Our Revolutionary Business Credit Building Program

At A1 Financial USA, our main goal is to help U.S. business owners survive and thrive.

 Instead of listing all the ways we do it, let's instead tell you a real life story of a client in need of funding, who had the most business credit challenges we've seen in our 36 year history:

 In February 2024, a nice gentleman with an auto repair shop,

(we'll call him "Joe") in Florida (Strike 1-Florida is the highest default state in the nation, many lenders won't touch it regardless of financials. BTW-we're keeping count, just for the purpose of this article) came to us, after being declined by every bank, and every lender he could find. He saw our ad on Deal Stream offering "Guaranteed Business Funding or else 90 days of free loan coaching", and figured "What do I have to lose? Maybe they can even help...if not, at least I'Il know, nobody can." This is what he told us up front!

 We saw his business checking statements, and they were really pretty good, although he had 3 accounts, watering down his chances (Strike 2). As we prepared his file, we learned that his

Drivers' License was expired (Strike 3). We let him know, no one was funding him because of that, and to get his new one ASAP.

(If it was only that easy!) Turns out, he had a hit n' run charge,

(Strike 4) and they wouldn't renew his license, without an SR-22, AND he had to pass his eye test, which after paying mightily for his insurance, receipt of his SR-22, He then failed his eye test.

(You just can't make this stuff up!) Finally, he got his SR-22,

got glasses, got insurance, re-took the test, and finally got his

license...So one would think, "slam dunk funded", right?

Nope, turn out he had a 438 FICO score. (Strike 5).The preferred lender we found declined him. We had to take his file to a special "low-FICO" lender, who would over look that.

They found out he had a default when Covid hit. (Strike 6)

They declined him. 

So, we found a rare lender that would overlook the score, and the default...then in the final stages they found out he had

an assault charge (Strike 7) in his recent history. They declined him. After finding just about the only lender in the world that would fund a 438, with a default, in Florida, with 3 Accounts, and 1 criminal charge...They declined him. They found that he set the car of a guy (that was cheating on his wife with the client's girlfriend) on fire...An arson charge, too. (Strike 8).As I said, you just can't make this stuff up! It's all 100% true. 

 Finally, down to the very last of our 947 lenders, we got him

$20,000 as a starter, trial, loan. He paid perfectly, and we began our "Credit Growth" program, got him $30,000 for the second

round, with a better rate, and lower relative payment. He's paying perfectly on that, and now, almost 2 years later after

he came to us for help, we have him on the right path, he's looking to buy out a competitor's business, with either the 3rd

or 4th funding we get for him.

 So, to summarize, if you think you can't be funded, think again--if we can fund Joe, we can fund anybody. We even have lenders that will fund Personal Accounts for a business if it has a dba

on the statements!

Nobody does that but as, we're A1 Financial USA...