Business Line of Credit Application.

We assist businesses owners to obtain unsecured business lines of credit for their businesses. We accomplish this via our relationships with numerous aggressive lending institutions throughout the country, all of which have different lending capabilities ranging from $10 000 to $100 000 depending on applicant strength. Our expertise is in knowing the lending institutions and submitting your applications in such a way that they get approved the first time. We are able to cumulatively obtain unsecured lines of credit of $100,000 to $250,000 for our clients via three to five lenders at a time.  We do not charge any up front fees. We only get paid for the actual financing that your business is approved for. The unsecured lines of credit require no collateral, which means that none of your assets, including your home and any other property, business or personal assets, need to be pledged. Unsecured business lines of credit are available to applicants with FICO credit scores of as low as 680 (All 3 bureau scores) provided that they are not maxed out on their current revolving lines of credit and their credit reports do not reflect a slow payment history, judgments, repossessions or bankruptcies. and they have a very strong business profile. For those who have these problems, we have great solutions for credit challenged applicants which will make them also eligible for financing. Documents are required to show that your business is state registered and licensed, and the highest lines of credit are available to you if you can prove income and have to show personal financial statements and 2 years business tax returns. Although lenders require personal repayment guarantees from between 25% to 85% of the people who own the business, the lines of credit do not show up on personal credit reports unless payment defaults occur. Instead they report to the business’s credit report which is a good credit building strategy for your business. Each facility is a perpetual and revolving credit line which requires variable interest-only payments. The line of credit works like a giant credit card except for the fact that it is cheaper and has the added benefit of check writing access. Also, interest is only payable on the funds that are used and can be repaid at any time with out any penalty. There are no minimum or maximum balance requirements and most lines never convert to term loans. The interest rates, which are at the discretion of the lenders, usually range between prime –1 and prime +5 or higher, with the average being prime +2. Each lender will request their own credit report and the success of your application, terms and interest rate will depend on their underwriting guidelines and scoring system as well as your personal credit payment history. Lender decisions are usually received in less than four days and the money can normally be accessed seven to fourteen days later. Our consulting fee is usually 5% of the total amount of each approved line of credit and must be paid within seven days after a line of credit has been approved and you are able to access the funds.

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Business Line of Credit Profile Application Form.
(No Social Security number or Bank Account number required)

Please  order your credit report now , if you have not already done so, before completing the below profile form.
Section A
Business Information
Maximum amount of financing requested:
Purpose for funds:
Business legal name and D.B.A. if applicable:
FEIN number:
Dunn and Bradstreet number: (If available)
Business address and zip:
Mailing address:
Business email address:
Website address:
Business phone number:
Business fax number:
Type of business:
Business entity type:	LLC                      S Corp                  C Corp                   Partnership               Sole Trader.
Date business established.
Year registered with Secretary of State?
Bank name where business checking account is held:
Checking account current balance:
Checking account average balance:
Accounts receivable amount:
Savings, stocks and bonds amount:
Does the business have established business trade lines?	Yes                  No
If you have existing trade lines please provide details.
Have you ever been late with payments on any business credit cards or trade lines?	Yes                 No
Are you able to prove income? (Tax returns or W2)
Expected Gross annual revenue this fiscal year:
Business involved in claim / lawsuit?
Are any taxes delinquent?
Has the business ever declared bankruptcy?
Are there any judgments against business?
Section B
Applicant's personal information
Name (First and Last name):
Phone number:
Fax number:
Email address:
Home address:
Years at address:
Country of citizenship:
Permanent resident of USA?
Approximate FICO score:
Credit report user ID:	Not required if you fax your credit report to us. Get the id when you order your credit.
Credit report password:	Not required if you fax your credit report to us. Get the pw when you order your credit.
Which website did you order your credit report from?	CreditCheckTotal.com                            MyFico.com
If you ordered your credit report from CreditCheckTotal.com and want us to view it online please provide your SS#:	Not required if you  fax your credit report to us.
Personal net worth:
Date of birth:
Residential status:	Home Owner            Rent
Mortgage or rent payment amount:
Nearest relative not living with you and phone number:
Annual gross income personally earned from your business:	The salary that you personally draw from your business.
Annual additional personal income amount : (rent, dividends, stocks and bonds etc.)	Include income earned from additional employment stated below in Section C (Example: $600 from dividends + $1000 from additional income)
Spouse's annual income
Bank name where personal account is held:
Personal bank balance:
Personal savings account bank name:
Personal savings account balance:
Value of personal home:
Do you own a personal CD, IRA or 401k?
Who referred you to our website?
Promotional code:
Section C
Additional employment information.  Complete this section ONLY if you are ALSO employed elsewhere besides your own business.
Who are you employed by?
Employment position:
Years with employer
Years in current profession
Acknowledgement: By completing and submitting this form, I hereby acknowledge having read the Frequently Asked Questions and Answers.