Can you provide funding for clients who are not U.S. citizens?

No, clients must be permanent residents/U.S. citizens currently residing in the United States.

Do I need a down payment or need to pledge collateral?

No, most options we offer do not require a down payment or any collateral. If the funding is being used to purchase an asset, such as equipment or commercial real estate, that will allow you to qualify with lower credit scores.

Does my business need to be generating revenue before I can receive funding?

No, if you have good credit, 700+ credit scores, then we can most likely help with funding. Having good credit with verifiable income outside of your business will always help as well.

Will the review be a hard pull on credit?

NO HARD inquiries on any reviews, we can give you an offer without a hard inquiry.

Does my co-signer need to be a business partner?

No, can be a family member or friend who is willing to help.

Can I still get financing if I just quit my job?

Yes, if you have good credit or a co-signer we have options!

Do we charge any upfront fees or application fees?

No, Finance Factory does not charge any upfront fees. We only get paid if you successfully receive funding.

Are there any industry restrictions?

No, we work with all industries providing your credit score or partners/co-signers are 700 or better.

How quickly can I get funding?

We can provide credit decisions within 24 hours or less and funding can take place in as few as 3 days.

What are the interest rates?

We offer funding programs with rates as low as 0%. Your specific rates depend on the strength of your credit profile, funding amount, term, and other qualifying factors.

Consent For Electronic Signatures

Consent For Electronic Signatures, Records, And Disclosures (“E-Consent”)

Please read this information carefully and print a copy and/or retain this information for future reference.

1. INTRODUCTION

You are submitting a request to be connected with one of our Lending Partners (“Lending Partners”). In order to offer you a loan, the Lending Partners need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

2. OPTION FOR PAPER OR NON-ELECTRONIC RECORDS.

You may request any Disclosures in paper copy by contacting the Lending Partner directly. The Lending Partners will provide paper copies. The Lending Partners will retain all Disclosures as applicable law requires.

3. SCOPE OF CONSENT

This E-Consent applies to all interactions online concerning you and the Lending Partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third-party Lending Partner may process your information and interact during all online interactions with you electronically.

The Lending Partner may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third-party Lending Partners’ websites, and may be provided by e-mail.

4. CONSENTING TO DO BUSINESS ELECTRONICALLY.

Before you decide to do business electronically with the Lending Partners, you should consider whether you have the required hardware and software capabilities described below.

5. HARDWARE AND SOFTWARE REQUIREMENTS.

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®.

You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third-party Lending Partners.

6. CHANGE TO YOUR CONTACT INFORMATION.

You should keep third party Lending Partners informed of any change in your electronic address or mailing address. You may update such information by logging into the third-party Lending Partner’s website or by sending the Lending Partner a written update by mail.

Your ability to access disclosures. by clicking on any box or link to proceed on this website, you agree to our terms. you acknowledge that you can access the disclosures in the designated formats described above.

By clicking on any box or link to proceed on this website, you assent to the terms. you acknowledge you have read this information about electronic signatures, records, disclosures, and doing business electronically. you consent to using electronic signatures, having all disclosures provided or made available to you in electronic form and to doing business with the lending partner electronically. you acknowledge that you may request a paper copy of the electronic records and disclosures, which will be provided to you at no charge. if you refrain from proceeding then you neither wish to use electronic signatures nor conduct this transaction electronically. you also acknowledge that your consent to electronic disclosures is required to receive services from third party lending partners over the internet.