Unsecured Business Financing (UBF) Program

The Unsecured Business Finance (UBF) Program is tailored specifically for early-stage companies and entrepreneurs. Whether you're turning your business idea into reality or navigating the challenges of a new company, this program provides the financial boost you need to grow.

Why Choose the UBF Program?

Up to $150,000 available at an introductory rate as low as 0%—the most cost-effective funding you'll find.
Flexibility to use the funds for any business needs: marketing, inventory, website development, product launches, or any other essential areas.

Eligibility Requirements

To qualify for the UBF Program, applicants must meet the following criteria:

Credit Score: 700+ FICO score
Credit History: No derogatory marks in the last six months
Debt Status: No unpaid judgments, collections, or tax liens
Bankruptcy: No bankruptcy filings on record
Credit Ratios: Maintain reasonable credit debt ratios
Clean Profile: The guarantor must keep a clean credit profile throughout the funding process

Key Features of Our Credit Lines

Pay Only for What You Use: Interest applies only to funds drawn.
No Impact on Personal Credit: Protect your personal credit score.
Easier Qualification: Less stringent requirements compared to traditional loans.
Quick Approvals: Get approved within two business days.
Fast Funding: Access funds in as little as 10 business days.
Introductory Rates as Low as 0%: Save money on interest during the early months.

Common Uses for UBF

Launch Your Business: Kickstart your venture with accessible funding.
Marketing Campaigns: Expand your customer base through targeted outreach.
Inventory Management: Keep your business running smoothly with ample stock.
Website Development: Create a professional online presence.
Product Launches: Roll out new products or services with confidence.

Competitive Rates

Business Credit Cards: Promotional rates of 0% for 3 to 18 months for most clients.
Standard APR: Ranges from 7.9% to 19.9% depending on credit profile and market factors.

Note: Rates and terms may vary based on economic conditions, industry codes, and other influencing factors.

Grow Your Business with Flexible Funding

Get the financial support your business needs today with the flexibility and ease of our UBF Program—empowering you to scale, innovate, and thrive without financial constraints.

Unsecured Line of Credit Application

The Basic Information:

First Name(Required)

Last Name(Required)

Email(Required)

Phone Number(Required)

What We Need:

-Run your own Experian credit report on www.AnnualCreditReport.com
-Send us the PDF’d report that includes the whole credit historyUpload Your Credit Report Here *

Business Questions:

Business Name(Required)

Business Street Address(Required)

Business City(Required)

Business State(Required)

Business Zip Code(Required)

Can You Receive Mail at Your Business Address?(Required)

What is the Nature of Your Business and Services Provided?(Required)

Are There Any Collections, Bankruptcies or Liens Reported Under Your Business Name Only?(Required)

Are There Any Existing Business Credit Accounts?(Required)

Name of Bank

Credit Limits

Balances

Average Monthly Payments Being Made

Current or Delinquent on Account

Personal Questions (So The Banks Can Verify Your Identity):

Personal Address(Required)

Street Address Address Line 2 City State ZIP Code

Can You Receive Mail at Your Personal Address?(Required)

If Living at Your Current Address for Less Than 2 Years, What Was Your Previous Address?

If You Have a Personal Checking/savings, What Banks Are They With, and What Are the Current Deposit Amounts?(Required)

If Applicable, College Graduated at? Any Special Degrees/licenses? (Example: Real Estate License)

Vehicles Registered Under Your Name (Color, Year, Make, Model):(Required)

Who else lives in the household? (First, Middle, Last Name for everyone in household along with Date of Birth)(Required)

Have You Filed a Personal Bankruptcy Over 10 Years Ago?(Required)

Which Major Banks Were Included?

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