UPDATED FOR 2022-2023+...
See If You Qualify For The Personal And Business Capital Businesses LOVE
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What Is The Personal And Startup-Loan?
The personal and startup loan are similar lending services with similar qualifications (shown below) that offer you a convenient way to borrow when you need to pay unexpected bills, invest in new cabinets for your kitchen, use it for ANY business reasons like starting a business, you're a non-startup, buying equipment, growing and expanding, etc. in the form of Term Loans/installment loans, Lines of Credit (LOC) or personal and business credit cards. It's low rates and easy process makes it a great alternative to medium-high rate MCA Funding solutions as well as others.
You Are Eligible If You Have $35,000 In Annual Revenue - Adjusted Gross Income (Taxes Or Paystubs Verifiable) And ALL Of The Following:
1. 680+ FICO Scores On ALL 3 Consumer credit bureaus
2. Zero (0) time in business is fine BUT requires you have at least 5 tradelines on your personal side
3. No more than 4 bank inquiries per bureau in the last 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).
4. No more than 3 unsecured accounts opened in past 12 months (Does NOT include secured inquiries like Auto loans and Mortgages).
5. Less than 40% Utilization on each revolving accounts
6. Minimal Recent Inquiries
7. Strong Credit History (Creditworthiness)
8. No Recent Negative Items
9. No bankruptcies at all showing on credit file
10. No open(unpaid) collections or judgments
11. No late payments in 1 year, no charged off accounts
12. 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).
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.***
See the FULL text version of the different services here:
Click here to see ALL the Capwell Funding Services And Qualificaitons
Don't meet these credit requirements and possibly have bad credit AND have business bank statements 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
The Key Benefits of Working With Us And More Details
(Hassle-free process at your fingertips with a team of people who know how to help)
Fast Response Time And Time To Approve
(24 hour approvals with 1-2 or 3-5 weeks to fund)
(Experts at your fingertips who have helped 100,000's of people)
(6%-18%+ Interest rates keeps your costs lower!)
(1 to 5 or 3,5,7 Year Terms so you can have more time and better repayments)
How It Works (In 6 Fast And Simple Steps)...
You will work directly with Myself and my team at GoKapital to...
STEP 1: Enter Your Information
Figure out how much you could get between $20,000-$500,000 with a Free application and Soft pull with the help of our digital online safe and secure application process.
STEP 2: We will review your submission
Our account manager will review your submission and I'll get back to you with an update to see if you have pre-qualified and if you do preesnt it to you.
STEP 3: Set up a call with the underwriter (not always though)
If you're satisifed with the pre-qualification, I will then get you set up on a call with my underwriter so they can go over the expectations more, the process, docs, and so forth.
STEP 5: Get Through Underwriting
After I get feedback from underwriting, I or the underwriter will communicate with you your situation.
STEP 6: Funded!
Get the funds and use them how you choose and finally be able to power yourself and your business forward so you can be at your best.
SUCCESS FEE: There are no upfront nor any recurring fees. Once the funding has been established, the company is due its Success Fee, which is a percentage of the total aggregated funding up to the maximum flat fee. The Success Fee can be paid with the new funding.
See What Dustin And Rachel Said...
It's YOUR Money, Go Ahead And Claim It Before It's Too Late!
The personal and startup loan are VERY Popular right now but requirments could change at any time and you'll find it harder to get (look at what's happened with the "SBA EIDL Funding" and even the "PPP Funds" - changed and Gone!) and you'll lose your chance to put the money to work for your business and for many more reasons. Do you want to be "that" person sitting on your couch living in regret thinking to yourself "what if?" Or the one who said "I Did it?"
About Michael (The Business Loan Broker Expert)
Michael started like any and every 9-5 employee with the dream to become their own boss as a Business Owner/Entrepreneur - In the start of his journey and further down the road, he had to figure out the ropes to getting business financing to build, grow, expand, and even get out of a tight pinch...
going through the struggles and troubles of getting funding let alone find the right source with the right partnership and roadmap was the challenge. Eventually he did find his way, and after funding his multiple businesses, he decided to use his knowledge and expertise to help others get business funding through the lens of an education first approach with personalization and customized business funding second as well as so you wouldn't have to go down the wrong path and making mistakes after mistakes like he had. That's when Viral Funding Solutions was born.
Ready to get your Personal/Startup Loan? Click here to get started