business credit & funding
always 50% off
FOR
FIRST RESPONDERS & ESSENTIAL WORKERS
What is it that 9 out of 10 businesses are in search of?
MONEY!
The LYFE Business Credit & Funding Platform
5 Year Access
Licensed Funding Advisors
$50,000
Guaranteed in Business Credit and Funding!!!
1 Year Access
Certified Business Credit Coaching
business funding
MORE FUNDING SOURCES THAN ANYWHERE ELSE
Loans up To $30,000,000
Secure Money In Less Than 30 Days
WE GUARANTEE A MINIMUM OF $50,000 IN BUSINESS CREDIT AND FUNDING REGARDLESS OF YOUR PERSONAL CREDIT SCORES
Access To Licensed Funding Advisors For 5 Years
DIRECT LENDERS
CORE FUNDING PROGRAM
FUNDING PROGRAMS
BUSINESS CREDIT
WE SAY “YES” WHEN THE BANKS SAY “NO”
BUSINESS CREDIT
WE SAY “YES” WHEN THE BANKS SAY “NO”
DIRECT LENDERS
CORE FUNDING PROGRAM
FUNDING PROGRAMS
Business Credit & Funding Overview
SO, HERE IS HOW WE’VE DONE SO FAR
YEARS IN BUSINESS
million secured in business funding
business served
states served
FREE DUNS NUMBER VIA DUN & BRADSTREET
FREE EXPERIAN CREDIT MONITORING VIA EXPERIAN SMART BUSINESS
THE LARGEST SUPPLY OF BUSINESS CREDIT SOURCES ANYWHERE
OVER 25 VENDORS WHO APPROVE BRAND NEW STARTUP BUSINESSES
1 Year of Business Credit Coaching Services ($25,000 value)
5 Years of Finance Officer Support ($125,000 value)
$50,000 MINIMUM GUARANTEED IN BUSINESS CREDIT & FUNDING
TESTIMONIALS
I Was Able To Get The Additional Expansion Capital I Needed, Without A Personal Guarantee…
GET STARTED NOW
Contact Us
(404) 407-5267
SCHEDULE A FREE CONSULTATION TODAY!
Business Credit & Funding Platform
EXPLAINER VIDEO
Explainer Video
BUSINESS CREDIT & FUNDING PLATFORM OVERVIEW
What separates us from the competition?
BUSINESS CREDIT & FUNDING FULL WALKTHROUGH
Test Drive Our
FREE Demo
Do-It-Yourself Business Credit & Funding Platform
FIRST RESPONDERS/ESSENTIAL WORKERS 50% OFF
business credit & funding
business credit
Business Credit & Funding Platform Walkthrough
Business Credit is Available for your Business
The Business Credit and Funding Platform is the most comprehensive system in the world for securing money for business owners.
Through the Funding Platform you can get money for your business and then build a business credit score and profile for your business so you can secure even more money without a personal credit check or personal guarantee.
The Funding Platform offers a simple, step-by-step walkthrough to help get you money for your business quickly, and then begin the business credit building process.
There are 6 essential steps you will follow through the Funding Platform, and each step provides its own unique benefits to you and your business.
With us you can build a business credit profile and score for your business that is completely separate from your personal credit file.
You can build your business credit profile with no persona credit check, and in many creditors will approve you with no personal guarantee from you meaning you are not personally liable for your business debts.
Now you can have your normal consumer credit profile, and a business credit profile built which gives you double the borrowing power. Plus you can easily and quickly build your business credit dramatically increasing your available business credit.
There are many other benefits you can enjoy that come along with our iron-clad guarantee:
Free Duns Number through Dun & Bradstreet
Free Experian Credit Monitoring through Experian Smart Business
The Largest Supply of Business Credit Sources Anywhere
Over 25 Vendors who Approve Brand New Startup Businesses
Access to Vendors Unique only to Us who Provide You Revenue Building Services
Underwriting Guidelines Supplied with All Business Credit Sources to Insure Your Approval
20 Point Corporate Compliance Review to Insure Your Business Exceeds all Lender Credibility Standards
Application Integration where All Applications Auto-populate Saving You Approval Time
Access to our Certified Concierge Business Credit Coaches who Help You Get Approved
Step 1 – Build Business Credibility
Almost all lenders keep their underwriting guidelines a secret. As a result most business owners who apply for financing are denied as they don’t meet the lender’s requirements for approval.
In step 1 we actually reveal the lender’s secret formula for approval. We go through each of the 20 secret points that lenders consider on their business funding application and help to ensure you meet or exceed their requirements for approval.
By helping you to meet the lending requirements before you even apply; you stand the best chance of approval.
In step 1 you will complete an online application. As part of this process we help you to understand what lenders require for approval and then offer one-click solutions if you don’t currently meet that lending requirement.
We can assist you with filing the paperwork for the appropriate corporation entity, setting up a virtual address, obtaining a phone and fax number as well as a toll free number. We can also assist with setting up a business email address and website, ensuring you have the proper licensing and more all in step 1. We will even help you to secure a merchant account to accept credit cards if you don’t already have one now.
As you proceed through this step you will be completing an online funding application. Once completed, the application details will ‘auto-populate’ onto your funding and credit applications as you continue through the process; this will save you lots of time and makes the application process easier as you only need to complete the application once.
Step 1 and each step thereafter give you the ability to go through each section with written and audio or video instructions. You will also be assisted by our certified business credit coaches who will work alongside you and assist with walking you through the funding approval and business credit building process.
As you complete step 1 you will be establishing a credible business that lenders will want to lend to. This will make it easier for you to get money for your business.
Step 2 – Get Approved For Funding
One of the most important differences between our platform and every other business credit building systems is the cash funding you have access to, and how fast you can receive it.
You will love the idea of building business credit and limiting your personal liability. But even more important, you want cash money for your business and you want it quickly.
Our Funding Platform is the only system in the world that combines both business credit building and the acquisition of cash funding to insure you can get more money quickly for your business, even with personal credit challenges.
In Step 2 you will complete your funding application by answering questions relating to your business assets and collateral. Once you complete this step, your full application is then cross-checked with thousands of lenders’ underwriting guidelines and they are pre-qualified for a massive abundance of funding programs including credit lines and loans.
In this step you have access to thousands of different lenders, hundreds of direct finance sources, and millions-of-dollars in funding and business credit for your business.
You can qualify for merchant advanced, purchase order and account receivable financing, equipment and auto vehicle leasing, inventory financing, unsecure credit lines, SBA loans up to 12 million, and much more. We even provide you access to a credible company to help you create your business plan if you need one.
Many of our programs are based on the business collateral you have, such as credit card sales or consistent revenue. This lending only looks at the strengths of your businesses, making it even easier to be approved.
Step 3 – Obtain Business Credit Reports
Once you have been approved for business funding, we then help you begin the process of building your business credit in Step 3.
The first step in building business credit is to see what is on your business credit reports now. The Finance Platform makes this very easy, and free to do.
You first will access their Experian Smart Business credit reports. This will tell you if you have any trade lines reporting now on your report, if you have an active credit profile open with Experian, how many inquiries you have on their report, and more.
Everything you need to know from Experian to build business credit is supplied through this Smart Business monitoring, and you can monitor your credit building in real-time with this feature. Plus the Finance Platform is the only place in the world that Experian actually gives you this data for free.
You can also elect to enroll for full credit monitoring with all three of the reporting agencies Equifax, Experian, and Dun & Bradstreet. The full monitoring does have a cost if you elect to enroll, and you can monitor and access your reports directly through your Finance Platform, the only system in existence with this direct integration with the reporting agencies.
You can also obtain your DUNS number through the Finance Platform for free. Your credit profile with Dun & Bradstreet becomes active when the first vendor accounts reports. This means you avoid any required expenses from D&B that will normally cost you up to $800 with them directly.
The Finance Platform is the only one in the world that lets you monitor your business credit reports in real-time as you are building your business credit, has direct integration with the business credit reporting agencies, gives you free Experian Smart Business access and a free DUNS number which will save you over $1,000. All of this shows how credible and valuable the Finance Platform truly is.
Step 4 – Get Approved For Business Credit
In Step 4 we help you get approved for new credit in your business name that reports to the appropriate business credit reporting agencies. Much of this credit can be obtained with no personal credit check, and with no personal guarantee required from you, eliminating your personal liability.
The first step in building business credit is to get approved with 5 Net 30 vendors who will give you credit, and who report to the business credit reporting agencies. Once you are approved and you use those accounts, the accounts are reported and will become the initial trade lines on your business credit report.
As long as you pay their bills timely, you are awarded with exceptional business credit scores that will help you start getting approved for more revolving credit cards in Step 5.
You have over 50 vendors to choose from, the largest selection anywhere. Most of the vendors will approve you for credit even if you are a brand new startup business. With the major sources we supply clients with; you can easily find the vendors you want to use to help build your new business credit.
Each vendor in the Funding Platform offers extensive details about their company, reporting, and underwriting criteria. You can see the bureaus that each vendor reports to, you can learn about the products and services each vendor offers, and you can review the vendor’s actual underwriting guidelines so you will know you can be approved before you even apply.
You can even connect with each vendor directly through the Funding Platfrom in just one-click. Your entire application information auto-populates from the Finance Platform onto your applications for credit, saving you hours of time. So in one-click you can easily submit your applications to your new business credit vendors.
Once your new vendor credit is reported to the business reporting agencies you are then awarded with an exceptional business credit score. We then help you leverage your newly built business credit profile and score to get approved for even more revolving business credit cards.
Step 5 – Build Your Business Credit to $50,000 or More
It only takes a few months to build your initial vendor accounts in step 4 and have them reporting on your business credit report. Once these 5 new accounts are reporting, you can then start securing revolving credit cards in step 5.
Much of the credit you obtain in step 5 is business credit in your business name, so there is no personal credit check required. And much of the credit can be obtained with no personal guarantee from you eliminating your personal liability.
You will first start with some revolving “starter” accounts including credit cards with retailers such as Staples, Home Depot, Tractor Supply, Shell, Office Depot, and more. As some of these accounts report on your business credit reports, you will then be able to get approved for even more credit. You can continue to apply, get approved, and obtain credit in your business name with many well-known retailers, and some you might not have heard of.
You can be approved for credit with Wal-mart, Costco, Amazon, Dell, Lowes, Sears, BP, Chevron, Sinclair Gas, Speedway, Sam’s Club, Pitney Bowes, Apple, and many more. You can even get approved for multiple credit cards with Visa, MasterCard, Discover, even American Express.
As you build your business credit in step 5 you will see that many creditors will issue you approvals as high as $10,000. And again, these are credit cards in your business name, and many of them require no personal credit check or personal guarantee from you to be approved.
In the Funding Platform each retailer lists the products they sell, who they report to, and also their underwriting requirements so you will know you can be approved before you even apply. This is the only system in existence that actually lists the real underwriting guidelines for each account, substantially increasing your chances of being approved.
We even offer you a $50,000 guarantee that you will be approved for at least $50,000 in business credit and funding, and this guarantee applies regardless of your personal credit condition. So you truly have nothing to lose with our leading business credit building platform.
Step 6 – Secure Even More Funding For Your Business
Once you finish your business credit building in step 5, you are exposed to more funding programs in step 6. Many of these funding programs will allow you to qualify using your newly established business credit profile and score, so you can get approved with no personal guarantee.
Step 6 is the reward you have worked for. You can now finally separate your business and personal liability and secure money without being personally liable for your business debts. You now have one of the strongest assets your business can possess, a powerful business credit profile.
This means in the future you will have a much easier time obtaining credit and funding in your business name. You will even start receiving multiple offers from retailers, and Visa, MasterCard, Discover, and American Express, for business credit cards in your business name.
Then you can sit back and enjoy running a business with massive amounts of credit and capital backing, making it even easier to build the business of your dreams.
The Funding Platform has money available for business owners with challenged personal credit, and even for brand new startup businesses. The Funding Platform offers cash funding as low as $5,000, and as high as 45 million dollars or more.
All together the Funding Platform offers more funding sources and products than anywhere else. You will have your own certified finance officer to help you navigate through multiple funding options and help you get approved.
By offering such a large abundance of financing sources and products we give you the best chance of being approved and obtaining funding for your business.
business FUNDING
We offer more funding sources than anywhere else in the world.
Having thousands of lenders and a multitude of funding programs means you have an exceptional chance of securing money quickly. The vast majority of our programs will work for individuals with severe consumer credit challenges.
You can be approved quickly if you have some type of legitimate asset or collateral such as account receivables, inventory, equipment, stocks, 401ks, real estate, and most other assets. You can also be approved if you have no collateral or assets even if you only have credit card sales or consistent revenue. You can qualify for all of these programs even with bad personal credit.
Get Approved For Financing Your Business Today!!!
OUR CORE FUNDING PROGRAMS
Unsecured Business Finance
Startup and existing businesses can qualify for $100,000 or more through our Unsecured Business Finance program.
The lenders will not ask for financials, bank statements, business plans, resumes, or any other of the documents so commonly requested with conventional bank funding. This program is as close to a “no-doc” program as you will get with business funding.
Unsecured accounts report to the business credit reporting agencies to get you the money you need, and help build your business credit profile and score in the process. Plus these accounts do not report on the consumer credit so they have no effect on your credit utilization helping keep your consumer credit scores high.
|
Approval Amount
|
$25,000-$150,000 |
|
Credit
|
Quality Good |
|
Terms
|
0% intro rate up to 18 months, 5%-29% based on risk |
|
Collateral
|
None Required |
|
Financials
|
None Required |
Unsecured Business Finance
Established businesses with tax returns that show good revenues can get very large sums of unsecured funding from $50,000 to $250,000 with our Unsecured Business Lines of Credit. This line of credit comes with incredibly low interest rates and generous payback terms and approvals range from 4-6 weeks. This is an amazing program for any business that shows good net profit on their business tax returns, and wants a high-limit open line-of-credit. Unsecured accounts report to the business credit reporting agencies to get you the money you need, and help build your business credit profile and score in the process. Plus these accounts do not report on the consumer credit so they have no effect on your credit utilization helping keep their consumer credit scores high.
| Approval Amount | $50,000-$250,000 |
| Credit Quality | Good |
| Collateral | None Required |
| Financials | Required |
Business Revenue Lending
Businesses can obtain money quickly through our business revenue lending program. Clients can obtain up to $150,000 and can be approved even if they have personal credit challenges. Loan terms are typically between 6-18 months and you can be approved with as low as a 520 consumer credit score. This is an exceptional funding program for any business that has consistent revenue each month, even if you don’t have financials to supply. All that is reviewed for approval is your bank statements and sometimes your merchant statements. So if those statements are solid, you stand a great chance of being approved. You just can’t beat a program that lends up to $150,000 even if you have challenged personal credit, simply because your business is bringing in revenue. And it only takes 2 weeks to close and secure your money.
| Approval Amount | $5,000-$500,000 |
| Credit Quality | Bad Credit Accepted |
| Collateral | None Required |
| Financials | None Required |
| Approval terms | 6-18 months |
Merchant Advance & Merchant Card Credit
These funding vehicles are for businesses who accept credit cards. If you accept credit cards and have sales over $5,000 monthly, you might be a great candidate for merchant advances and card credit. With Merchant Advances, lenders review your merchant processing history to determine approval. This program offers approvals as high as $250,000 and approval and funding occurs in 2 weeks or less. Plus you can be approved even if you have personal credit challenges now. There is no personal-guarantee required from the business owners to qualify. This is a great funding program for you if you have good credit card procession volume monthly, even if you have personal credit issues.
| Approval Amount | $5,000-$250,000 |
| Credit Quality | Bad Credit Accepted |
| Collateral | None Required |
| Financials | None Required |
| Approval terms | 6-18 month loans, or a revolving line-of-credit |
Account Receivable Financing
Many businesses wait weeks, even months to get paid on their outstanding account receivables. This typically creates major cash-flow issues as you provide your goods and services and absorb those costs until you eventually get paid sometimes 90 days later.
With our Account Receivable Financing you can regularly secure money against your receivables in as little as 24 hours.
Once you are approved you can then receive funding up to 80% of your existing receivables. Medical and construction receivables can also qualify for this financing program with us.
The lender truly doesn’t care about your personal credit to qualify. So even if you have horrible personal credit, if you have good receivables or purchase orders you can still be approved.
This can help significantly ease your cash-flow restraints, and very easily build an even more profitable business.
| Approval Amount | $10,000-$20 million |
| Credit Quality | Bad Credit Accepted |
| Collateral | Account Receivables |
| Financials | None Required |
| Approval terms | 2-6% rates are common |
Purchase Order Financing
Many businesses use their working capital to fulfil purchase orders, which creates major cash-flow issues. Our Purchase Order Financing is a short-term finance option that provides capital to pay their suppliers upfront so their company doesn’t have to deplete cash reserves. With PO financing you can be approved in less than 3 weeks and you can be approved even if you are a brand new start-up business. Once approved you can then receive funding up to 95% of your existing purchase orders. The lender truly doesn’t care about your personal credit qualify. So even if you have horrible personal credit, if you have purchase orders you can still be approved.
| Credit Quality | Bad Credit Accepted |
| Collateral | Purchase Orders |
| Financials | None Required |
Inventory Financing
With inventory financing, you can borrow against your existing inventory and qualify for financing. The inventory is used as collateral, so you can be approved even if you have challenged credit. Your approval amount is typically equivalent to 50% of your existing inventory, and loan amounts start as low as $150,000. This type of financing is perfect for business owners who have a large inventory and are looking for funding for their business, even when you have personal credit challenges.
| Approval Amount | $150,000- $10 million |
| Credit Quality | Bad Credit Accepted |
| Collateral | Inventory |
| Financials | None Required |
| Approval terms | Revolving line-of-credit |
401 K Plan Financing
Our 401k Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401 K plan or IRA. In as little as 3 weeks you can invest a portion of your retirement funds in your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth. 401k financing offers a safe, proven plan based on long-standing provisions of the Internal Revenue Service. You can be approved for financing as much as 200% of what is in your 401k. And, there is no penalty for withdrawal.
| Approval Amount | up to 200% of 401k balance |
| Credit Quality | Bad Credit Accepted |
| Collateral | 401k/ IRA |
| Financials | None Required |
| Approval terms | revolving line-of-credit, rates as low as 2% |
Securities Based Line of Credit
You take advantage of the lowest possible interest rates and retain the security of maintaining full ownership of your securities with securities financing. This funding program was developed to provide lines of credit leveraging securities portfolios to a higher loan to value than a standard margin loan. Closing and funding takes place in 2 weeks or less and you will have a choice of floating or fixed rates. Rates are as low as 1.6%, and you can obtain funding as high as 90% of the value of their securities. Your securities remain in your name, and you clients can be approved with very limited documentation. This program is not based on your personal credit or income, so you can get approved even with credit issues or no revenue for your business. There is no prepayment penalty, and you receive 100% of your portfolio appreciation. Plus foreign nationals are accepted into this program.
| Approval Amount | up to 90% of securities value |
| Credit Quality | Bad Credit Accepted |
| Collateral | Stocks, bonds, other securities |
| Financials | None Required |
| Approval terms | revolving line-of-credit, rates as low as 1.6% |
Secured Small Business (SBA) Loan
Established businesses with tax returns that show good revenues and profitability can get very large sums of funding with Secured Small Business Loans. If you have business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12M. SBA offers several programs including 504 and 7a loan programs. SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital. Approval amounts will vary based on the collateral your business has and the amount of net profit reflected on your tax returns. The total time to close these loans is about 2-4 months.
| Approval Amount | up to $250,000 – $12 million |
| Credit Quality | Good Credit Accepted |
| Collateral | Collateral equal to 50% of loan amount is required |
| Financials | Required |
| Approval terms | long-term loans, rates as low as 2% over current prime rate |
Equipment Financing & Leasing
We offer equipment financing and leasing programs for start-up and existing businesses, even with challenged credit. Financials aren’t needed to secure the equipment financing, and approvals take as little as 24 hours. This type of funding is good for business owners who want to borrow money to get equipment, or for owners who want to borrow against existing equipment they already own. You can obtain equipment financing from us as high as $2,000,000. We offer many types of equipment financing including equipment Pronto Leasing, standard leasing, and municipal leasing for state and local governments, equipment financing, heavy equipment financing, and more.
| Approval Amount | $10,000- $2 million |
| Credit Quality | Average Credit Accepted |
| Collateral | Equipment |
| Financials | Required |
House Reseller Financing
You can enjoy a quick closing and high loan-to-values with our rehabilitation loans. Rehab loans are tailored for the real estate investor who wants to make repairs before selling the property.
Using the property as collateral, funds are available for short-term residential renovation projects that most traditional banks and credit unions won’t approve. Authorized monies will be held in escrow and released in draws as your contractor’s complete renovations.
Your clients can secure 100% of the cost to acquire the property and for the rehab costs. There is no prepayment penalty, your clients can secure 6 month loan terms, loan amounts start at $25,000, and most residential 1-4 family units that are non-owner-occupied will qualify.
| Approval Amount | $25,000+ |
| Credit Quality | Average Credit Accepted |
| Collateral | Investment Property |
| Financials | Required |
| Approval terms | 6 month loans, rates of approximately 8% |
Commercial Real Estate Financing
We offer commercial real estate financing ranging from $75,000-20,000,000. This financing can be used for the purchase of property, or the refinancing of a property, even if you are doing a cash-out refinance. Loan-to-values range from 55-65% depending on the purpose of the loan. We have funding programs available including conventional property financing, money for investment properties and hard money loans, bridge loans, and loans for the purchase of commercial real estate, plus your clients can also obtain SBA loans.
| Credit Quality | Good Credit Accepted |
| Collateral | Commercial Real Estate |
| Financials | Required |
Book of Business Finance
Businesses can obtain money quickly through our business revenue lending program. Clients can obtain up to $150,000 and can be approved even if they have personal credit challenges. Loan terms are typically between 6-18 months and you can be approved with as low as a 520 consumer credit score. This is an exceptional funding program for any business that has consistent revenue each month, even if you don’t have financials to supply. All that is reviewed for approval is your bank statements and sometimes your merchant statements. So if those statements are solid, you stand a great chance of being approved. You just can’t beat a program that lends up to $150,000 even if you have challenged personal credit, simply because your business is bringing in revenue. And it only takes 2 weeks to close and secure your money.
| Approval Amount | $5,000-$500,000 |
| Credit Quality | Bad Credit Accepted |
| Collateral | None Required |
| Financials | None Required |
| Approval terms | 6-18 months |
Private Equity Financing
We work with thousands of lending sources nationwide and many of them are private investors who are seeking the right opportunity to invest in. If you have collateral, average credit, and positive tax returns, you can be approved with many private investors at very good loan terms. With our private money sources you won’t be required to give up any percentage of ownership equity in your business. You retain full control and are still able to obtain private investor funding, even when your bank says no.
| Approval Amount | $50,000-$$2 million |
| Credit Quality | Good Credit Accepted |
| Collateral | None Required |
| Financials | None Required |
business credit & funding
always 50% off
Regular Price $5,000
The American Plan
$2,500