A merchant account—aka merchant services account—creates a business relationship between a merchant services provider, such asa bank, and enables a business to accept payments in form of debit and credit cards, Apple Pay and other contactless payments, eCommerce transactions, and more…
How you accept customer payments is a major decision that can cost you time and money. Depending on your appetite for information about merchant services will allow you to can choose which breakdown you’d like and the amount of time you have.
We provide has been provide low, medium and high-risk merchant accounts to businesses in several industries. As experts in the high-risk space, we have a team of in-house specialists to help you get your high-risk merchant account approved.
What we provide:
Process payments on your website, manually, or through a mobile app.
Mobile credit card readers
Make a fast and secure mobile point of sale for your phone or tablet
Accept payments from customers using their mobile devices.
Virtual point of sale
Connect a compatible card reader to your computer to accept payments in person.
Be able to accept electronic check payments from your customers.
Be able to accept manual orders quickly and securely with our Virtual Terminal.
Manage your ongoing billing needs with our easy-to-use tools
Let’s address the elephant in the room. Most of the so called “Credit Repair Gurus” charge you hundreds and thousands of dollars for what you’re about to discover in this book. Its a "hidden gem" and a secret I've learned throughout the years of trail and error! I feel that it would only be fair to help other along their journey so I decided to share this powerful information. Its time to crush the credit gurus!
Before we get start, this book doesn’t have any fake letter templates or any cheesy, old, straight out noneffective strategies on how to remove hard inquiries from your credit report.... This is a quick process that takes less than 15 minutes and works almost instantly.
You will also discover that you don’t have to be a credit expert or have to do some some magical trick to remove your inquiries in 24 hours. Honestly, your words aren’t relevant, just trust the process!
The whole process will be broken down for you in just 13 pages. That's it. It's really that simple. But once you add this this knowledge to your arsenal you'll be truly unstoppable! Think about that car dealership that pulled your credit 7 times, not a issue now. Wanting to get a big round of funding and possibly have multiple new hard inquiries, problem solved that easy.
But now that you have a understanding of how easy this is, the only question remaining is: are you ready to flex your powers?
Biz Credit 365 is the best business credit building program for entrepreneurs like yourself build business credit for your business's EIN, step by step, using a proven system, and a highly personalized process.
You need a good business credit profile to qualify for business loans, credit cards, and other necessities. Your business credit profile is based on your track record of handling your business checking account, credit accounts, and any business credit cards you use or loans.
The Biz Credit 365 business credit builder is a method of obtaining business lines of credit or credit cards by increasing your credit rating. Business credit cards may be obtained from traditional banks, large-chain retailers, and private lenders that provide business products and services.
Biz Credit 365 Allows You:
Get instant approvals by setting up your business to match lender and credit providers' most recent requirements
Set up your business correctly to avoid being on the high risk naics code list
Create your business credit profile with Dun & Bradstreet, Experian, and Equifax Commercial while also getting your D-U-N-S number for at no charge (which is a must-have to build true business credit)
Build your business credit profile without a personal guarantee by getting set up with initial trade credit.
Get business credit funding with no personal guarantee required.
Building business credit takes some time, so don’t expect to see results overnight. It is a process, but if you stick with it, you will see the desired results. You must be diligent because banks and lenders want stability, increased business, and revenues that remain steady over time.
The course will help you build business credit, step by step, using a proven business credit building service and a highly personalized process. We provide the software for customizing the process to your needs, giving you more opportunities to be approved.
Here are some helpful tips:
To get automated approvals, set up the business to meet lender and credit issuer credibility standards before applying for credit.
Activate your credit profile with Experian, Equifax Commercial, and Dun & Bradstreet, and get your free D-U-N-S number (a vitally important part of the program). Obtain initial trade credit to begin building business credit reports without personal credit checks.
We Will Get You These Types of Credit Access: • Cash Credit Lineswith Visa and MasterCard, which you can use in most locations around the world • Store Business Credit with many of the nation's largest retailers • Auto Vehicle Financing, which allows you to lease or purchase a primary vehicle or a fleet of vehicles, all in your business name • Fleet credit for buying fuel and auto vehicle maintenance & repairs for your fleet of commercial vehicles and primary vehicle
We have an awesome program to help establish business! Best for business owners looking to boost their business credit and gain access to better business financing. With this program, business owners like you will have their trade accounts reported to major bureaus — Dun & Bradstreet, Experian, and Equifax — all with no risk of negative payment history. We report all of your payments to the business credit bureaus with no negative history giving you a boost in business credit
How does it work?
Select a Biz Builder 365 Product on the order page. Simply select one of our corporate business packages to check out to open the account. Your business will immediately be approved for the account under Net 30 terms, you will be invoiced in 30 days for the product you ordered. Upon successful payment, we'll report the payment to the business credit reporting agencies..
We will automatically approve you upon meeting the successful down payment and product purchase.
Payment will report to Dun & Bradstreet and Credit Safe
Customers can pay off the purchase balance anytime without penalty
Get peace of mind with our credit monitoring service. Stay on top of any changes to your credit report and receive alerts for suspicious activity. Protect your financial future with 24/7 monitoring and support.
Looking for a way to keep an eye on your credit and protect your identity from fraudulent activity? Look no further than our credit monitoring service!
Protecting your financial well-being starts with being informed. Our Credit Monitoring service gives you the power to stay in control of your credit by providing continuous monitoring of your credit reports from the major credit bureaus. This means you'll receive alerts if there are any changes or suspicious activity on your credit report, so you can take action to address potential fraud or errors before they become bigger problems
Our credit monitoring service provides you with continuous monitoring of your credit reports, alerting you to any changes or suspicious activity that may occur. With this service, you can rest assured that your credit is being monitored 24/7, so you can take immediate action in the event of any unauthorized credit activity.
We understand how important your financial health and identity are to you, which is why we offer top-of-the-line credit monitoring with advanced fraud detection technology. With our service, you can enjoy peace of mind knowing that we're always on the lookout for any potential threats to your credit and identity.
In addition to monitoring your credit reports, we also provide you with access to your credit scores and reports, so you can stay up-to-date on your credit standing and make informed financial decisions. Don't leave your credit and identity to chance - choose our credit monitoring service and take control of your financial well-being today.
Introducing the Perfect Score 365, the ultimate do it yourself credit repair service solution for anyone who wants to improve their credit score and achieve a perfect credit rating. Our credit restoration software is specifically designed for the credit repair industry, making it incredibly easy to import, dispute, and remove negative items from your credit report. This instantly improves your credit score and puts you on the path to financial freedom.
The Perfect Score 365 provides everything you need to enhance your credit score and achieve your financial goals. Our credit repair service includes an in-depth credit report analysis that dives deep into the details of your credit report, looking for any questionable items that may be negatively impacting your credit scores. These might be obvious items, like delinquent accounts and collections, or seemingly insignificant details, like incorrect last activity dates. We check each of these to ensure you get the credit you want.
Here's what you get with Perfect Score 365:
One-click credit report import and generation of credit audits
Quick dispute letter generation
Access to the best financing options
A complete transformation of your life
Whether you're struggling with a low credit score or looking for a reliable self credit repair service to improve your financial standing, Perfect Score 365 is the perfect solution. Join us today and start your journey toward a perfect credit score!
Introducing the Funding Warehouse - your one-stop shop for finding and applying for creative financing solutions! Our platform is designed to make finding funding simple and easy for you.
We designed the Funding Warehouse because we understand that finding funding can be time-consuming and overwhelming. That's why we've created a platform that makes it easy for you to find the funding you need quickly and efficiently.
Our platform is designed to provide you with a personalized and hassle-free experience. We take the time to understand your needs and match you with loans that meet your specific criteria. This means you get access to loans tailored to your unique situation, increasing your chances of securing the funding you need. Whether you're looking for a personal loan, business loan, or any other type, we've got you covered.
With the Funding Warehouse, we offer a wide range of loan options to help meet your specific needs. We understand that different individuals and businesses have different financial needs, so we have various loan options available. Here are some of the loan types you can find on our platform:
Loans for Start-Up Businesses: We offer loans and an instant approval business line of credit to help finance your start-up business. Our team of loan experts can help you navigate the process and find the right loan to help get your business off the ground.
Collateralized Business Loans: Our platform also offers collateralized business loans. Collateralized loans offer more favorable terms and lower interest rates than unsecured loans. This type of loan requires collateral, such as property or inventory, which can help secure the loan.
Real Estate Loans: If you're looking to invest in real estate, we can help. Our platform offers real estate loans and a real estate investor line of credit that can help you fund your next project.
Credit Lines: We also offer credit lines that can help you manage your cash flow and provide access to working capital. This type of instant business line of credit allows you to withdraw money as needed, making it an ideal option for businesses that experience fluctuations in cash flow.
Working Capital: Our platform also provides working capital loans to help businesses finance their daily operations. These loans are ideal for businesses that need short-term financing to manage their cash flow.
SBA Small Business Loans: We partner with the Small Business Administration (SBA) to provide small businesses with access to SBA loans. These loans offer competitive rates and flexible terms, making it easier for businesses to access the funding they need.
At Wealth Builders 365, we strive to provide you with a range of loan options, ensuring that you find the right loan for you. Try us today and experience the ease of finding the right loan for your needs!
The personal funding program is designed for potential businesses owners and startups to utilize more ways to get funding. Funds can be used however the borrowers see if. Even for personal use.
Here is an overview of the Personal Funding program:
• Minimum of 3 Open, Seasoned (at least 12 months), and Primary Revolving Lines. • Minimum 680 Credit Score • No More than 4 Inquiries per Bureau (we can work with more depending on other factors) within the last 6 month • BK Must be Over 5 Years • Recent Late Payments, Judgments, Liens, etc. are Case by Case • Up to $400,000 for each applicant in separate increments • 36 to 72-month terms • No prepayment penalties • Additional 25k-50k for past and current military vets and relatives • Interest rates start at 7% to 28% based off credit
A rental property loan is a first lien mortgage loan secured by an SFR that is occupied by a tenant rather than an owner-occupier. To qualify, the property must be rent-ready. Typically the tenant is long-term, but rental property loans also can be used for short-term rentals, such as vacation rental.
Here is a breakdown of our Rental Loan program:
• Property type: Single Family Residential 2-4 Unit Residences, Condominiums, Townhomes, Multi-Family Apartments, Mixed Use Buildings (Min. 50% Residential) • Loan amount: $50,000–$3,000,000 • Purchase: Up to 75% LTV • Cash-out refinance: Up to 65% LTV • Rate & terms on refinance: Up to 70% LTV • Loan terms: 30 years fixed, full amortization • Interest rates: Start at 5.9%
This unique program provides loans for equity recapitalization, subordinate debt and partner buy outs for LLC, LP, TIC, & DST interest on commercial properties nationwide. This allows real estate owners to monetize there existing equity while maintaining majority ownership and control of their commercial real estate without disturbing their existing mortgage debt.
Here’s an overview of the LLC, LP, TIC, & DST interest loan program:
• Loan size: $500K - $5 Million • Geography: Nationwide • Term: 1-3 Years • Rates & Points: Contact for a quote • Closing time: In as few as 2 weeks • Entity types: LLC, LP, TIC, & DST • Property types: Multifamily, office, retail, self-storage, industrial, & warehouse.
The Collateralized business loan offers business loans secured by real estate owned by businesses owners and/or guarantors. An interest-only loan (“I/O”) is available for a 36-month term. The I/O loan allows a payoff after 6 months from funding without a prepayment penalty.
Each property is assigned a respective Combined Loan to Value Ratio (“CLTV”) within a given range determined by property type and location. You can find the CLTV ranges on the current Pricing Summary. CLTV represents the percentage of total liens and encumbrances on the property (judgments, mortgages, tax liens, etc.) against the value of the property and includes the proposed loan in the calculation. The maximum permitted CLTV is determined at the property level.
Here’s an overview of the Collateralized Business loan program:
• Loan amount: $25,000-$2,000,000 • Collateral: Real estate • Minimum credit: 500 • Payment term: Fixed daily or weekly • Length: 6-36 months • Minimum bank deposits: $10,000 • Penalty penalty: waived after 6 months on I/O loans
Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit. These improvements range from minor renovations to a complete reconstruction of an existing home. Fix-and-flip loans are used exclusively for residential real estate investments, so renovating a school, for instance, would not qualify for this type of funding.
Here is an overview of our Fix & Flip program:
• Property type: Single Family Residential, 2-4 Unit Residences, Condominiums, Townhomes, Multi-Family Apartments, Mixed-Use Buildings, (Min. 50% Residential), (Small Balance Commercial) • Loan amount: $50,000 - $10,000,000 • Purchase: Up to 85% LTV • Purchase & Rehab: Up to 85% LTV & Max. 70% ARV, 100% of Rehab Budget Min. 15% Down Payment • Refinance & rehab: Up to 85% LTV, ARV 100% of Rehab Budget *On As-Is Value • Cash-out refinance: Up to 65% LTV • Rate & terms to refinance: Up to 65% LTV • Loan term: 12 months, • Interest rate: Starting at 8%
Insurance agents can obtain low-interest, long-term financing using renewable commissions as collateral. Loans can be approved for a 3 to 15-year loan or credit line for your insurance business, even if an agent has average credit. And all agents truly need to qualify is a book-of-business of renewable commissions. Agents can even use the book-of-business for the insurance agency they are buying as collateral to get approved
SBA loans are business loans guaranteed by the Small Business Administration. Via multiple SBA funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender.
Here is a look at our SBA Loan program
• Loan Sizes: $250,000 to $20,000,000 • Transaction type: Real Estate Purchase or Refinance, Working Capital, Expansion, Equipment, Inventory, Business Purchase, Renovations, Debt or MCA Consolidation, Leasehold Improvements, Partner Buyouts, Startups (startups require a minimum of 100% real estate collateralization and strong sponsor experience) • Lien position: UCC-1 on business assets, 1st, 2nd, or 3rd lien on any available real estate (including primary residence if owned • Credit score: 600 (lower considered case-by-case • Minimum LTV: 150% (N/A for eligible transactions with no hard collateral available • Fixed Term | Rate: Quarterly Adjustable | Prime + 1.75% to 2.75% • Amortization: 10 to 25 Years • Prepay Penalty: 5%, 3%, 1% (25 year amortizations), None (10 year amortizations). 25% of principal can be paid annually without penalty • Closing Time: 60-90 days
401(k) business financing, also known as Rollovers for Business Start-ups (ROBS), is a small business and franchise funding method. ROBS allows you to draw money from your retirement account in order to start or buy a business without incurring an early withdrawal fee or tax penalty. This is not a loan; ROBS just gives you access to your own money, so that you can build the life you want without going into debt.
Debt-Free Without loan interest to pay, you can make money faster. While 80% of small businesses fail within four to five years, small businesses started with ROBS are twice as likely to remain in business. Invest in Yourself it’s your money – use it. Instead of placing your money in a volatile market, you can make your money work for you. The number one reason people decide to open their own business is to be their own boss – now it’s your turn
Start your business off strong. ROBS lets your business start out flush
with cash, making those start-up costs much more manageable.
Down Payment for Other Financing
Your ROBS funding can also help you pursue other forms of financing, like SBA loans. Learn more
Many other forms of financing, such as bank loans, require you to provide collateral to qualify for funding. With ROBS, you eliminate the risk of using your home as collateral.
A bridge loan is a short term loan used until a person or company secures permanent financing or removes an existing obligation bridge loans are short term, up to one year, have relatively high interest rates, and are usually backed by some form of collateral, such as real estate or inventory
Invoice financing sometimes referred to as accounts receivable financing, is a form of asset-based financing in which business owners receive an advance of capital in exchange for their unpaid
Here is a look at our Invoice Financing program:
• Amount: Up to $2,500,000 • 48-hour approval (within 48 hours of SCC receiving completed application package a firm financing proposal is issued) • Fees 1%-3.5% • Advance Rates 70%-95% • No Term Contracts • No Monthly Minimums • No Exit Fee (Factoring) • No Wire Fees
Accepted Industries • Staffing • B2B Service • Manufacturing • Tool & Die • Oil & Gas • Transportation • Wholesalers • Government • Seasonal • Print Shops • Construction end of Service • (No progress billings or offsets; commercial only) • No Healthcare A/R's • Trucking Companies Employment Temporary Staffing Agencies • Security Guard Firms Janitorial Service Companies • Engineering Firms Commercial Printing & Lithographic Businesses • Manufacturers Cable & Satellite Television Installers • Distributors Plastic Injection Molding Companies • Machine Shops Apparel & Textile Businesses • Auto Parts Distributors Electronics Importers & Distributors
The commercial real estate loan is a financing product (often referred to as a business mortgage loan) designed specifically for the purposes of purchasing new or existing commercial properties or renovating commercial space.
Here is an overview of our Commercial Real Estate Loan Program:
• Programs: Purchase, Cash out, Bridge, Renovations • Interest Rate: 6.25% - 7.5% on income producing properties (DSCR>1.20) • Term: 5 years fixed & 10-year Hybrid • Amortization: 30 years amortization • Loan amount: $250,000 to $30,000,000.00 • Purchase: Up to 70% LTV • Purchase & rehab: Up to 70% LTV & Max 65% ARV, 100% of Rehab Budget, Min. 30% Down Payment • Refinance & rehab: Up to 65% LTV* & Max. 65% ARV, 100% of Rehab Budget on As-Is Value • Eligible Properties: Multifamily, retail, office, warehouse, self-storage, hotels, and mixed-use property types, light industrial • Income: No Personal or Business Tax Returns Required (hotels not included) • Foreign nationals: Borrower must have a checking account in a US-based Bank
The business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate—this type of financing is what most people think of when it comes to small business loans.
Here’s an overview of our Term Loan program
• Loan amount: 3,500 - $500,000 • Length: 24 to 180 months (2-15yr) • Interest rates: 9.99% to 149% per annum • Payment terms: Monthly ACH • Minimum time in business: 2 months • Minimum credit: 500
This program offers unsecured business credit lines at 0% interest. These credit lines can be used for working capital, real estate investing, purchase equipment, and much more..... Great for Start-Ups
• Up to $150,000
• 10% bank end performance fee paid to us after lines are
• 0% interest for the first 9-18 months. Average interest around 15%
• No prepayment penalty
• Cash liquidation assistance available
• One or more revolving lines
• Minimum of 3 Open, Seasoned (at least 12 months), and
Primary Revolving Lines.
• Minimum 680 Credit Score
• No More than 4 Inquiries per Bureau (we can work with more
depending on other factors) within the last 6 month
• BK Must be Over 5 Years
• Recent Late Payments, Judgments, Liens, etc. are Case by