Basic Requirements

 Personal Unsecured Funding:  Term loans, LOC, Credit cards. Business Cards and LOC Up to  $250,000 per individual 

 

  •    Credit Score of 680 or higher ( we will review 650-679 with solid income )

  •    Verifiable income ( W2, Self Employed, 1099, Taxes) 

  •    Individual Credit history for at least 3 years showing good revolving and/or installment loans. 

  •    No Bankruptcy within the last 3 years, ( much have established credit post bankruptcy) 

  •   Utilization of revolving accounts less than 40%, DTI less than 40%. 

 

 

How to convert Cards to Cash    

 

Take advantage of Cards offering 0% interest. and pay off before the introductory offer. Some cards offer the option of transferring cash to bank account for a small fee 

 

Revenue Based Funding: Most industries welcome with the exception Cannabis . Can not think of any other industries with restrictions.  

 

  • All owners that have a 25% or more stake must be on the application and at least one owner have a 650+ FICO and no bankruptcy filed date within the last 5 years

  • 2 + years in business

  • $360k in gross revenue or more

  • No tax liens or judgements

  • Business is profitable

  • Current loans/MCAs balance needs to be 50% or less of average monthly revenue

 

 

Cash Out Refi Options 

 

  • Min Credit Score 550

  • Rates range from 6-11%

  • Up to 80% LTV with no limit on cash out.

  • Up to 30 year terms

  • Loan amounts 200k-5MM

We will look at all property types in which we can have 1st lien position, as long as it's not residential owner occupied real estate.  We also offer Asset based funding and equipment funding. 

 

What We Offer

We have both business and personal funding options in the types listed below. We have funding options that do not require collateral or even documentation. Because we charge a 15 % Business Consulting fee on what you receive AFTER you receive it, we can use ANY lender, not just those offering commissions and higher rates. We do 1,000’s of applications each month with 100’s of different lenders to include credit unions, banks, peer to peer lenders and a variety of alternative lenders. Below is the type of funding we offer if interested fill out Application below.

                                                        
Unsecured Lines Of Credit

Traditional line of credit from usually form a bank and credit union. Rates range from 8-14% but unlike an installment loan, you only pay interest when you use the money. 680 min credit score. Can get in as little as 3 days.

 

Unsecured Installment Loan

Fixed rate and monthly payment for Terms up usually from 2-7 years.Rates range from 6-20%. 650 Min credit score. No pre-payment fees. Can get in as little as 3 days.

 
Credit Cards

Can be the cheapest option if used properly. Can be turned to cash cheaply. 700 Min Credit score. Will take 5-15 days.

 

Secured SBA LOC

Loan amounts up to 5,000,000. Rates range from 7-10%. At least 2 years in business showing profitable tax returns. Collateral required for loan amounts over 100k. 650 min credit score. Will take 30-90 days.

Secured SBA Installment loan

Loan amounts up to 5,000,000. Rates range from 7-12%. At least 2 years in business showing profitable tax returns. Collateral required for loan amounts over 100k. 650 min credit score. Will take 30-90 days.

 
Revenue Based Loan

Based off revenue of business. Rates as low as 17%. Up to 3 year terms and monthly payment options available for 700+ credit w/ strong profitable business. No Minimum credit score for shorter terms and higher rates. Can get in as little as  1-3 days. There is no way to see what you qualify for without an expert reviewing your specific situation. We can do that without cost, obligation, or even a credit inquiry .

 

Business Consultant Fee

Due to the industry standard there will be a 15% Business Consultant Fee on the amount funded. Failure to pay will result in funds being frozen. 

Information

My Account

Customer Service

Contact Us

5960 Fairview Rd. 
Ste: 400
Charlotte, NC 28210
Phone: (800)-956-8559
Email: info@flournoyfinancial.com

Disclaimer
We are not a Certified Financial Advisor, U. S. Securities Dealer, Stock Brokers or Investment Advisers. Our company has independent sales agents and acting in the capacity of a financial intermediary who provides advice to private individuals on or about business matters. .Please understand that the contemplated transaction(s) is strictly private and in no way relates to the United States securities act of 1933 **(THE"ACT")* http://sblcfinancing.com/assets/sa33.pdf* and does not involve the sale of registered securities. This transaction(s) are private and exempt from the act.

© 2020 FLOURNOY FINANCIAL GROUP A FLOURNOY ENTERPRISES LLC. COMPANY