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UPDATED FOR 2023...
See If You Qualify For The Personal And Start-Up Capital Businesses LOVE
(Click Play To Watch The Video)
(P.S. Want to see a text version of the video? Click here to see the readable version)
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 installment loans, Lines of Credit (LOC) or credit cards on the personal and or busines side. 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 $50,000 In Annual Revenue (Taxes Or Paystubs Verifiable) And ALL Of The Following:
1. 700+ Experian Credit Score (680+ Can be accepted IF you have strong credit)
(P.S. Get A Guarantor/Credit Partner/Co-Signer If You Need)
2. Zero (0) time in business is fine BUT requires you have at least 5 tradelines on your personal side
3. Less than 35% Utilization
4. Minimal Recent Inquiries
(Typically no more than 6 inquiries in the last 3 months)
5. Strong Credit History (Creditworthiness)
5. No Recent Negative Items
NOTE 1: 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).
Do You have a 700+ credit score on ALL 3 Consumer Credit Bureaus And want to get 0% Interest Business Credit Cards For 6-18 Months And Up To $150,000 And want to have the option to add other funding like personal funding if needed?
>>Click here to see the credit line hybrid and credit card stacking program<<
Do you have 670+ Credit Scores On ALL 3 Consumer Credit Bureaus? Whether you have 670+ on ALL 3 or 700+ on ALL 3, click the link below to see my preferred Personal/Business/Startup credit-based solutions that also invovles 0% interes business credit cards:
>>Click here to see my preferred Personal/busines/startup creative credit-based funding program<<
Don't meet these credit requirements for the 680+ or 670+ and 700+ 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 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 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
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 4: Collect Documents
Therafter, I will collect your documents needed to go through underwrititng like a drivers license, bank statements, tax returns, pay stubs, utility bill. Here's a doc you can see of it all
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.
NOTE: The origination fee is 15% which I know sounds high, but that's how the lenders compensate themselves, by offering you a low interest of 6%-18% with monthly payments and terms from 1-5 years. The amount that needs to be fufilled and effort it takes on our behalf is something you need to consider and the rates you get are usually better than anything else out there and compared to the alternatives like a Merchant Cash Advance for one...
You get better terms and rates that easily makes up for this (BY FAR, it's Crazy how much). We may be able to lower it to 12% but not always (each file is different) and the fee is Not ridicolous when it's unsecured (no collateral) MAX Funding. You can "maybe" walk into a bank and "maybe" qualify for let's say $10k, where I/we can help you get $100k with our resources and expertise which is also why we charge a 15% success fee.
You also have to keep in mind the benefit exceeding your repayment and how you'll use your funds to potentially double, triple, quadruple your revenue and or perhaps save more and keep your business afloat which keeps your repayments low over time compared to other services. This is normal and expected.
See What Other People Are Saying...
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