Credit Based Personal Funding

Credit Based Personal Funding

Our programs are primarily credit-based, and will work best if your credit profile meets the minimum requirements.

Our funding programs can be used for Personal Loans, Funding For Business Start-Ups, Funding For Real Estate Fix and Flips, Cash To Purchase Real Estate in General, Cash For Down Payments On Real Estate Purchases, Working Capital For Existing Business Owners, and More…

Programs 1, 2, and 3 listed below can be combined for maximum funding if necessary.

FUNDING PROGRAM 1

Unsecured Cash Installment Loans. Perfect For Personal Loans, Start-Ups, Real Estate, and Working Capital For Existing Business Owners.

  • Available Funding Amount: $20K to $500K
  • Fixed Monthly Payments
  • 2 to 10 Year Terms (5-7 Terms On Average)
  • No Prepayment Penalties
  • Single Digit Interest Rates For Strong Credit Profiles
  • Funding Within 1-2 Weeks
  • 700+ Credit Required For Funding (680+ on a case by case basis)
  • Co-Signers Are Accepted (Family, Friends, Partners, Associates)

FUNDING PROGRAM 2

Unsecured Traditional and Revolving Lines of Credit. Perfect For Personal Loans, Start-Ups, Real Estate, and Working Capital For Existing Business Owners.

  • Available Funding Amount: up to $50K each line
  • Multiple Lines Available
  • Weekly or Monthly Payments
  • Average 7% to 12% Interest
  • Only Costs Interest On Funding Utilized
  • Funding Within 1-2 Weeks
  • 700+ Credit Required For Funding (680+ on a case by case basis)
  • Co-Signers Are Accepted (Family, Friends, Partners, Associates)

FUNDING PROGRAM 3

High Limit Personal and Business Credit Card Funding. Perfect For Personal Loans, Start-Ups, Real Estate, and Working Capital For Existing Business Owners.

  • Available Funding Amount: up to $50K to $150K+
  • Multiple Cards Available
  • Introductory Rates of 0% interest for up to 24 months
  • 9%-12% plus APR after intro
  • Funding Within 1-2 Weeks
  • No Income Verification Required For This Program
  • 700+ Credit Required For Funding (680+ on a case by case basis)
  • Co-Signers Accepted (Family, Friends, Partners, Associates)

THE FIRST STEP:

  • The first step is checking your credit and submitting your latest full credit report for review, to get a funding estimate.
  • If you don’t have a copy of your credit report, you can visit www.creditchecktotal.com or Experian.com to obtain a PDF copy of your full report.
  • Once you submit your credit report for review, we will be able to let you know how much funding you qualify for.
  • This process does not affect your credit in any way. It’s just to determine what you qualify for.
  • We can give you a funding quote generally within 24 hours or less, after we receive your credit report.
  • All reports should be submitted via email.
  • Alternatively, If you are using one of the credit monitoring services referenced above, you can also email your login info, and we can review your report that way and get you a funding estimate.
  • Again, this step is just reviewing your report, and will not affect your credit in any way. We do not “pull” or “run” your credit (no hard inquiries).

FUNDING REQUIREMENTS:

  • 700+ Credit Required (680+ case by case)
  • Revolving balances below 50% of credit limit (20%-30% or lower is ideal for maximum funding)
  • At least 3 “open” & “seasoned” primary accounts (credit cards, auto loans, mortgage, etc.)
  • At least 3 of the open accounts must be at least 12 months old
  • No more than 4 inquiries per bureau within the last 90 days
  • Prior Bankruptcy must be 5 years or older
  • No Collections, Judgments, or Late Payments Accepted
  • No CPN Credit Profiles or Profiles Consisting of Only Authorized Users Allowed.
    Accounts Must Be Primaries.

VERIFYING INCOME REQUIREMENTS:

  • Verify The Requested Income, These Are The Documents They Will Need To Submit To Proceed With Funding:(Color Copy of ID front and back, Most Recent Utility Bill, Two Most recent Pay Stubs, Most Recent W2 or Tax Return, Voided Personal Check in Their Name (where funding will be deposited), Color Copy/Pic of Social Security Card).

Note: Lenders may also request last 3 months of personal bank statements in the process.

The funding process is very quick and simple, and funding generally happens within 1-2 weeks. There is a Backend Fee of 15%. If you have any questions, please feel free to contact me anytime. Thanks again for your interest in our funding program. We look forward to working with you!

Email: PersonalFunding@Fixthatcreditscore.com