- Info@LearnAndGrowEnterprise.com
- 800-875-3790
Many potential clients approach our company looking to apply for business funding.
One of our first questions is:
“Is your business making revenue?”
If yes:
“How much per month or per year?”
But often we hear:
“No, the business is new, it’s not making money yet.”
So our next question is about your personal credit profile — and here’s what we commonly hear:
“I’m trying to get business funding so my personal credit shouldn’t matter.”
The reality is:
If your business isn’t already making solid, consistent money, lenders will expect YOU to back the loan with your personal credit through a personal guarantee (PG).
Your personal credit profile is extremely important for many reasons and when it comes to business credit, having a strong personal credit profile can allow you to stack tons of business funding and set yourself up for success.
We provide equipment financing with no down payment, flexible terms, and competitive rates. Partnering with top lenders, they help truckers, farmers, and contractors acquire essential equipment at lower costs.
$10,000 – $2 Million
APR ranges from 7% to 28%, with terms available from 12 to 48 months.
Preserve working capital, take advantage of tax benefits for leased equipment, and upgrade equipment without large upfront costs.
A minimum 620 credit score, at least three years in business, and a complete application with equipment details are required.
A business revolving line of credit offers flexible access to funds up to a set limit, allowing businesses to borrow, repay, and reuse credit as needed—much like a credit card. Unlike traditional loans, this financing option provides ongoing access to capital without requiring a lump sum.Benefits for Startups & Established Businesses
$50,000 – $150,000
Interest rates range from 6% to 11%, with a minimum monthly payment of 3%.
Access cash flow for daily operations with no collateral required and reusable credit as you pay it off.
A 700+ Experian credit score, two years of business and personal tax returns, and a year-to-date balance sheet with a business debt schedule are required.
To get a loan you must:
Purchase order financing is a common funding solution for trading businesses that lack the cash flow to fulfill customer orders. With this arrangement, a financing company pays suppliers for the required goods, which are then delivered to customers. Once the customers make their payments, the financing company deducts its fee before forwarding the remaining balance to the business.
This type of financing is particularly beneficial for small businesses with limited budgets. For instance, if a new business receives a large number of orders but lacks the funds to purchase materials, purchase order financing provides the necessary advance funding to complete the job. The financing company earns by charging a percentage of the customer’s payment. The primary advantage of this solution is that it enables businesses to take on large orders, driving significant growth. As companies establish trusted relationships with clients, purchase order financing can become a valuable and reliable funding option.
$500-$2500
To get a loan you must:
Most providers have their own assessment criteria, so one provider may give more weightage to certain criteria than another.
Unsecured Business Financing offers up to $150,000 for startups with 0% introductory rates and no income documentation required. Funding is unsecured, requires a 680+ credit score.
$20,000 – $250,000
Enjoy a 0% introductory rate for 6 to 12 months, followed by an APR of 8% to 19%
Get fast access to capital with no collateral required while building both personal and business credit.
To qualify, you must have no late payments or derogatory marks in the last 12 months, no open collections or bankruptcies, fewer than five credit inquiries in the past six months, and a credit card utilization below 40%.
To get a loan you must:
$200,000 – $12 Million
The terms range from 10 to 25 years, with interest rates between 2% and 2.75% plus the Prime Rate.
Low-interest, long-term financing is great for working capital or real estate purchases and offers flexible repayment options.
A minimum credit score of 620 is required, with no bankruptcies in the last four years, along with two years of business tax returns, a business plan, and financial statements.
To get a loan you must:
A merchant cash advance (MCA) provides quick funding based on a business’s sales rather than a traditional loan. MCA providers evaluate daily credit card transactions to determine repayment ability, allowing businesses to access immediate capital by selling a portion of future credit card sales.
$1,000 – $1,000,000
6-18 month terms
10 – 45% factor rate
Benefit from an easy approval process with no collateral required, perfect for businesses with consistent card sales.
Invoice Factoring, also known as A/R Financing or Invoice Financing, involves purchasing outstanding invoices from businesses (B2B), government agencies (B2G), or clients (B2C) at a discounted rate. This provides businesses with immediate cash flow to support their working capital needs.
We offer two types of factoring: Notification and Non-Notification.
Notification Factoring ($20,000 – $5,000,000):
Approval is based primarily on the financial strength of the client’s debtors, similar to traditional factoring.
A notification letter is sent to the client’s customers, and invoices are verified for payment confirmation.
Offers higher credit limits, lower rates, and may be combined with Flex financing if eligible.
To get a loan, you must:
Most providers have their own assessment criteria, so one provider may give more weight to certain criteria than another.
Turn your property goals into reality with customized real estate financing solutions built around you. Whether you’re purchasing your first home, expanding your investment portfolio, or refinancing an existing property, we provide flexible options tailored to your financial situation. With competitive rates, expert support, and a smooth application process, we make financing clear, strategic, and stress-free—so you can move forward with confidence and secure the property you’ve been working toward.
Are you active in real estate—or considering stepping into one of the most powerful wealth-building industries? We are a strategic partner for every stage of your commercial real estate journey. Whether you’re acquiring, holding, leasing, repositioning, or selling property, we provide access to alternative and creative lending solutions designed to support your growth.
We understand that capital is the lifeblood of real estate. The faster you can secure funding, the faster you can acquire assets, execute projects, and scale your portfolio. That’s why our nationwide network of alternative lenders looks beyond traditional lending limits and rigid underwriting to focus on opportunity, structure, and strategy.
From acquisitions to expansion, we help you move quickly, confidently, and competitively—so you can turn real estate into the high-performing revenue engine it’s meant to be.
Private money refers to capital sourced from individuals or private organizations, often coming from personal savings, retirement funds, or investment reserves. Instead of borrowing from a traditional bank, private money involves securing a direct loan from a private investor or private lending group for a specific project or business purpose.
These loans are typically structured with fewer traditional qualifications and less rigid requirements than conventional financing. Because decisions are made directly by the investor, private money funding is often faster, more flexible, and tailored to the needs of the borrower.
One of the key advantages of private money is the strong relationship it creates between lender and borrower. Terms are often negotiated collaboratively, giving borrowers greater control over loan structure, repayment schedules, and timelines. Private money loans also tend to be short-term, making them ideal for projects that require quick capital or bridge financing.