Lines Of Credit
Working Capital Solutions
Our objective is to set you up with freely spendable business credit lines (and/or loans) that can be spent on anything your business requires to grow. We’re talking true working capital you can use to start, build, or grow your business – not just gas or store credit. To secure this type of financing for you, we run your business through the process described below.
Please take a few moments to review this process. And feel free to contact us if the explanations below leave any of your questions unanswered. We are a team of over 30 people and one of our specialists will get back to you within 24-48 hours.
Step 1: Pre-Qualification
The first step toward obtaining unsecured business credit is our pre-qualification process. This is where One Stop Funding Shop trained, FICO certified professionals perform a full assessment of your personal and business credit status.Our No-Obligation Pre-Qualification is designed to quickly get you the answers to 4 questions:
Can we help you get some financing?
Can we help you get some financing?
How much money can I get?
How long will it take?
How much will it cost me?
So if you have any of those questions then feel free to take advantage of our No-Obligation Pre-Qualification process to get some of your questions answered. It only requires a brief credit check, takes just a few minutes, and can be done online or over the phone at your convenience. Before you know it you’ll understand your business funding options. If you are a good fit (or could be, with reasonable effort or changes) we’ll lay out your options in plain English and – with your approval – move to step two.
Note about this step: As an entrepreneur or small business owner we’re sure you’re at least partially aware of how important your personal and business credit profiles are. We have funding options available for you whether your credit is good or bad. Additionally, our Pre-Qualification process does two VERY important things: one, our credit check will be a “soft pull” and will not create any hard inquiries against your credit. Two, we will check your personal AND your business credit reports. The importance of business credit has grown steadily over the last 5 years and especially since The Great Recession. At One Stop Funding Shop we help our clients obtain working capital to start, build, and grow their businesses – we are not a “business credit building” company. If you become a client of ours then we can help you determine if and when you should build your business credit but you should contact us if you need working capital and business funding, not for the sole purpose of building up your business credit.
Step 2: Initial Consultation & Lender Preparation
Depending on your credit status, your business might be eligible for an unsecured business line of credit right now, with no further steps. If so, we’ll proceed right to step three (see below.) However, your credit report might also have “blemishes” that need to be fixed before moving forward in the process.
At One Stop Funding Shop we don’t do credit repair, however in most cases, this is no problem. Our team is comprised of industry veterans who understand the inner workings of personal and business credit better than anyone. We diagnose and pre-underwrite your file for you and we know how to match you with the right lenders based on your credit file, geography, industry, and many other variables.
If you have credit concerns (small or big) that are standing in the way of your financing then we’ve established a team of dependable people who we can refer you to in order to correct the errors on your credit file. Don’t let that discourage you. We know who and where to send you no matter how slight (or big) the issue may be. We dissect your unique situation (on its own merits), understand personal and business credit intimately, and direct you wherever you need to go to get your financing.
If there are issues with your credit, then the lender preparations discussed above take anywhere from a few days to 30-60 days. You are kept aware of updates and important developments every step of the way. In some cases, we may also have some interim financing solutions available for you.
Step 3: Ask about our $50,000 Credit Guarantee
We commonly help startup business owners who are in their first 2 years to obtain between $25,000 – $200,000 or more in low-cost funding. So if and when your business passes our pre-qualification stage One Stop Funding Shop might be able to guarantee you a minimum of $50,000 in spendable, unsecured business lines of credit. It’s our most popular and sought-after funding solution. Of course, the best part is that the funding is delivered with NO collateral and in the form of lines of credit that you don’t have to make payments on until you use them and that you can use repeatedly, over and over again. Typically, most clients receive between $50,000 – $100,000 in their first 30 days but everyone’s situation is unique. Ask our FICO Pro Certified funding advisors about your situation. Could your business benefit from $50,000 or more in low-cost financing that you can use anywhere, anytime, and for anything? We’re a phone call away if you would like to find out more.