How it Works

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FIN$ Today:

Empowering the Business Community with Access to Alternative Funding

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Simple

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Fast

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Transparent

Underwriting With a Combination of Technology and Human Expertise

Navigating the waters of the underwriting process can seem tedious, however with the proper understanding of your business’ sustainability and capital requirements, we’re able to streamline your funding request, making it fast, simple and transparent.

Some Data Used to Underwrite Your Funding Approval:

Review of the company’s profile and funding request
Industry segment, product(s) and service(s) provided
The amount of funds you are seeking and how the funds will be used in your business
A snapshot of any outstanding business debt and payments
Strength of personal credit – fair, good, excellent?
Strength of positive cash flow in recent months (do you have any wiggle room or reserves as a cushion?)
Your timeline to receive the necessary funding

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Some additional documents needed to complete the funding process:

Revenue documents – typically 4-6 months of business bank statements and a total of 12 months if business revenue tends to be seasonal
Invoice(s) – when considering Invoice financing of the business’s account receivables
Equipment quote(s) – used to secure the necessary funding to purchase equipment

Based on the review and scoring of these items we can determine the proper fit and discuss all of the options approved for funding.

…to underwrite longer term-based funding models further documents typically will be required. You can expect to provide items such as:

Proof of ownership (partnership agreements, LLC operating agreement, article of incorporation)
Previous 1 or 2 years business and personal income tax returns
Income statement (also known as P&L statement) and balance sheet
Leases for business locations
Mortgage statement for the business, if any
Title deeds of personal real estate that can be utilized as possible collateral
Notice of any liens that may exist on the business and payment schedule

Get started today, our funding advisors are ready to help. 678-680-4964

How to Pre-Qualify

Your Business Should:

Be fully operational for at least 12 months (in some cases 6 months)
Process a minimum of $8,000 per month in credit card transactions or have average monthly sales of $20,000 or higher
Be located in the United States

FAQ’s

[ultimate-faqs]

Funding as quick as…

Hours

Gets No Better than…

Fees

Simple as Just…

Application

Some Industries We Serve:

Food / Beverage

Most of our establishments receive a pre-qualification from us within 24 hours of submitting the 1-page application, and actually receive the money in their business bank account within 7 days.

Retail

Owning a store means not only being responsible for the needs of your business, but also the needs of the people who depend on you as a fixture of the community.

Franchises

Franchises benefit from a recognizable brand but when it comes to keeping your cash flow healthy, you’re left to fend for yourself. The only thing more challenging than keeping your franchise running is getting the funding you need from the bank

Restaurants / Nightclubs

More goes on behind the bar than just cutting limes. Exploring new inventory, arranging deliveries, repairing damages, managing taxes and licenses — it takes a lot of work and funding to keep the drinks flowing.

Health / Beauty

You understand how important it is to look and feel your best, but that can be hard when you’re worrying about your business. When you need additional capital for costs, you deserve a funding source that can get you money quickly and regardless of your credit history

Automotive

It’s hard enough to diagnose an engine problem based on a customer’s impression of a rattle. You shouldn’t have to worry about where the capital your business needs is going to come from too. But going through the approval process for a small business loans from a bank means you might get stuck in the slow lane