BUSINESS FINANCING

Get Business Loans & Credit Lines even when banks Say “No”

Easily & Quickly
Get Funding
for Your Business

Over 90% of business loans now come from alternative lenders, not conventional banks. And these alternative lenders only typically work with 1-2 limited funding programs, strangling your chances of getting a good loan.

At Nicer Credit we work with all legitimate funding programs available today, offering funding through hundreds of investors and lenders. This gives you the best opportunity to get more funding at great terms.

Your own personal Finance Officer develops your Finance Blueprint with all of your funding options. Once you choose the funding you’d like they go to work to negotiate with lenders and investors and quickly get you financing.

FREE Business Credit
& Loan Consultation!

Enter your email below to get your no-cost business credit and loan consultation along with your free business credit report and score! (Value $299).

The Leaders in Business Credit Building

Get Business Loans & Credit Lines Even When Banks Say “No”

Our Unsecured Business Financing program is perfect for entrepreneurs who are just starting their business as well as those who are already well established. You can be approved for $150,000 in 0%, unsecured financing with no collateral or cash flow requirements.

This program is designed to help clients get funding based strictly on personal or business credit quality.  Our lenders will not ask for financials, bank statements, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

This program is as close to a “no-doc” program as you can get with business funding.  And the best part is that you can even be approved with introductory rates as low as 0% giving this program the best terms in the country.

Easy Qualification Process

Our Unsecured Business Financing program is extremely popular due in part to how easy it is to get approved.  To qualify lenders will look solely at you or your credit partner’s personal credit quality.  They are looking for very good personal or business credit with little to no derogatory items reporting.

Our lenders will review the credit report to insure there are no derogatory items on the report.  To be approved you shouldn’t have any open collections, late payments, tax liens, judgments, or other types of derogatory items reported.

To qualify you should also have less than 2 inquiries on your credit report within the last 6 months.  You should have established credit including open revolving accounts now reported on your credit report with balances below 30% of your limits.  And lenders typically want to see personal credit scores of at least 700 or business scores of 80 or higher.

Do You Have Credit Issues Now?

If you have good credit there is an exceptional chance you can be approved for our unsecured financing.  But even if you have personal credit issues now and no established business credit, we still might be able to help.

You can qualify for our unsecured financing program with a personal guarantor.  If you have someone such as a business partner who does have good personal credit, they can apply and qualify for unsecured financing for the business.

Our collateral-based financing programs are perfect for consumers with personal credit challenges. You can get approved with great terms and get approved even with severe credit issues.  You can also qualify for financing with us if you have been open more than a year and have active cash flow for your business now.

Our Business Credit Building Program can help you quickly establish a business credit profile and score so you can qualify for unsecured financing based on your business credit.  We even work with a powerful network of credit improvement specialist who can help you repair your personal credit damage.

Get Approved with Amazing Terms!

Most lenders charge very high interest rates on unsecured financing due to the risk of the business owner not pledging collateral for security. But most of our exclusive unsecured financing offers very low initial intro interest rates, as low as 0% for the first 6 months.  Rates typically range from 3-15% after the intro period, the actual rate will depend on risk.

Most unsecured lenders also charge high amounts of points ranging from 12-30%, and they also charge application fees for unsecured financing programs.  But our exclusive lenders offer the lowest fees in the industry, less than 10.2%, and you only pay them any type of fee if you are approved and have secured your funding.

You can get approved for as much as 5 times whatever your highest revolving credit card limit is now.

Powerful Benefits!

  • 0% interest is common for 6-18 months
  • Business credit can also be used to qualify
  • 24 hour pre-approval
  • Startup business can qualify
  • True NO DOC financing program
  • Application to funding in 3 weeks or less
  • No application fees
  • Credit approvals up to $150,000 per individual
  • Multiple signers can be approved
  • No collateral requirements
  • Credit partners can also apply
  • No cash flow requirements

Approval Amount $5000-$150,000
Credit Quality Good
Collateral None Required
Financials None Required

Business Revenue Financing is perfect for entrepreneurs who are looking for fast, easy money with little headaches.  You can easily be approved for financing as much as $500,000 within 24 hours based on a simple review of your business bank statements.

This program is designed to help clients get funding based strictly on their cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

You can be approved even if your credit scores are as low as 500.

Easy Qualification Process

Our Revenue Financing program is one of the easiest, hassle frees ways you can obtain business financing.

To determine approval the lender will review 4-6 months of your bank statements.  All the lenders are looking for is consistent deposits showing your revenue is $120,000 or higher annually.  They will also verify that you have been in business one year or more. If you haven’t been in business one year or more

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements and that you have more than 5 deposits in a month going into your bank account.  Basically all they are looking for is that you manage your bank account responsibly and have a decent number of consistent deposits.

If you meet this simple criteria you can be approved!

Do You Have Credit Issues Now?

Our Revenue Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and collections on your credit report.  This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.

FAST Funding!

You can be pre-approved for our Revenue Financing program within 24 hours.  You can receive your formal approval within 72 hours from submitting your application.  And you can receive your money in your bank account within 7 days or less from applying!

Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!

Get Money Consistently!

Over 85% of our clients come back for even more financing after their initial approvals. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.

And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 72 hours or less!

Our Revenue Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!

Powerful Benefits!
Powerful Benefits!

  • 24 hour pre-approval
  • Loan amounts to $500,000
  • Application to funding in 7 days or less
  • Get approved for additional future funding
  • Easy bank statement review for approval
  • No application fees
  • Get approved with bad credit
  • No collateral requirements
  • 3-18 month financing terms
  • Get approved for up to 12% of annual revenue

Approval Amount $5000-$150,000
Credit Quality Good
Collateral None Required
Financials None Required

Our Merchant Financing program is perfect for business owners who accept credit cards and are looking for fast and easy business financing!  You can be approved for as much as $500,000 in financing with no collateral requirements and bad credit.

This program is designed help you get funding based strictly on your cash flow as verifiable per your business banks statements. Our lenders will not ask for financials, business plans, resumes, or any of the other burdensome document requests that most conventional lenders demand.

You can be approved even if your credit scores are as low as 500.

Easy Qualification Process

Our Merchant Financing program is one of the easiest, hassle frees ways you can obtain business financing.

To determine approval the lender will review 4-6 months of your bank and merchant account statements.  All the lenders are looking for is consistent deposits showing your revenue is $50,000 or higher annually.  They will also verify that you have been in business 6 months or more.

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds showing on your bank statements, low chargebacks on your merchant statements, and that you have more than 15 deposits in a month going into your bank account.

Basically all they are looking for is that you manage your bank and merchant accounts responsibly and have a decent number of consistent credit card transaction deposits each month.

Do You Have Credit Issues Now?

Our Merchant Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and collections on your credit report.  This is one of the best and easiest business financing programs in existence that you can qualify for even if you have personal credit problems.

FAST Funding!

You can be pre-approved for our Merchant Financing program within 24 hours.  You can receive your formal approval within 72 hours from submitting your application.  And you can receive your money in your bank account within 7 days or less from applying!

Our clients love this program partially due to how easy it is to apply and get approved and how FAST you receive your funds!

Get Money Consistently!

Over 85% of our clients come back for even more financing after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3-6 months of approval you will be given an opportunity to get even more money than you obtained before.

And all you will need to get approved for the additional funding is a quick review of your last 2 months bank statements. And, you can get your money in your bank account within 72 hours or less!  And we also provide you access to merchant credit lines where you can have consistent access to cash.

Our Merchant Financing program helps you rapidly grow and scale your business as you will have ongoing access to receive more and more funding easily and very quickly, when you need it!

Powerful Benefits!
Powerful Benefits!

  • 24 hour pre-approval
  • Loan amounts to $500,000
  • Application to funding in 7 days or less
  • Get approved for additional future funding
  • Easy bank statement review for approval
  • No application fees
  • Get approved with bad credit
  • No collateral requirements
  • Get approved with revenues of $50k or less
  • Starter programs are also available
  • 3-18 month financing terms
  • Get approved for up to one month’s revenue

Approval Amount $5000-$250,000
Credit Quality Bad Credit Accepted
Collateral None Required
Financials None Required

Many businesses wait weeks, even months to get paid on their outstanding account receivables.   This typically creates major cash-flow issues as they provide their goods and services and absorb those costs until they eventually get paid sometimes 90 days later.

With our Account Receivable Financing you can regularly secure money against their receivables in as little as 24 hours.  And you can get rates less than 2% and financing as high as $20,000,000 even with severely challenged personal credit.

Easy Qualification Process

Account receivable financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for AR Financing your business must be open for at least 12 months.  The lender will review your existing receivables or purchase orders, and will look into the company that your receivables are with.

If the companies who owe you money have a good history of paying their debts, you can easily be approved regardless of your personal credit quality.

Do You Have Credit Issues Now?

Our Account Receivable Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved and advanced 80% of your receivables, even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score lower than 500, even if you have recent derogatory items and major collections on your credit report.  Lenders truly don’t care about your personal credit, they care more about the credit of the company who you have the receivables with.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your account receivables you can receive your initial approval and funding in 3 weeks or less. After you are initially approved you will be able to get paid on future receivables within 24 hours.

Really Low Rates Regardless of Credit!

With our AR financing program you can get approved with really low rates even if you have severe credit challenges. In almost all cases your rate will be 2% or less even if your personal credit scores are less than 500.

This means you can get paid tomorrow instead of waiting weeks or months to get paid, and you can do this for less than the cost of you accepting a credit card payment from your customers.

There are very few other programs in existence that can give you these low of rates even if you have severe personal credit challenges.

Powerful Benefits!

  • 24 hour pre-approval
  • Receive an advance of 80% of your receivables
  • Rates less than 2%
  • Receive other 20% less fee after invoice is paid
  • Easy account receivables review for approval
  • No application fees
  • Get approved with bad credit
  • Application to funding in 3 weeks or less
  • Get approved with no revenue requirements
  • Get paid on future receivables in 24 hours

Approval Amount $10000-$20 million
Credit Quality Bad Credit Accepted
Collateral Account Receivables
Financials None Required

Sometimes you might have large orders to fill but don’t have or want to use your cash flow to pay for the supplies needed to fulfill those orders.  Our Purchase Order Financing is a short-term finance option that provides capital so you can pay your suppliers upfront so your company doesn’t have to deplete cash reserves.

Purchase Order Financing allows companies to grow without increased bank debt or selling equity.  It also helps you increase market share by ensuring timely deliveries are made to your customers.

Our areas of expertise include production finance for work in process and Letters of Credit for trade finance.  This includes import and export transactions as well as domestic trade purchases.

Easy Qualification Process

Purchase Order Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To get approved lenders will typically do a quick review of your outstanding purchase orders that need filled.  If the purchase orders are valid and the suppliers you are dealing with are credible, you can be approved regardless of personal credit history.

Do You Have Credit Issues Now?

Our Purchase Order Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score lower than 500, even if you have recent derogatory items and major collections on your credit report.  Lenders truly don’t care about your personal credit, they care more about the reputation of your supplier.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your purchase orders you can receive your initial approval and funding in 2 weeks or less.

Powerful Benefits!
Powerful Benefits!

  • 24 hour pre-approval
  • Secure funding for as much as 95% of your POs
  • Easy purchase order review for approval
  • No application fees
  • Get approved with very bad credit
  • Application to funding in 2 weeks or less
  • Get approved with no revenue requirements
  • Rates typically range from 1-4%

Approval Amount $5000-$20,000
Credit Quality Bad Credit Accepted
Collateral Purchase Orders
Financials None Required

With our Inventory Financing program you can obtain a low-rate credit line using your current inventory as collateral.

Secure a credit line for 50% of your current inventory value if your inventory is worth $500,000 or higher.  You can be approved for a line with rates as low as 2-5% regardless of your personal credit quality.

Easy Qualification Process

Inventory financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for Inventory Financing your business must be have an existing inventory now that is valued over $500,000.  The inventory might be of supplies, retail merchandise, materials used to produce your product, or other non-obsolescence inventory.

The lender will review your existing inventory and is also interested in the quality of your inventory management system. If you have inventory that qualifies you can be approved quickly with just a review of your inventory records.

Do You Have Credit Issues Now?

Our Inventory Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.

You can be approved with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your inventory summaries you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!

  • 24 hour pre-approval
  • Secure financing of 50% of your inventory value
  • Easy inventory review for approval
  • No application fees
  • Easy bank statement review for approval
  • No application fees
  • Get approved with bad credit
  •  Application to funding in 2 weeks or less
  • Get approved with no revenue requirements
  • Rates typically range from 2-5%

Approval Amount $150,000-$500,000
Credit Quality Bad Credit Accepted
Collateral Inventory
Financials None Required

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 2 weeks you can invest a portion of your retirement funds into your business, giving you more control over the performance of your retirement plan assets and the working capital  you need for business growth.

Easy Qualification Process

401k Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify for 401k Financing all the lender will require is a copy of your two most recent 401k statements. If your 401k has a value over $25,000 you can be approved, even with severely challenged personal credit.

Whatever percent of your 401k is “rollable” is the amount of financing you can receive. In many cases, you can secure a low-interest loan for as much as 100% of your current 401k value.

Do You Have Credit Issues Now?

Our 401k Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 5.25% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your 401k statements you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!

  • 24 hour pre-approval
  • No penalties for roll-over
  • Easy 401k review for approval
  • No application fees
  • Get approved with very bad credit
  • Application to funding in 2 weeks or less
  • Get approved with no revenue requirements
  • Rates of 5.25% are common
  • Credit-line for 50-100% of rollable 401k
  • Based on proven IRS strategies

Approval Amount Up to 200%
Credit Quality Bad Credit Accepted
Collateral 401K/IRA
Financials None Required

Our Securities-based Financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in stocks or bonds to obtain a low-interest credit line.

In as little as 2 weeks you can invest a portion of your stocks or bond into your business, giving you more control over the performance of your retirement plan assets and the working capital  you need for business growth.

You can be approved for a low-interest credit line for as much as 70-90% of the value of your securities.  Most stocks and bonds accepted, and you keep all of the interest and appreciation from your securities.  Plus there is no pre-payment penalty and your securities remain in your name.

Easy Qualification Process

Securities-based Financing is very easy to qualify for as you won’t need financials or good credit to get approved.

To qualify all the lender will require is a copy of your two most recent securities statements. If your stocks or bonds have a value over $25,000 you can be approved, even with severely challenged personal credit.

Do You Have Credit Issues Now?

Our Securities-based Financing program is perfect for business owners who have credit issues.  Lenders are not looking for, nor do they require good credit to qualify. You can even be approved for a low-interest credit line with rates lower than 2-5%, even with severely challenged personal credit and low credit scores.

You can be approved for a credit line with rates as low as 2-5% with a personal credit score as low as 500, even if you have recent derogatory items and major collections on your credit report.

This is one of the best and easiest business financing programs in existence that you can qualify for and get really good terms even if you have severe personal credit problems.

FAST Funding!

After the lenders review your securities statements you can receive your initial approval and funding in 2 weeks or less.  You will be able to secure a working-capital credit line to use for whatever purposes you need.

Powerful Benefits!

  • 24 hour pre-approval
  • No penalties for roll-over
  • Easy securities review for approval
  •  No application fees
  • Get approved with very bad credit
  •  Application to funding in 2 weeks or less
  • Get approved with no revenue requirements
  • Rates of 5.25% are common
  • Credit-line for 70-90% of securities value
  • Most stocks and bonds accepted
  • Securities remain in your name
  • You keep all of the interest from your securities
  • No pre-payment penalty
  • You keep 100% of your appreciation

Approval Amount Up to 90% of value
Credit Quality Bad Credit Accepted
Collateral Stocks, Bonds, Other Securities
Financials None Required

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 positive business tax returns, you should apply for secured government-backed SBA program loans from $250K up to $12,000,000.  SBA offers several programs including 504 and 7a loan programs you may qualify for.

SBA programs can be used for many purposes including purchasing a new business, partner buy outs, real estate acquisition, and even working capital.

SBA will require certain documentation to qualify including business and personal financials, resume and background information, personal and business credit reports, a business plan, bank statements, collateral, and other documentation relevant to the transaction.

Approval amounts will vary based on the collateral their business has and the amount of net profit reflected on their tax returns.  The total time to close these loans is about 2-4 months.

Low-interest and Long-term Business Financing

SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA.  Plus in many cases interest rates are as low as 5-6% on the financing you secure.

A recent Gallup survey found that 80% of U.S. businesses lease a portion of their equipment. The list of companies using leasing ranges from the Fortune 500 to the family store.

We offer equipment financing and leasing programs for startup and existing businesses.  You can get approved even with challenged credit, you won’t need financials to secure equipment financing, and approvals take as little as 24 hours.

Easy Qualification Process

You can be approved for Equipment Financing and Leasing with as low as a 640 personal credit score.  To get approved lenders will request details on the equipment you are obtaining or using as collateral to borrow against.

After a quick credit review you can be approved for as much as $2,000,000 in equipment financing.

Equipment Leasing is Powerful!

We help business owners obtain financing to lease equipment.  With equipment leasing you receive even more favorable terms than typical business financing programs, with even more benefits.

Whether you are a startup business or a well-established business, we have hundreds of equipment lenders who would like to help.  You can qualify with only two monthly payments as a down payment. And you can get approved with a credit score as low as 640.

Rates are affordable and 100% of your interest is tax deductible.  Plus, you can get approved for financing ranging from $25,000 to $20,000,000

Equipment Sale-Leaseback Puts Cash in Your Pocket!

Our Equipment Sale-Leaseback program gives you cash using your existing equipment as collateral.  If you have valuable pieces of equipment you can use those as leverage to obtain equipment financing.  To qualify your equipment should be of higher value such as $25,000 or more.

If you do have a piece or multiple pieces of valuable equipment you can then sell those to the lender and they will in-turn lease the equipment back to you.

You get cash in your pocket, and you start a lease with the bank with lower payments and interest that is tax deductible.

Powerful Benefits!

  • 24 hour pre-approval
  • No application fees
  • Interest is Tax Deductible
  • Application to funding in 2 weeks or less
  • Purchase, lease, or borrow against existing equipment
  • Heavy equipment financing available
  • Loans to $20,000,000
  • Get approved with average credit

Approval Amount $250,000-$12 million
Credit Quality Good Credit Accepted
Collateral 50% of loan amount
Financials Required

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.

Awesome Terms!

You can obtain private money financing with much the same terms as conventional bank loans.  Rates vary based on risk typically ranging from 5-18%.  You can get approved for long-term loans of 5 years, 10 years, or longer, or you can get your funding through a working capital credit line that you can access and use any time you need it.

Easy to Get Approved!

There are three main elements private investors look for to approve you for funding. Firstly, lenders want to see that you have tax returns that reflect a profit. They will also verify that your sales and profits are increasing from year-to-year. Lenders look at these qualities as signs of a healthy company worth of long-term investment.

Secondly, lenders will verify that you have average credit. You can be approved with credit scores as low as 640 as long as you don’t have any severe negative credit items on your report that are recent.

Lastly, to get approved you should have collateral. Unlike many conventional and SBA loans that require nearly 100% collateral for what you are borrowing, with our private sources you can be approved with collateral equivalent to 20% of what you are borrowing.

Collateral can be liquid cash, stocks, bonds, 401k, IRAs, commercial real estate, or other types of viable business collateral.

Get Approved when Banks Say “No”!

Private money financing is often called SBA fall out as it typically helps those who can’t get approved for conventional SBA financing.  SBA loans have very stringent qualifying requirements, so stringent that nearly 90% of applications are denied.

With Private Money Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand.   You can get approved with just a quick review of your tax returns, credit, and bank statements.

Unlike conventional financing you don’t need good credit, average credit will suffice to qualify.  You don’t need collateral valued at 100% of what you are borrowing like conventional financing, you can get approved with as little as 20%.

You can secure private money financing without most of the headaches and limitations that are common with conventional business financing.

Powerful Benefits!

  • Loans from $100,000-20,000,000
  • No application fees
  • Get approved with average credit
  • Low collateral requirements
  • 72 hour pre-approval
  • Rates of 5-18% based on risk
  • Get approved when banks say “no”
  • Credit lines and loans available

Approval Amount $10,000-$2 million
Credit Quality Average Credit Accepted
Collateral Equipment
Financials Required

Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral.  This program is the best program available for insurance agents regarding approval requirements and approval terms.

You can be approved for a 3-10 year loan or credit line for your insurance business, even if you have average credit.  And all you truly need to qualify is a book-of-business of renewable commissions. You can even use the book-of-business for the insurance agency you are buying as collateral to get approved.

Easy to Get Approved!

Insurance agents rave about how easy this program is to qualify for. The lenders are mainly looking to insure you have a viable book of renewable commissions for your insurance agency. If you do, you can be approved even with a 620 personal credit score.

You can secure as much as 120% of the surrender value of your renewable commissions. And most agencies can qualify, excluding State Farm.  All you need for approval is a complete application and breakdown of your renewables.

You can rates as low as 4% over the Prime rate and you can get loan terms as long as 10 years helping keep your payments low.

Get Approved when Banks Say “No”!

Book-of-business financing is the absolute best long-term solution for insurance agents who can’t secure SBA, conventional type loan financing.

With Book-of-business Financing your business doesn’t need to be perfect, nor do you need to supply the extensive documentation that lenders typically demand.   You can get approved with just a quick review of your credit and renewable commission breakdown.

Unlike conventional financing you don’t need good credit, you can be approved even with severely challenged personal credit and scores as low as 520.  Lenders are actually more interested in you supplying 3 solid references than they are with you having good credit.

Powerful Benefits!

  • Use book-of-business of renewable commissions to qualify
  • No application fees
  • Get approved with bad credit
  • No other collateral requirements
  • 72 hour pre-approval
  • Rates of 4-9% plus prime based on risk
  • Get approved when banks say “no”
  • Credit lines and loans available
  • Secure as much as 120% of commission surrender value
  • Can be used to purchase an agency

Approval Amount $50,000-$$2 million
Credit Quality Good Credit Accepted
Collateral None Required
Financials None Required

Nicehr Credit Features & Benefits

Easy Business Credit Building System

Build your business credit through our industry leading step-by-step business credit building platform the Business Finance Suite.

Work with Experts

Get concierge service with your own Business Advisor and Finance Officer team who help with all aspects of helping you get business credit and loans.

Cutting Edge Technology

Get credit and financing easily through our completely unique, cutting edge, step-by-step, Finance Suite platform.

Build Your EIN Credit

Get credit for your EIN that’s not linked to your SSN regardless of personal credit, collateral, or cash flow through vendors, retailers, and fleet sources.

Get Funding

Get approved for business funding even as a startup, having no collateral, or with challenged personal credit, even when banks say “no”.
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