Financing Programs offered by Standard Capital

We can finance any equipment- new or used, from the vendor of your choice. We finance equipment costing $500 to $5 million, terms of 12 to 84 months depending on the equipment, and deferrals of 3-6 months for eligible applicants. 

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Requirements:

Application

550 minimum fico score

6+ months in business 

Depending on the amount 3 months of bank statements may be required if applicant does not qualify for our application only program

Unsecured working capital loans funded to the business to use as necessary. These are quick options with short terms of 8-24 month terms. 

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Requirements:

Application

6+ months in business

4 months of most recent business bank statements

Merchant cash advance loans are revenue based financing  paid back daily from a percentage of the business revenue. Business bank statements must show less than 3 days per month of negative account balances 

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Requirements:

Application

4 months of most recent bank statements

Most equipment new or used from any vendor can be leased. Leases have tax benefits and usually require a lower monthly payment. Equipment can be returned or purchased at the end of the contract, or the lease can be renewed for a set time period.

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Requirements:

Application

550 minimum credit score

3 months of business bank statements

2 years of business or personal tax returns

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Personal loans are unsecured loans that are approved based on credit score and debt to income ratio. Personal Loans are available up to 500k. Rates range from 5.99%-13% with terms of 2-7 years. 12 month principal only pay off option.

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Requirements:

680+ credit scores in all 3 bureaus

50k+ reported income on most recent tax return

Application

Credit Report

2 years of personal tax returns

Business Credit cards with introductory 0% interest rate for the first 18-21 months. 10k to 100k approval limit. 

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Requirements:

700+ credit score

40% or less debt utilization

Credit Report

SBA loans are backed by the small business association and are the lowest costing way to get funding to use as you need. SBA loans generally take 4-6 months to get funding or you can apply for up to 150k for the Bolt SBA loan which is a quicker version and only takes 4-6 weeks instead of 4-6 months. Rates are prime + 2-3% and terms are 5-10 years. 

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Requirements:

Application

680+ credit score

2 years filed business & personal tax returns

6 months business bank statements

Year to Date P&L statement

Business Debt Schedule

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Credit card stacking refers to establishing an unsecured business line of credit by opening multiple credit card accounts in a specific order and converting the approval amounts to a business loan. The process is an alternative to traditional business funding. The best business credit cards include special perks and bonuses, such as 0% introductory APRs, cash-back rewards, or discounts at specific business-to-business (B2B) vendors and supplies. Using a stacking strategy effectively can also help establish and build business credit for more advantageous financing solutions in the future. Required to pay 2% of the total amount each month but paying more during the first 18 months can allow you to pay off the loan during the 0% term. On a 100k loan the required/minimum payment would be 2% which is 2k per month. Interest will be charged on the balance once the introductory rate expires. 

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Requirements:

680+ credit score

Application 

Credit Report

Commercial Real Estate loans are available on any commercial property in the United States that the applicant qualifies for. We finance rental properties, fix and flip and commercial locations. 

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Requirements:

660 fico score

NOI of 1.25% or greater

Minimum SBSS score of 155

LTV of 65-80%

Full financials required- bank statements, tax returns, P&L, debt schedule, etc.