Ra'Shawn D. Florunoy

Misha Gore

Independent Sales Agent

803-556-5355

Get The Funding You Need!

No hype.   No cost.   No affect to your credit score.

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

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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. 

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Business Consultant Fee

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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.