Get Business Loans & Credit Lines — Even When the Banks Say "No"
According to the United States Department of Revenue, the majority of business loans and credit lines that are available today don't come from big conventional banks. Most business loans now come from alternative lenders and investors. These alternative lenders typically only offer 1–2 limited funding programs, which can ruin your chances of getting a good loan if you don't meet their specific requirements.
With Corporate Credit Solutions, we work with all legitimate types of funding programs through hundreds of investors and lenders. This gives you the best opportunity to get the most financing — at the best terms.
Right away, you'll be assigned your own personal Finance Officer, who will work directly with you to develop your Finance Blueprint with all the funding options you can qualify for now. Once you choose your funding, our team goes into action, working with lenders and investors to get you approved, negotiating rates and terms, and helping you through all aspects of the funding process until your loan proceeds are in your bank account.
With our help, and when you know how the process works, you can get a business loan or credit line:
- Regardless of personal credit quality
- Even with no assets to pledge as collateral
- As a newer startup business
- With no financials, or with returns that show a loss
Loan Programs at a Glance
Click any program to see details, qualifying criteria, and approval ranges.
Unsecured Business Financing
Perfect for entrepreneurs just starting their business, and a solid option for established ones. Get approved for up to $150,000 at 0% introductory interest, with unsecured, no-doc financing — no collateral or cash flow requirements. Approval is based strictly on personal or business credit quality.
Credit Guidelines: 700+ FICO across all 3 bureaus · 3+ years clean credit history · 30% utilization on revolving lines · 2+ open bank credit cards with $5,000+ limit · no derogatory accounts in last 36 months · no bankruptcies in last 10 years · 3 or fewer inquiries per bureau in last 90 days · stated income $50,000+/year · debt-to-income under 40%.
Benefits: 0% interest common for 6–18 month terms · 24-hour pre-approval · application to funding in 3 weeks or less · no application fees · approvals up to $150,000 per individual · multiple signers and credit partners welcome.
Business Revenue Financing
Fast, easy funding with few headaches. Get approved for up to $500,000 within 72 hours, based on a simple review of your business bank statements. You can get approved regardless of personal credit.
Qualifying: Lender reviews 4–6 months of bank statements. They want to see consistent deposits showing annual revenue of $120,000+, business open one year or more, manageable NSF activity, and 8+ monthly deposits.
Benefits: 24-hour pre-approval · funding in 7 days or less · approved with bad credit · 3–36 month terms · approved for up to 12% of annual revenue · ongoing access to additional funding after 3–6 months.
Merchant Advance & Merchant Card Credit
Perfect for business owners who accept credit cards. Get approved for up to $500,000 with no collateral and bad credit allowed. Approval is based on cash flow as verified by your business bank and merchant statements.
Qualifying: 4–6 months of bank and merchant statements, $50,000+ annual revenue, 6+ months in business, low chargebacks, 10+ monthly deposits.
Reverse Consolidations are available for merchants struggling with frequent withdrawals from multiple cash advance positions — providing weekly disbursements directly into your business bank account to free up 30–50% in cash flow.
Account Receivable Financing
Secure money against receivables in as little as 24 hours. Get rates less than 2% and financing as high as $20 million, even with severely challenged personal credit.
Benefits: 24-hour pre-approval · advance 80% of receivables · rates less than 2% · receive remaining 20% (less fee) after invoice is paid · no application fees · approval with credit scores under 500 · paid on future receivables within 24 hours.
Purchase Order Financing
Short-term financing that pays your suppliers upfront so you can fulfill orders without depleting cash reserves. Excellent for production finance, Letters of Credit, and import/export or domestic trade purchases.
Benefits: 24-hour pre-approval · secure up to 95% of PO value · application to funding in 2 weeks or less · rates typically 1–4%.
Inventory Financing
Obtain a low-rate credit line using your current inventory as collateral. Secure a credit line for 50% of your current inventory value (if valued $500,000+), regardless of personal credit quality.
Benefits: 24-hour pre-approval · 50% of inventory value · funding in 2 weeks or less · no application fees · approval with bad credit.
401k Plan Financing
A powerful, flexible way to leverage assets currently in a 401k plan or IRA. In as little as 2 weeks, invest a portion of your retirement funds into your business — penalty-free.
Benefits: 24-hour pre-approval · no penalties for roll-over · funding in 2 weeks or less · rates of 5% common · credit line for 100% of rollable 401k · based on proven IRS strategies. Qualifying 401k value: $25,000+.
Securities-Based Line of Credit
Leverage assets in stocks or bonds to obtain a low-interest credit line for as much as 90% of the value of your securities. Most stocks and bonds accepted. You keep all interest and appreciation. No pre-payment penalty. Securities remain in your name.
Benefits: 24-hour pre-approval · rates as low as 2–5% · funding in 2 weeks or less · approval with credit scores as low as 500. Qualifying securities value: $25,000+.
Small Business (SBA) Loans
For established businesses with good revenues and profitability. Apply for secured government-backed SBA program loans from $250,000 up to $12 million (504 and 7a programs). Use for purchasing a business, partner buyouts, real estate acquisition, or working capital.
Benefits: Long payback terms (10, 15, or 20 years) · interest rates as low as 5–6% · CAPLines available · total time to close 2–4 months.
Equipment Financing & Leasing
80% of U.S. businesses lease a portion of their equipment. Get approved with as low as a 640 personal credit score, even with challenged credit. No financials needed; approvals in as little as 24 hours.
Equipment Sale-Leaseback puts cash in your pocket using existing valuable equipment ($25,000+) as collateral. Sell equipment to the lender, who then leases it back to you — giving you cash plus tax-deductible lease payments.
House Reseller Financing
Tailored for the real estate investor who wants to purchase, rehab, and flip residential properties. Quick closings and high loan-to-value ratios. Get approved for 100% of the financing you need to buy and rehab residential properties (up to 65% of after-repair value).
Requirements: Recent flipping experience (2+ houses sold), credit scores 640+, $30,000+ liquidity. Rates 8–18% based on risk. 6-month terms with extensions on request. No prepayment penalty. Apartments rehab financing also available.
Commercial Real Estate Financing
$75,000–$20 million for property purchase or refinance (including cash-out). Loan-to-value ratios 55–65%. Programs include conventional property financing, investment property loans, hard money, bridge loans, and SBA.
Property types include: offices (business and medical/dental), industrial facilities, light manufacturing, mixed-use, commercial condos, auto dealerships, light auto services, day cares, assisted living, entertainment venues, multi-family, retail warehouses, self-storage, and more.
Private Money
Often called "SBA fallout" — helpful for those who can't qualify for conventional SBA financing. With private money, your business doesn't need to be perfect, nor do you need extensive documentation. Average credit works (640+).
Benefits: Loans $100,000–$40 million · 72-hour pre-approval · rates 5–18% based on risk · long-term loans up to 30 years · credit lines and loans available · low collateral requirements · no equity given up.
Book-of-Business Financing
Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral. The best program available for insurance agents — easy approval and great terms.
Benefits: Approved with credit scores as low as 520 · secure as much as 120% of commission surrender value · loan terms as long as 10 years · rates 4–9% over prime · most agencies qualify (excluding State Farm) · can be used to purchase an agency.
Get Approved Now
By working with all legitimate funding sources and a wide range of loans and credit lines, we can often get you approved for multiple options — maximizing the capital you receive.
Speak With a Funding Officer