PERSONAL FUNDING

We offer multiple personal funding options including personal loans, lines of credit, credit card consolidation, debt restructuring, and specialized funding programs. Each solution is tailored to your specific needs and financial situation. Our funding specialists will help determine which option works best for your goals.

While we typically recommend a credit score of 680 or higher for optimal terms, we have funding solutions for a wide range of credit profiles. If your score is below 680, we can often help through our credit repair services before applying for funding, or identify specialized funding programs that accommodate lower credit scores with potentially different terms.

Most of our personal funding solutions are unsecured, meaning they don't require collateral. We focus primarily on your credit profile, income, and financial history rather than assets. However, for larger funding amounts or specific situations, secured options that utilize collateral may provide better terms and higher approval amounts.

Personal funding focuses on obtaining financing based on your individual credit profile and income, typically for personal use or smaller ventures. Capital stacking, on the other hand, involves strategically combining multiple funding sources (like debt, equity, and alternative financing) to fund larger business projects or investments. While personal funding usually involves a single funding product, capital stacking creates a comprehensive funding structure using multiple financial instruments.

The approval process for personal funding is typically very quick. In many cases, we can get initial approval within 24-48 hours after receiving a complete application. However, the time to final funding can vary depending on the specific product, the lender's process, and how quickly you can provide any required documentation.

Yes, many of our clients use personal funding to start or grow businesses. Since the funding is based on your personal credit profile rather than business performance, it's often an excellent option for startups or businesses without an established track record. This funding can be used for virtually any legitimate business purpose, from purchasing inventory to hiring staff or expanding operations.

There is a one-time 15% success fee on the total amount funded, paid only after you receive the funds. There's no upfront cost, and you can pay the fee directly from the funds you receive, so there's nothing out of pocket. This covers expert strategy, optimized applications, and access to top lenders to help you secure the most funding with minimal credit impact.