Dependable Business Capital offers several business funding programs, each with different qualifying parameters. There is no hard credit pull, no upfront fees and no commitment or obligation to apply. It's risk free to find out how much funding you qualify for.

Please contact us to determine what and how to get qualified. With this call we will assess your needs before pursuing a preliminary quote. Once this business funding viability assessment of your needs is met, we will proceed to an application. Our secure application initiates a quote for you within 24 to 48 hours.

Below you will find some of our programs that may fit the needs of your clients.


Personal & Business Funding Program Highlights:

 

INSTALLMENT - CASH LOANS FOR BUSINESS OR PERSONAL

By far the most utilized because of its ease and quickness we can get people 25-300k in cash loans. Cash in your bank account and you have a fixed monthly payment for 2-7 years. Individual loan amounts go up to 100k each with rates ranging from 6-30%, combine multiple for max funding.

Program Highlights

  • 650 MIN score, higher scores needed for most money.
  • You can choose between installment (cash loans) and lines of credit.
  • No Business revenue or business entity needed.
  • No CPN’s or built files.(must use real social security number and have real primary accounts).
  •  Can be in Business or Personal name but all requires a personal guarantee and it’s always easier in personal name.

LINE OF CREDIT FOR BUSINESS OR PERSONAL

Get access to lines of credit that only cost you interest when you are using them. Not Credit Cards; come in amounts up to 50k each and are usually in the 7-12% range.

Program Highlights

  • 680+ Credit Score needed, higher scores get more.
  • No Business Revenue or business entity needed.
  • Can be in Business or Personal name but all requires a personal guarantee.

BUSINESS FUNDING BASED ON REVENUE

Large range of options, in general get 1/12 to 1/3 of your yearly business revenue in form of a loan or LOC. Varies state by state but amounts for business loans and lines of credit can go up to 500k each and have monthly payments. Rates start at 6% and go much higher depending on strength of borrower and company.

Program Highlights

  • Need business revenue to business bank account of 10k/month or more.
  • With scores 500-620, expect daily payments and higher rates with terms less than 1 year.
  • With scores over 620, rates from 6-20% are possible, with weekly or monthly payments.

SBA Loans

Loans under 350k are easier to get now but go to 5MM. Even better, I can tell you if you are in the ballpark for one of these loans by filling out an application.

Program Highlights

  • 650+ personal score needed.
  • No losses on tax returns last 2 years.
  • Best for existing businesses.

ASSET BASED LENDING

Loans can be for almost all types of properties, multi-family, commercial, retail, SFH, etc. NO INCOME VERIFICATION NEEDED. Fill out an application for more info

Program Highlights

  • 650 Minimum score.
  • Loan amounts 100k – 5MM.
  • Rates as low as 7.99%.
  • 30 Year Fully Amortizing.
  • 65-80% LTV.

We fund STARTUPS/BUSINESS EXPANTION!

Program Highlights

  • Cash lines of credit.
  • Term loans with monthly payments.
  • All business categories accepted.
  • 6 months in business.
  • 1 Minute Approval Process.
  • You May Be Eligible For Up To $2 Million Dollars.

We fund STARTUPS with poor credit

Program Highlights

  • Start-ups (no time in business requirement)
  • Funds:  Up to $25,000.
  • Terms and rates: determined on case-by-case basis.
  • Credit required:  620+.

We offer funding for Medical Professionals

Program Highlights

  • We have business lines of credit for doctors.
  • You May Be Eligible For Up To $2 Million Dollars.
  • 1 Minute Approval Process.

Low Cost Alternative to Merchant Cash Advance

Program Highlights

  • 6-24 month amortizing business loans.
  • Financing fee: 1 - 1.5% monthly.
  • Daily payments.
  • Loan size: $150,000 - $3,000,000.
  • ALL industries, including Cannabis.
  • Will pay off existing advances.
  • Requires 670+ FICO.
  • 1 Minute Approval Process.

Can’t qualify for an SBA loan

Program Highlights

  • We can offer 3 to 7 year loans at 7-10%.
  • Startups with no industry experience.
  • No collateral.
  • Positive cash flow required.
  • No industry exclusions.
  • Funding from $20,000 to $250,000.
  • 1 Minute Approval Process.

Funding Alternatives for Business Owners

Program Highlights

  • FICO's under 600.
  • Loans and LOC's.
  • Upto $1 million for retail stores.
  • Upto $350,000 for non-retail.
  • Must be in business 6 months with $10,000/month revenue.
  • Rates as low as 8%.
  • Terms out to five years.
  • These are not cash advances.
  • No upfront fees.
  • You don't need a 700 FICO to get bank-style terms.
  • Bankruptcy - Not a problem
  • 1 Minute Approval Process.

Loans for startups that don't qualify for leasing

Program Highlights

  • Cash for down payments.
  • Unsecured loans.
  • Cash LOC's.
  • You May Be Eligible For Up To $2 Million Dollars.
  • Rates 7-10% with 680+ FICO.
  • 1 Minute Approval Process.

Need LIQUIDITY to qualify for financing

Program Highlights

  • Get a no-collateral loan.
  • Cash LOC.
  • You May Be Eligible For Up To $2 Million Dollars.
  • FICO of 680+ required.
  • 1 Minute Approval Process.
  • These are cash loans, not credit cards.

Hard Money and Bridge Loans

Program Highlights

  • Credit Score Not A Factor
  • LTV 45%-65%
  • Cash Flow Case-by-Case
  • Lending on Land and Real Estate
  • Loan Amounts $200k-$ 1Billion

Merchant Advance

Program Highlights

  • 500 Minimum Fico
  • Not A Loan but an advance on future sales
  • Provide 4 months processing statements
  • Advances up to $125,000
  • Funding within 10-14 days

HUD Loans

Program Highlights

  • Credit score not a factor
  • Portfolio must be performing
  • LTV 83% – 90%
  • $1.5-1Billion

SBA 504 Loans

Program Highlights

  • Must Involve Real Estate
  • 670+ FICO all 3 Bureaus
  • No Tax Liens, Foreclosures, Judgments, or Delinquencies
  • Principal or staff must be experienced in the industry
  • Must have a positive cash flow – DCR of 1.25 or more
  • LTV 80% – 90%
  • Loan Amounts $200k-$ 2MM

SBA 7A Loans

Program Highlights

  • Business Acquisition w/o Real Estate
  • 670+ FICO all 3 Bureaus
  • No Tax Liens, Foreclosures, Judgments, or Delinquencies
  • Principal or staff must be experienced in the industry
  • Must have a positive cash flow – DCR of 1.25 or more
  • LTV 70% – Principal must bring 30% of the purchase price
  • Principal must be homeowner, have savings, checking account, money market stocks, bonds.
  • Loan Amounts $200k-$2MM

USDA B&I Loans

Program Highlights

  • 85% – 90% backed by the government
  • 670+ FICO all 3 Bureaus
  • Principal or staff must be experienced in the industry
  • Must have a positive cash flow – DCR of 1.25 or more
  • LTV 85% – 90%
  • Loan Amounts – $700k -$10MM
Short-Term & Flexible Commercial Loans 2

Get Qualified Today!

You can choose one of our many ways to reach us. Someone is always ready to answer any questions you may have.

It doesn’t hurt your credit to learn your options and most clients have HIGHER scores after funding.

DO NOT HESITATE; learn what your options are!

Call Us Now (678) 956-1508 for a consultation.

IT'S FREE WITH NO OBLIGATIONS!