Discover Creative Financing Options for Your Business

Uncovering Little-Known Facts and How to Secure up funding from the Top Creative Financing Source - Your Reliable Solution for Business Funding

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

Purchase order financing is a funding solution for businesses that lack the cash flow to buy the inventory needed to complete customer orders

Commercial auto loans are used by businesses to buy vehicles needed for work-related operations, such as visiting clients, completing jobs, and transporting equipment, among others

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
Program highlights:
  • Loan amounts: $100,000-$20,000,000
  • Loan types: Acquisitions, Refinance, Recapitalizations
  • 100% Financing Available 
  • No Minimum Credit Score 
  • Refinance Existing Agency Debt
  • Help With Payroll
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
No Collateral
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

The merchant cash advance (MCA) is a type of business financing in which a company advances you a lump sum that you repay via a 
percentage of your daily credit card and debit card sales, plus a fee.
Here is an overview of our MCA program:
• Loan amount: $1,500 - $500,000
• Minimum Bank Deposit Volume: $6,500
• No minimum credit score - but the higher the credit score the better the rate to the merchant.

Accepted industries
• Restaurants
• Bars & Nightclubs
• Taverns
• Hotels & Motels
• Bed & Breakfast Inns
• Caterers
• Bakeries
• Liquor Stores
• Take-Out Meals
• Coffee Shops
• Smoothie Shops
• Honey Baked Ham Stores
• Ice Cream/Yogurt Stores
• Candy Stores
• Cheese Stores
• Cookies By Design
• Cookies in Bloom
• Edible Arrangements
• Food Gift Basket Stores
• Gourmet Popcorn Stores
• Cafes in Fitness Centers
• Gourmet Food Stores
• Barber/Beauty/Spas
• Bicycle Shops
• Book Stores
• Bowling Alleys
• Camera Stores
• Car Washes
• Chiropractors
• Cigar Stores
• Dentists
• Doctors
• Drug Stores
• Dry Cleaners
• Florists
• Gift Stores
• Grocery Stores
• Hardware Stores
• Hobby Stores
• Orthodontists
• Jewelry Stores
• Luggage Stores
• Pet Stores
• Photo Studios
• Quick Copy
• Retail Baked Goods
• Radio/TV Stores
• Shoe Stores
• Sporting Good Stores
• Toy Stores
• Veterinarians
• Video Rental Stores
Equipment financing is a type of business loan that provides capital specifically for the purpose of purchasing new or used equipment—whether vehicles, machinery, or technology.
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 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
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
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
Program Highlights:
• 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

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