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.

Blog

Home » Blog

Articles Does a Business Loan Affect Your Personal Credit?

What every small business owner needs to know before signing the dotted line Photo by...

Articles 6 Advantages of Taking Out a Business Loan

Learn How Financing Can Help You Grow Your Business With Confidence Photo by Mikhail Nilov:...

Articles Making Sense of Interest Rates for Business Loans

Everything you need to know about interest rates before you apply for a loan Photo...

Articles Where To Get a Loan for Your Small Business

Get expert insights on how to find the best place for a business loan Photo...

Articles Are Business Loans Tax Deductible?

What you can -and can’t- claim on your tax return Photo by Kindel Media: When...

Articles Is a Business Debt Consolidation Loan Right For You?

Unlocking the secret to solid financial footing Photo by Anna Nekrashevich: There’s no question that...

Articles Business Loans Vs. Personal Loans: Which Is Right for You?

How to compare your loan options to make the best choice for your company Photo...

Articles Everything You Need To Know About Credit Scores and Business Loans

A complete guide to score requirements and how to boost your chances of getting funding...

Articles Are You Prepared to Make a Down Payment on a Business Loan?

Learn how much you’ll need to put down to qualify for a loan Photo by...

Articles How To Get an SBA Loan for Your Professional Practice

A Comprehensive Guide to SBA 7(a) Loan Eligibility Photo by Alex Green: Whether you’re launching...

Articles How to Secure Business Funding Without a Personal Guarantee

Business loan options that don’t require personal collateral Photo by Kampus Production It’s easy to...

Articles 7 Business Financing Options for Startups and Small Businesses

The ultimate guide to finding the money you need to launch or grow your company...

Articles 5 Tips For Growing Your Small Business Post-COVID

Though COVID-19 is surely going to be part of daily life for years to come,...

Explainer Videos Test Funding Range Report

These are a spectrum of unsecured business and personal credit lines and loans. These are...

Articles What Is Lender Compliance?

What is an unsecured loan? In comparison to the secured loans you typically. What is...

Articles What Is An Unsecured Loan?

There are 20 items of Lender Compliance that your business should complete. There are 20...

Articles Funding Range Report

These are a spectrum of unsecured business and personal credit lines and loans. These are...

Articles How Lines Of Credit Work

For those of you wondering how lines of credit work, they’re not much.For those of...

Articles Debunking Common Myths Surrounding Small Business Loans

Congratulations on finally deciding to take the next step in growing your.Congratulations on finally deciding...

Articles Test 5 Tips For Growing Your Small Business Post-COVID

Though COVID-19 is surely going to be part of daily life for years to come.Though...

Articles Best Loans For Your Roofing Company

If you’re looking for the best loans for your roofing company, you’ve come to the...

Articles Best Startup Loans For Your Italian Restaurant

While Italian wasn’t always a staple American cuisine, nowadays, it’s one of the most popular...

Articles Best Loans To Finance Your Diner

Since you’re here, it’s safe to assume you’re looking for the best loans to finance...

Articles How To Open A Coffee Shop

It can be difficult to know exactly how to open a coffee shop. In the...

Articles How To Open A Cafe In 8 Easy Steps

When it comes to knowing how to open a cafe, the process isn’t much different...

Articles How To Fund Your Deli Shop

It’s incredible that you’ve finally decided to start your own deli shop. However, we’re sure...

Articles 4 Best Loans To Fund Your Burger Shop

Burger shops, joints, restaurants– whatever you want to call them, have been a staple of...

Articles Benefits Of Revenue Based Loans For A Restaurant Owner

As a restaurant owner, Revenue Based Loans are great, but they aren’t the only options....

Articles 5 Best Reasons To Get A Personal Loan

According to NerdWallet, A personal loan is money borrowed from a bank, credit union or online...

Articles Advantages Of A Business Line Of Credit For Your Mexican Restaurant

As a restaurant owner and or entrepreneur, you may need a loan to finance your...