Key Becoming Bankable Element #5 - Pre-Qualified Funding

Business Pre-Qualification

Pre-Qualified
Funding
Programs

These 10 primary programs cover 90% of small business financing needs and maintain the highest closing rates in the industry.

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Program Details

Select the programs that match your business stage, revenue profile, and funding goal. Most businesses qualify for more than one.

Unsecured Financing — Corporate Credit Cards

  • Best For: Flexible spending and credit building.
  • The Risk: Applying without knowing underwriting guidelines can lead to multiple declines. Three declines can “lock” you out of all business lending for six months.

Revenue-Based Loan

  • Best For: Businesses with steady daily sales.
  • Repayment: Automated daily (M–F) withdrawals.
  • Limit: Typically funds up to 10% of annual gross revenue.

Business Term Loans

  • Best For: Growth and expansion for established businesses.
  • Requirement: Must show two years of tax returns with at least $250,000 in annual gross revenue.

Equipment Financing

  • Best For: Computers, vehicles, machinery, or software.
  • Benefit: Preserves cash flow by financing the “hard goods” themselves; can be bundled with other programs.

Investment Rollover (ROBS)

  • Best For: Using your own capital without debt.
  • How it Works: A tax-code provision allows you to roll retirement funds into your business without early withdrawal penalties.

Account Receivable (A/R) Factoring

  • Best For: Improving cash flow while waiting for client payments.
  • Benefit: Turns open invoices into immediate cash and allows you to offer Net-30 terms to clients.

Purchase Order (P.O.) Financing

  • Best For: Filling large orders you currently lack the capital to produce.
  • Focus: Specifically for the acquisition of finished goods.

Credit Union Loans

  • Best For: Competitive interest rates and better terms.
  • Status: Credit unions have returned to small business lending aggressively, often offering easier qualification than big banks.

SBA Express Loans

  • Best For: Fast working capital or lines of credit.
  • Speed: 36-hour response time; exceptionally fast for requests under $50,000.

Vendor Trade Financing

  • Best For: Inventory and supply chain management.
  • How it Works: Access B2B credit via Net-30, 60, or 90-day payment terms through a database of over 3,000 vendors.

Ready to See Which Programs You Qualify For?

Complete the Business Success Assessment to see which programs match your profile today and build a roadmap for future funding.

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