Partnership Program

We offer multiple funding solutions including:

• Unsecured Personal/Business Loans: $50K-$200K, 5-7 year terms, 7-25% rates
• 0% Credit Lines/Cards: Up to $150K, 0% for 9-18 months
• Working Capital (MCA): Same-day funding, 25-150% of monthly revenue
• Business Lines of Credit: Up to $250K revolving credit
• Term Loans: 1-5 year terms for established businesses
• Long-term Funding: 5+ year terms, bank-like requirements
• Equipment Financing: For business-essential equipment
• Asset-Based Financing: Collateral-backed loans
• Invoice Factoring: For B2B/government invoice payments

We work with most industries including retail, restaurants, construction, professional services, healthcare, e-commerce, manufacturing, franchises, medical facilities, farms, agricultural businesses, and recreational facilities. Ineligible industries include: adult entertainment, airlines, auto dealerships, bitcoin/crypto companies, churches, collection agencies, check cashing, bail bonds, debt consolidation, gambling, and other high-risk industries.

Credit requirements vary by product type. Minimum 580 credit score for asset-based financing, 650+ for unsecured personal loans, 680+ for 0% credit lines, and 700+ for business lines of credit. We work across the credit spectrum with alternative products for lower scores.

Startups with 700+ credit scores can qualify for unsecured personal loans even if pre-revenue. 3 months minimum for Working Capital/MCA, 6-12 months for most business products, and 1+ year minimum for business lines of credit. Established businesses (2+ years) qualify for better rates and terms.

Revenue requirements vary by funding type, but generally range from $10,000 to $50,000+ per month in gross revenue. For smaller businesses, we focus on consistency and growth trends rather than just raw numbers. Cash flow and bank statements are key factors in our evaluation.

Funding speed varies by product: Same-day funding for Working Capital/MCA, 2-4 days for Business Lines of Credit, 5-7 days for Unsecured Loans, 7-14 days for 0% Credit Lines, 2-4 weeks for Term Loans, and 30-90 days for Long-term/SBA funding. Most clients receive funding within 1-2 weeks.

Commission structures vary based on funding type and loan amount, typically ranging from 1-5% of funded amounts. We'll discuss specific commission rates during your partnership consultation, as they can be customized based on your referral volume and partnership level.

Personal guarantees are common in business funding and depend on the specific product and business profile. We always aim to minimize personal liability where possible and will clearly explain all terms before any commitments are made.

Basic requirements include 3 months of business bank statements (all pages), completed application, and 3-in-1 credit report (available at MyScoreIQ.com). Additional documentation may include tax returns, profit & loss statements, or property valuations depending on the funding type.