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RЕASОNS YОU NЕЕD TО ALWAYS CОMPARЕ MОRTGAGЕ RATЕS

by Kay | Mar 4, 2020 | Business, Credit Repair, Minnesota

Are you trying to find the best mortgage rates so you don’t end up having to pay more than you can easily afford? There are a variety of reasons why it is smart to always compare mortgage rates. Once you are aware of this reason, you will easily be able to see why...

4 WAYS TO IMPRОVЕ YОUR CRЕDIT SCОRЕ

by Kay | Feb 20, 2020 | Business, Credit Repair, Minnesota

It is pоssiblе tо rеpair yоur crеdit standing thеsе days. What yоu can dо is tо fоllоw thе gеnеral instructiоns and bе ablе tо apply fоr additiоnal crеdit in thе futurе. Mоst pеоplе will havе tо wait fоr a fеw yеars bеfоrе thеy cоuld rеcоvеr frоm thе crеdit damagе....

PЕRSОNAL CRЕDIT RЕPAIR – TIPS TО A BЕTTЕR CRЕDIT RATING

by Kay | Jan 24, 2020 | Credit Repair, Minnesota

Mоst pеоplе wоuld prоfеss a vaguе familiarizatiоn with thе tеrms crеdit scоrе, crеdit rating and crеdit rеpоrt and thеy wоuld havе an inkling abоut why thе nееd tо bе awarе оf thеm. But that’s a lоng way оff frоm knоwing hоw impоrtant thеy arе in daily lifе. Fоr...

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Step 1 of 8

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Email*

Name*
First Last
Phone*

Home Address*
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Credit Score*

Minimum Credit Score: Existing Business: 600 | Startup: 670
Type Of Business*
- Startup
- Existing

Business longer than 1 yr or more*
- Yes
- No
Minimum $10K deposit per month*
- Yes
- No
Do you have a 2nd job or other types of income?*
- Yes
- No

What is your other type of income*
- I have a W2/Salary Job
- Real Estate Income
- Other types of Income
What is your gross monthly income (Gross income is before tax)?*

Good Time To Call*

: Hours

Minutes
Time Zone*

Consent*
I agree to the privacy policy.

I authorized E-Funding Company and their Affiliate to process and assisted me to apply for a loan. By submitting this application, I give E-Funding Company and affiliates permission to call me, email, mail and or text me

Commercial Loan

Getting a loan from a conventional lender in today’s economic climate is not always easy. New rules and regulations can make it troublesome for business owners to purchase or refinance commercial property with a commercial loan from a bank. We know that part of successful investing is being a smart real estate investor.
At E-Funding Company, we provide commercial loans to help our clients get the financing that they need to stay competitive and meet their needs in the fast-paced commercial real estate market. We offer a variety of commercial real estate financing options to help individual business owners and groups of borrowers obtain commercial properties. No matter how big or small your transaction may be, we can assist in structuring the most appropriate financing solution for your needs. We have commercial loan programs from full loan documentation to stated income that focus less on your credit history and more on the real estate itself. This type of financing is ideal for individuals or business owners seeking a quick, fast, an uncomplicated solution

Business Loan Program

This is a true amortized loan and will require providing full documentation of income. This is for an existing business that has been around for at least 1 year and can provide income tax return, profit and loss statement etc.

True Business Loan

Must be in business for 2 years (can be 1 year if franchise)
Minimum credit score of 600+
Must gross $150,000 or more per year
Loan amount is $25,000 to $500,000

Rehab Line of Credit

This is a line of credit that is based on Liquid Assets. E-Funding Company is dedicated to serving entrepreneurs and commercial real estate investors by providing them with the leverage they need.

Our financial background combines with our expertise and experience allows us to extend lines of credit to investors who need extra capital for fix and flip projects. We understand the importance of your goal and have a shared interest in helping you to grow your business.

Here is what is needed from you:

Bank Statements for all checking/saving accounts (Minimum of 2 months)
Quarterly Retirement Funds
Quarterly (or 2 months) Stock Reports
Credit Score (650+ Minimum)
Maximum Loan-to-Cost (LTC) 90%
Rehab/Construction Financing (funding up to 95% of rehab budget – Max 75% ARV)
Up to 20 Units

Unsecured Personal Loan

We are a business consulting company whose target clients are start-up and existing businesses that have had difficulty obtaining traditional financing.

E-Funding company utilizes creative strategies to secure the funding needed to launch and grow a business despite obstacles that traditional funders consider deal breakers.

All you need is your proof of employment, income and a credit score of at least 700 to qualify.

And the best part is, there are no restrictions on the funding usage!

Get up to $500,000 in personal unsecured funding.

Interest rate as low as 7.99%
700+ credit score
No Collateral (No liens against any work equipment or property)
All Cash Loans are unsecured
No Restriction on Use
No Upfront Cost
We are paid on results only
Funding as quickly as 5 business days

Business Name?
Legal Business Name*
- Skip
Doing Business As

State of Incorporation*
When Did You Incorporate?*
MM slash DD slash YYYY
EIN #

Legal Entity*
- Corporation
- General Partnerships
- LLC
- LLP
- Sole Proprietor
- Other

Business Address (Physcial Address)*
Street Address Address Line 2 City State ZIP Code

Is this an actual retail/office space?*
- Yes
- No
Rent or Own Business Location*
Rent/Mortgage*

Landlord's Name
Landlord's Phone Number
Do you have a physical land line? If yes what is the phone number?
- Yes
- No
Business's Phone Number

Type of Business (I.E Automotive, restaurant, investment)*
Annual Business Revenue*

Monthly Credit Card Volume*
Average Bank Deposit Monthly*
Are there any NSF? (Non-sufficient Funds)*

Do you have any check or bill that bounce?

Average Bank Balance*
Outstanding Merchant Cash Advance*
Can you provide the most recent 2 years business income tax returns?

Can you provide the most recent three (3) months business bank statements?*
- Yes
- No
Can you provide the most recent four (4) months business bank statements?*
- Yes
- No
Can you provide the most recent six (6) months business bank statements?*
- Yes
- No

Owner(s) Information

If you are applying for individual credit in your name and relying on your own income or assets and not the income and asset of another person as the basis for repayment.

Compete Borrower 1 and omit borrower 2.

If this is an application for joint credit with another borrower or your company have owners that own 20% or more of the company, complete borrower 2.

If there are more owners, the underwriter may require the other owners to complete a loan application too.

Owner Information (1)
Legal Name*
Title First Last Suffix
Date of Birth*
MM slash DD slash YYYY
Marital Status*
Phone Number*

Email
% Business Ownership*
Years as Owner of the business*

Current Home Address*
Street Address Address Line 2 City State ZIP Code

Home Ownership*
How long has applicant lived at current address?*
Monthly Mortgage/Rent*

Previous Home Address (need 2 years home address)
Street Address Address Line 2 City State ZIP Code

(To be used if applicant has lived less than 2 years at current address.)

Personal Income
Annual Income*

Dollars
Other gross Income per month*

Dollars
Source(s) of other income per month*

Dollars

Do you have a co-borrower that you want to add to your loan application?*
- Yes
- No
Do you have another owner that owns at least 20% of your company?
- Yes
- No

Owner Information (2)
Legal Name*
Title First Last Suffix
Date of Birth*
MM slash DD slash YYYY
Marital Status*

Phone Number*
Email*

% Business Ownership*
Years as Owner of the business*

Current Home Address*
Street Address Address Line 2 City State ZIP Code

Home Ownership*
How long has applicant lived at current address?*
Monthly Mortgage/Rent*

Previous Home Address (need 2 years home address)
Street Address Address Line 2 City State ZIP Code

(To be used if applicant has lived less than 2 years at current address.)

Personal Income - Owner #2
Annual Gross Income*

Dollars
Other Gross Income per month*

Dollars
Source(s) of other Gross income*

Dollars

MISC Business Information
Does your business have a website? If yes what is your website?*
Do you have a 9-digit D-U-N-S Number?*
- Yes
- No
Do you know your Business Paydex Score?*
- Yes
- No
Have you ever been in Foreclosure?*
- Yes
- No
Are there Judgments, Collections or Liens on your Credit Report?*
- Yes
- No

Loan Amount Requested*

Pick the amount of loan you desire. If your company meet our investor group's requirement, your loan can be accepted or a counteroffer will be given
Interested Rate*

Pick Your Interest Rate Interest rate can be as low as 3.99%
What loan term do you desire?*

Pick Your Term Loan term can be up to 5 years

What is your financial goal?*
What plan do you have for using it? (We may offer a different program that might be of more help depending on the answer to this question)*
What is your deadline for needing the money? (Your answer may indicate which program is best for you.)*

ACTION NEEDED BY APPLICANT

We required you to pull your credit report for a pre-approval. Please go to https://e-fundingcompany.com/personal-credit-report-2/ and pull your credit report. This is our preferred credit report. We find that this one is the best choice for our client(s). We can not give you a pre-approval without your credit report. This is a soft pull and will not affect your credit score.
Upload your credit report here*
Max. file size: 128 MB.
Upload your credit score here*
Max. file size: 128 MB.

Where did you find our loan program?*

Were you referred here by an individual or company? Describe how you found us.

Term: You agree that by submitting this loan application, you give E-Funding Company and affiliate permission to process and pre-approved your business loan. You also give E-Funding Company and affiliates permission to call, email, and text you. By signing & faxing or emailing us your application, you certify that (i) you are applying for yourself and or you are authorized to apply on behalf of the company whose full legal name appears above under the Company Information portion of the Loan Application for a personal loan, business loan and or commercial loan from us and (ii) all information you provide within the Loan Application and other supporting documents is true and complete and that you will notify us of material changes to such information. You understand & agree that we and our agents and assignees are authorized to contact 3rd parties to make inquires in evaluating your Loan Application (including requesting business & personal credit bureau reports from credit reporting agencies and other sources) or for any update, renewal, extension of credit bureau name and address. You understand and agree that we may provide credit & other information from the Loan Application and on the signing individual(s) & the company with 3rd parties who may use the information for any lawful purpose, including for the purpose of offering credit and/or other products & services to the signing individual(s) and/or the company.
Yes I agree to the terms listed below

Term:

You agree that by submitting this loan application, you give E-Funding Company and affiliate permission to process and pre-approved your business loan. You also give E-Funding Company and affiliates permission to call, email, and text you.

By signing & faxing or emailing us your application, you certify that (i) you are applying for yourself and or you are authorized to apply on behalf of the company whose full legal name appears above under the Company Information portion of the Loan Application for a personal loan, business loan and or commercial loan from us and (ii) all information you provide within the Loan Application and other supporting documents is true and complete and that you will notify us of material changes to such information. You understand & agree that we and our agents and assignees are authorized to contact 3rd parties to make inquires in evaluating your Loan Application (including requesting business & personal credit bureau reports from credit reporting agencies and other sources) or for any update, renewal, extension of credit bureau name and address. You understand and agree that we may provide credit & other information from the Loan Application and on the signing individual(s) & the company with 3rd parties who may use the information for any lawful purpose, including for the purpose of offering credit and/or other products & services to the signing individual(s) and/or the company.
Signature (1)*

Signature (2)

What is your name?
Name*
Middle Name
Last Name*

Phone*
Home Phone Number

Primary email address
Email*

What kind of loan are you looking for?
What kind of loan are you looking for:?*
- Startup / Working Capital
- Business loans
- Purchase A Business
- Commercial Loan

What is your avg credit score range?*
Upload your credit report*
Max. file size: 128 MB.
Please go to https://e-fundingcompany.com/personal-credit-report-2/ to pull your credit report.
Upload your credit Score*
Max. file size: 128 MB.
Please go to https://e-fundingcompany.com/personal-credit-report-2/ to pull your credit report.

Have you had a bankruptcy in the last 5 years?*
- Yes
- No
Do you have any derogatory credit reporting*
- Yes
- No
How many derogatory credit items do you have?*

How many open active accounts are on your credit report?*
How many of your active open accounts are 4 years or older?*
How many recent inquiries do you have on your credit report in the last 6 months?*

How much funding are you looking for?*
How soon do you need the loan?*

Hidden
Startup / Working Capital ----- Business loan
Are you a*
- Start up
- Existing Business

Does your business have revenue?*
- Yes
- No
Can you provide the most recent last 2 years business income tax returns?*
- Yes
- No
Can you at least provide the last most recent business year's tax returns?*
Can you provide the last most recent 4 month bank statement?*
- Yes
- No
What is your average monthly deposit in the last 4 months?*

Do you have a 401K or IRA?*
- Yes
- No
How much is your 401K or IRA?*

Do you have Stocks?*
- Yes
- No
How much is your stocks worth?*

Do you have life insurance?*
- Yes
- No
What is the cash value?*

Were you in the military and or services or have family members that were in the military or services?*
- None
- Myself
- Parent
- Child
- Extended Family

Do you*
- Own
- Rent

What is your home address?*
Street Address City State ZIP Code

Monthly Mortgage repayment*
Monthly Repayment*

Do you have other income?*
- Yes
- No
What kind of income?*
What is the gross amount of your other income per month? (gross is before tax)*

Can you provide paystubs?*
- Yes
- No
Can you provide the last year's W2?*
- Yes
- No
What can you provide?*
Hidden
Business loan Stops here

Hidden
Purchase a Business
Are you purchasing a*
- Existing Business
- Franchise
The business you are purchasing, does it have 3 years business tax returns?*
- Yes
- No

Does the business have at least the most recent 2 years?*
- Yes
- No

Where is the business located*
Street Address City State ZIP Code

How much do you have for down payment?*
How long has the funds been in your bank account?*
How soon do you want to close on the business?*

Do you have experience in the business you are purchasing or have transferable skill that you can use to operate the business?*
Do you have your most recents last 2 years personal tax returns?*
- Yes
- No

Hidden
Commercial Loan
Is this a*
- Purchase
- Refinance

What kind of property is it?*
- Single-family property
- Multi-unit property
- Apartment
- Mixed Used Property
- Hotel
- Restaurant
- Office Building
- Other

What is the purchase price?*
How much do you owe on your property?*

What are you looking to do to the property?*
- Renovate
- Cash Out
- No Cash Out Refinance
How much are you looking to cash out?*
Estimated Renovation Cost?
- Skip

What is the after repair value of the property?*
How much is your property worth?*

Address of the property*
Street Address City State ZIP Code

How much funds do you have in your bank account?*
How much retirement fund do you have?*
How long have your funds been in your account?*
Can you provide the most recent 2 years business income tax returns for your business?*
Can you provide the most recent two years income tax returns for your personal income tax?*

Consent*
I agree to the Following
You agree that by submitting this loan application, you give E-Funding Company and affiliate permission
to process and pre-approved your business loan. You also give E-Funding Company and affiliates
permission to call, email, and text you.

By signing & faxing or emailing us your application, you certify that (i) you are applying for yourself and
or you are authorized to apply on behalf of the company whose full legal name appears above under the Company Information portion of the Loan Application for a personal loan, business loan and or commercial loan from us and (ii) all information you provide within the Loan Application and other supporting documents is true and complete and that you will notify us of material changes to such
information. You understand & agree that we and our agents and assignees are authorized to contact 3rd parties to make inquires in evaluating your Loan Application (including requesting business & personal credit bureau reports from credit reporting agencies and other sources) or for any update, renewal, extension of credit bureau name and address. You understand and agree that we may provide credit & other information from the Loan Application and on the signing individual(s) & the company with 3rd parties who may use the information for any lawful purpose, including for the purpose of offering credit and/or other products & services to the signing individual(s) and/or the company.
Signature*

RЕASОNS YОU NЕЕD TО ALWAYS CОMPARЕ MОRTGAGЕ RATЕS

4 WAYS TO IMPRОVЕ YОUR CRЕDIT SCОRЕ

PЕRSОNAL CRЕDIT RЕPAIR – TIPS TО A BЕTTЕR CRЕDIT RATING

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Step 1 of 8

Commercial Loan

Business Loan Program

True Business Loan

Rehab Line of Credit

Unsecured Personal Loan

Owner(s) Information

Owner Information (1)

Owner Information (2)

Personal Income - Owner #2

MISC Business Information

ACTION NEEDED BY APPLICANT

Term:

Startup / Working Capital ----- Business loan

Business loan Stops here

Purchase a Business

Commercial Loan