See If You Qualify For The Personal And Business Capital Businesses LOVE

You Are Eligible If You Have ALL Of The Following For Personal And Or Business Funding...

For Personal Funding (Term Loans and sometimes Personal Lines Of Credit) First:

1. Have $35,000 In Annual Revnue - Adjusted Gross Income (Taxes Or Paystubs Verifiable)

2. 680+ FICO Scores On ALL 3 Consumer credit bureaus 

 3. Zero (0) time in business is fine (We Just need proof of identity and proof of income. If W-2 employee, will need last two pay stubs. If self-employed, will need most recent business and personal tax returns. Banks will go by Adjusted Gross Income.

4. No more than 4 bank inquiries per bureau in the last 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

5. No more than 3 unsecured accounts opened in past 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

6. Less than 40% Utilization on Each revolving accounts

7. No more than 4 bank inquiries per bureau in the last 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

8. No more than 3 unsecured accounts opened in past 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

9. Strong Credit History is best (Creditworthiness)

10. No Recent Negative Items - No late payments in 1 year, no charged off accounts

11. No bankruptcies at all showing on credit file

12. No open(unpaid) collections or judgments

13. No late payments in 1 year, no charged off accounts

14. Seasoned major bank card trade line $3,000 limit +.  Must have minimum of 1 open revolving account with at least 2 years of history or more.

**If scores are less than 680 only due to high balances on revolving accounts, may still qualify.

NOTE: Too many NEW Tradelines and other unsecured (non-collateralized) loans you just received can reduce your amount or completely decline the file because this is based on your debt-to-income ratio (DTI).

INTEREST RATES: The APR’s (Annual Percentage Rates) on the loans are typically between 7%-15% depending on the applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).

How to Qualify for Personal Funding (Fast Track):

•  Personal credit score on all 3 bureaus 670+
• No bankruptcies within last 5 years
• Any type of individual revolving credit/charge account with 6-18 months of history and $500+ limit.

**For Fast Track: Collections, lates, previous derogatory accounts, new accounts/inquiries are ok to a certain extent as long as it is not overly excessive and there are not too many combined credit issues.***

For Business Funding (0% Interest Business Credit Cards, could be personal 0% cards too and more):

1. Personal credit score on all 3 bureaus 700+

(Don't have the credit scores but have a "credit parnter" who can help and or have just high utilization? Keep reading and then See the section below that reads "If you don't qualify...")

2. No more than 4 bank inquiries per bureau in the last 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

3. No more than 3 unsecured accounts opened in past 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).

4. Under 40% utilization on each revolving accounts.

5. No bankruptcies at all showing on credit file

6. No open(unpaid) collections or judgments

7. No late payments in 2 years, no charged off accounts

8. Have a Seasoned major bank card trade lines $5,000 limit +. Must have minimum of 2 open revolving account with at least 2 years of history or more. (Can have 1 open revolving account if there is an aged mortgage with at least 2 years of history, or 1 open revolving account and aged entity over 2 years).

**If scores are less than 700 only due to high balances on revolving accounts, may still qualify.

See the FULL text version of the different services here:

Click here to see ALL the Capwell Funding Services And Qualificaitons

If you don't qualify...

Don't meet the credit requirements but have a "credit partner" who can help?

Most likely a business partner, family member or friend who can temporarily assist you by guaranteeing your credit lines until you can increase your credit rating and take over that responsibility through balance transfers or other strategies. Over 40% of our clients start with a credit partner. For them to guarantee the credit cards, they need to be at least a 10% owner, otherwise it will just be limited to the "personal" funding

>>Click here to share with them this document so they can look through all the details<<

(P.S. You can also share with them this site and have them save it for when they are ready)

 Don't meet the credit requirement score(s) and more but have at least 680+ FICO Experian Credit or 700+ FICO Experian or your credit partner does?

>>Click here to see my see my second recommended credit-based alternative<<

 Don't meet these credit requirements and possibly have bad credit AND have 3 months of business/personal bank statements with at least $3k in revenue on your lowest month in the last 90 days to get funding with?

>> Click here to see my #1 Recommended Alternative Up To $2,000,000+<<

P.S. If you're purchasing equipment as a startup (not trucking) through an equipment lender as an alternative to the personal/startup loan, it's best to have a 650+ FICO with 10%-30%+ down and if you are in Trucking, it's best to have a 700+ score with similar downpayments, tradelines (5 is best)...

 and if you meet this and would like to see an equipment specific lender (and you have the downpayment), see the "up to $2m" link above, otherwise continue with this personal/startup loan