For new businesses, a term loan is a good starting point. It offers a fixed monthly payment over a longer period, reducing stress and supporting early profits. With this loan, you always know your monthly payment, and you can pay it off early, without extra fees or penalities, as your profits grow. This helps to improve your credit score and borrowing capacity. This program can approve loans up to $150,000 based on documented income.
Imagine getting approval for up to $50,000 from a bank without having to submit any documents? No doc loans provide clients with good credit access to loans up to $50,000. We collaborate with multiple banks that offer these loans, providing our clients potential access to up to $250,000. Paired with personal and business credit cards, these loans can be the essential tools many entrepreneurs need to start their business journey. This option is ideal for individuals who are tax delinquent, have low reported income, or wish to avoid lengthy underwriting processes.
One common way to finance a business is through personal credit cards, especially if you qualify for 0% offers. These cards allow interest-free borrowing, making them a popular choice. Keep in mind, they are personal cards and may impact your credit usage early on. If you're okay with that, and meet the credit requirements, our team can help secure up to $150,000 for you.
Embrace the power of accessing funds in your business name, opening doors to endless opportunities for success. For those with a solid credit profile, combining this with other sources of funding can be a game-changer. Clients who qualify for both business and personal credit cards often seize the chance to double or even triple their available capital, paving the way for unprecedented growth and prosperity.
What kind of investment are you interested in? Whether it's short term, long term, or multi-unit deals, we can provide you with the best funding options tailored to your project and goals. We help secure financing for a wide range of properties, making it accessible for both experienced and inexperienced investors.
One common way to finance a business is through personal credit cards, especially if you qualify for 0% offers. These cards allow interest-free borrowing, making them a popular choice. Keep in mind, they are personal cards and may impact your credit usage early on. If you're okay with that, and meet the credit requirements, our team can help secure up to $150,000 for you.
If you are seeking a quick $50,000, or you are looking to acquire a business, or buy out a partner, the SBA lending programs may be best for you. The SBA offers rates closest to prime, and longer terms up to 10 years, all with monthly payments. Their 504 program allows for the purchase of commercial properties and extends out 30 years.
Whether your credit card debt is from personal spending, or business investing, we can help you consolidate your credit card debt or higher interest loans into one payment. Saving thousands in interest, resetting your available credit, and dramatically improving your credit score because of utilization.
Do you need to upgrade, replace, or add a piece of equipment to your business? We can get you a monthly payment term up to seven years. This allows you to borrow additional funding, without the fear of decline. Another great benefit of equipment financing is that your payments will report to your business credit. As a borrower, this funding can be utilized on a new or used piece of equipment from an approved US Vendor.
We are more than just Consultants or Funding Experts.
Have you ever heard the phrase, ‘ignorance is bliss’?
Did you know that 8 out of 10 new business owners make critical mistakes in their first year? Don’t be part of that statistic. Take proactive steps to avoid common pitfalls and ensure your success from the start.
At Mina’s Consulting, our clients not only secure funding, but also gain peace of mind knowing they are in full legal compliance. Partner with us to improve your lending profile, this directly affects the amount of funding you receive as well as the terms and interest rates.
Unsure about how to secure funding or the legal requirements involved? Don’t worry – our experts will guide you through the entire process.
Looking to make your money work for you?
Our data-driven investment opportunities and expert property management services are here to help you grow your wealth with confidence.
We utilize our cutting-edge real estate analyzing software which compiles over 120,000 data points globally to create precise Income Projection Reports. This eliminates the guesswork, ensuring you’re informed about your property’s earning potential.
Interested in learning more? Contact us for an Income Projection Report using our proprietary Income Calculator. Experience a 30% revenue lift compared to self-management.
For businesses that are pre-revenue or under two years old, this information is for you:
Whether you are in the idea phase, or have already started, we understand your needs, and have the strategies in place to help you grow.
What’s Required For Funding
Are you ready to explore securing your first property, looking at breaking into a new area, or investing in a different type of real estate? Our experts have the experience, industry knowledge, and vetted funding partners needed to get you the cash you need to close the deal!
What’s Required For Funding
Do you currently run a cash flowing business? We can help you purchase inventory, get a new piece of equipment, open a new location, break into a new market, buy out a partner and everything in between.
When securing your funding, our experts focus on affordability and profitability. If you have credit challenges, we aim to get you the funding you need now, and provide a 90-day actionable plan to get you into better funding options in the future.
What’s Required For Funding
The turnaround time for each client will vary based on their credit profile, income and goals.
When it comes to getting funding for our clients, we have programs that can offer funding quickly, and others that take more time:
Advances & Business Lines of Credit take 1-3 business days and are for established businesses.
Term Loans for startups and newer businesses take up to 2 weeks.
Personal & Business Credit Card programs take 14-30 days.
Real Estate Loans are likely to take up to 30 days.
Not all clients immediately qualify for funding. Lenders prioritize those with good credit and stable income. Issues like charge offs, collections, late payments, or high utilization can affect your chances. Some programs may require credit repair, a process that takes 3-18 months. Our credit repair partners can help improve your scores to secure better offers.
In business funding, your personal credit score does matter. A score over 650 offers monthly payment options, while over 700 provides a better APR, longer terms, and no doc options. Most lenders prefer W2 income for loan approvals. For 1099 workers, good income on tax returns is important. Revenue issues may affect your eligibility for long-term funding.
For businesses earning over $20,000 per month, various loan options may be available. Otherwise, an advance may be the only choice. Common revenue issues include losses on business tax returns, mixing personal and business funds, and low daily balances. Working with Mina’s Consulting can help overcome obstacles and improve future funding prospects.
Getting funding does not involve any upfront or application fees. However, our startup, debt consolidation, personal loans, and credit card programs require a 10% back-end fee due only once you are fully funded.
No, we are funding experts who specialize in finding the best funding options across multiple lenders without the hassle of spam calls, complex processes, or unnecessary hard credit pulls. Our exclusive marketplace offers a wide range of funding products for all credit and income profiles, unlike traditional banks with more limited options and stringent requirements.
We use a soft pull system to protect your credit throughout the entire funding process. A hard pull will only be conducted at the final underwriting stage in which you have accepted an agreeable offer.
Many programs do require a personal guarantee (PG). Business advances do not require a personal guarantee, but if you default, you will still be responsible for repayment.
This is a commonly misunderstood concept. You can obtain business credit cards using your EIN, but your SSN will also be considered, and a personal guarantee will likely be required for funding. Be cautious of anyone who claims you need only an EIN for funding, as this can indicate a dishonest or illegitimate lender.
Funding can be received within 2-3 days for some programs and 1-3 weeks for others. Your dedicated expert will inform you of the time frame during your processing call.
Business funding typically does require a business bank account. However, startup loans, personal loans, and credit cards are exceptions to this requirement.
No, it’s not responsible to promise or guarantee funding to a client when there are so many variables at play. Many agencies that make such guarantees are acting illegally or irresponsibly, especially if they charge an upfront fee.
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