and effort preparing the wrong documents.

Do you have a tale of success or woe to share with the Kabbage community about when you aced a loan application or were embarrassingly unprepared? Share your story in the comments below.





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How to Qualify for a Small-Business Loan in 5 Steps #business #loan #calculator

#sba loan requirements

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Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

How to Qualify for a Small-Business Loan in 5 Steps

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Qualifying for a small-business loan is easier when you’re prepared. Below is a to-do list that will help you qualify for the cash you need to grow your business.

Whether you end up applying for an SBA loan through a bank or opt for an online small-business loan, you should be familiar with the requirements of each lender. Knowing whether you meet their criteria before you apply will save you time and frustration.

How to quality for a small-business loan

1. Improve personal and business credit scores

Your personal credit score ranges from 300 to 850 (the higher, the better), and evaluates your ability to repay debts. The score is typically weighed more heavily by small-business lenders if your business is new and lacks credit history. It’s based mainly on three factors: your payment history (35% of your score), the amounts owed on credit cards and other debt (30%) and how long you’ve had credit (15%).

Paying your bills on time is, of course, crucial to improving your score. But even if you pay your bills like clockwork, credit report errors could be damaging your score one in four consumers has damaging credit report errors. However, four out of five consumers who filed a dispute got their credit report modified, according to a study by the Federal Trade Commission. You can get a copy of your credit reports for free once a year at AnnualCreditReport.com and dispute any inaccuracies you find through each of the credit bureaus’ websites (Experian, Equifax and TransUnion).

Businesses that are more established and applying for bank loans can check out their business credit scores (which generally range from 0 to 100) at the three business credit bureaus: Experian, Equifax and Dun Bradstreet. Check out these five steps to building business credit, and if you see any mistakes on your reports, contact the bureaus.

More than likely, you’ll need an excellent business credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank, although this will depend on the individual lender and factors such as your business revenue and cash flow. In general, online lenders look at personal credit scores but are a bit more lenient when it comes to credit score requirements, as they place more emphasis on your business’s cash flow and track record.

2. Know the lender’s minimum qualifications

There’s no way around it: If you don’t meet a lender’s minimum qualifications, applying is a waste of time.

Borrowers typically need to meet minimum criteria related to credit scores, annual revenue and years in business. And lenders generally frown upon recent bankruptcies and other past delinquencies.

To qualify for SBA loans, borrowers also must be current on all government loans and can’t have any past defaults. So if you’re late on a federal student loan or a government-backed mortgage, you’ll be disqualified. You also can’t be on the SBA’s ineligible businesses list. which includes life insurance companies and financial businesses such as banks.

Qualifying for online lenders can be easier. While these lenders typically underwrite loans based on traditional factors such as credit scores, annual revenue and cash flow, the loans carry less stringent requirements than banks.

3. Gather financial and legal documents

Banks and other traditional lenders typically ask for a wide range of financial and legal documents during the application process. They include:

  • Personal and business income tax returns
  • Balance sheet and income statement
  • Personal and business bank statements
  • A photo of your driver’s license
  • Commercial leases
  • Business licenses
  • Articles of incorporation
  • A resume
  • Financial projections if you have a limited operating history

These requirements can make getting a bank loan time consuming. That may not be an issue if you’re in the market for a long-term business loan to finance a major investment.

However, if you need money faster, online lenders may be a better fit, as they can provide a streamlined online application process with fewer documentation requirements and faster underwriting. But they may come with higher borrowing costs. If you have good credit and business finances, however, some lenders may provide rates comparable to those of bank loans.

4. Develop a strong business plan

Lenders will want to know how you plan to use the money and will want to see that you have a strong ability to repay. They may require a solid business plan that details the purpose of the loan and how you expect it to increase profits.

Your business plan should include current and projected financials, and clearly demonstrate that your business will have enough cash flow to cover ongoing business expenses and the new loan payments. This can give the lender more confidence in your business, increasing your chances at loan approval. Your p lan should include :

  • Company description
  • Product and/or service description
  • Management team
  • Industry analysis
  • Facilities and operations plan
  • Promotional, marketing and sales strategy
  • SWOT analysis (strengths, weaknesses, opportunities, threats)

5. Provide collateral

To qualify for a small-business loan, you may have to provide collateral to back the loan. This refers to an asset, such as equipment, real estate or inventory, that can be seized and sold by the lender if you can’t make your payments. It’s basically a way lenders can make back their money if your business fails.

SBA loans require “adequate” collateral for security on all loans, plus a personal guarantee from every owner of 20% or more of the business. A personal guarantee puts your credit score and your personal assets on the hook.

Some online lenders do not require collateral but may want a personal guarantee. Others may also take a blanket lien on your business assets essentially another form of collateral giving the lender the right to take business assets (real estate, inventory, equipment) to recoup an unpaid loan. Each individual lender has its own requirements, so don’t be afraid to ask questions if you are unsure.

If you don’t have collateral to get a loan or don’t want to take on the risk of losing personal or business assets, unsecured business loans may be a better option.

Find and compare small-business loans

If you’re looking for financing, NerdWallet has created a comparison tool list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This post was updated. The post was originally published on Dec. 1, 2015.

Image via iStock.

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Unsecured Business Loan #boston #business #journal

#unsecured business loans

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Unsecured Business Loans

As many small business owners have discovered the hard way, in order to get, sometimes you have to give. This is especially true when it comes to obtaining loans. Oftentimes lenders will require owners to pledge collateral against a loan. However, this isn t always a viable option for business owners, which is why an unsecured business loan may be the ideal alternative.

Business Loans with No Collateral

Essentially, an unsecured business loan is a loan that is issued without collateral being put forth on the part of the borrower. Traditional lenders might require you to put your home or some other type of asset on the line in order to qualify for funding, but an unsecured business loan does away with this requirement.

Lenders use secured loans as a way to cover their bases in case the borrower defaults. This way, even if a business owner is unable to pay back their loan, the lender has some recourse in the form of selling whatever asset has been pledged to cover the costs.

Unfortunately for business owners, they may not always have the collateral necessary to access the cash they need. However, even if an owner does have assets that can be used to secure a business loan. they may not want to put personal property on the line for a business matter.

Get Started Today

Qualifying for an Unsecured Business Loan

Some lenders make it quite difficult to qualify for an unsecured business loan. Because they are taking on more risk, they will have much more stringent qualifying standards intended to show them a borrower has a low chance of defaulting on their loan.

This could include a spotless credit report, a detailed business plan and more.

However, at National Funding, we re dedicated to tailoring loans to fit the needs of small business owners, and that means lending without collateral.

For instance, our merchant cash advance provides business owners with up to $250,000 cash without collateral. We can do this thanks to our special repayment method of taking a small fixed percentage of your daily credit card sales transactions.

Qualifying for this type of loan is easy. The simple criteria you must meet are at least one year in business and monthly credit card transactions averaging at least $3,000. With no fixed payments, hidden fees or upfront costs, a merchant cash advance could be the ideal solution if you re seeking an unsecured business loan.

At National Funding we will never require collateral, so if a cash advance for your business isn’t the right solution, we have many other business financing options available that can be tailored to your needs. Contact National Funding today to explore how our unsecured business loan options can help you meet your goals.

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Quote

Instantly calculate your personal quote for a working capital loan.

What Our Clients Are Saying

National Funding was able to help us add much needed inventory for the upcoming Summer sales. The Process was painless; my sales rep, Eric, was able to answer all my questions, and put me more at ease in budgeting our Working Capital Loan. I would definitely recommend National Funding for any financing needs.

National Funding was able to help us add much needed inventory for the upcoming Summer sales.





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Small Business Loan Applications #business #laptop

#business loan application

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Small Business Loan Applications

Ready to get started? It’s easy at TD Bank. Just download our loan applications to see the information you’ll need to provide when you apply for a loan at your local TD Bank.

To keep your information secure, please print the application, fill it out and deliver to TD Bank in person. Electronic submissions will not be accepted.

  • Small Business Loan Application for loans over $100,000 (U.S. only) (318K PDF)
  • Small Business Loan Application for loans under $100,000 (U.S. only) (184K PDF)
  • Personal Financial Statement (73k PDF)
    Required for all additional applicants with 10% or more ownership in the business.

To expedite the loan process, please be sure to complete all fields on these documents.
If you have questions about completing these applications or about the loan application process, our Small Business Specialists are here to help.

  • Call 1-855-278-8988
  • Request a call from a TD Small Business Specialist
  • Or stop by your nearest TD Bank Store .




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