FAQs
Our Motto:
At A1 Financial USA We GUARANTEE You Get Business Funding...
Or we coach you for 90 days FREE or until you are funded.
What is Business Funding and what can I use it for?
Business Funding is a loan or advance meant for business purposes.
These types of fundings are unsecured, meaning that it is not necessary to have any form of collateral such as property
to be approved.
There are no specific limitations on how business funding
can be used.
Once you've been funded, you are free to use the funds
as you desire.
Investors will want you to say you'll use it on your current business at your merchant interview, however.
What is Debt Consolidation (DC)?
If you are carrying a large amount of non-credit card business debt from previous loans, our DC program can be used to consolidate your payments into one easy payment with lower interest rate. Doing so can save you lot of money.
Call for details (909)-930-9159...immediate service.
What is a Short-Term Loan, what can I use it for, and
what are the advantages?
A short-term loan is a quick, easy and convenient loan that can be used to address short term and immediate financial needs.
Short-term loans are commonly used for financial emergencies,
like home or auto repairs, unexpected medical bills, or in times
where you are falling a bit short on your budget before your next incoming money. The benefits over long term funding,
is that the fees are ultra low and the payments end quickly.
Can I be approved for funding with poor credit?
At A1 Financial USA, we believe that everyone deserves access to credit. We work with lenders that provide loans for those with excellent credit, average credit or poor credit.
Even if you are in the process of rebuilding your credit,
you can still qualify for funding at A1.
We funded a 386 FICO $22,000 in July 2019.
How do I know if I’ve been approved?
Once you submit your loan application, our lending "machine" goes to work. We'll match you with the best lender based on the information you've provided. When your match is found,
you will be notified.
You will then be directed for instructions on how to finalize
your funding.
If we are unable to match your application with a lender,
we will direct you to additional options to help address your
financial needs.
What are the rates and terms of A1 loans?
The exact terms of your loan (including interest rates, repayment periods and payment information) will be
presented to you once we determine them. Each borrower is different, has different file criteria, such as personal information, including income, industry, credit history and
ven the state that you reside in.
I've been approved for a loan - when will I receive my funds?
Once we have matched your request with a lender, A1 will direct you to instructions on how to finalize your loan.
Once you have signed for your loan, and accept your merchant call, your funds are released. Funds are typically received in your bank account by the next business day.
How much/How little can I borrow?
At A1, customers can apply for funding between $1,000 and $500 million.
The amount you are actually approved for is dependent on a number of factors, including your income, credit history,
state of residence, state of incorporation
and the lender that you are matched with. Not everyone is eligible for $500 million, of course. In the event that you are
not approved for your requested loan amount, you are still eligible to be approved for a lower amount.
Can I only apply during business hours?
A1 accepts loan applications online 24 hours a day, 7 days a week, 365 days a year. 366 Leap Year.
Our network of lenders are open during business hours,
but we are working weekends around the clock to put you in first position on Monday morning. Once you are approved,
you will receive instructions on how to finalize your loan with your lender.
How long do I have to repay my loan?
At A1 our lending network includes both installment and short-term loan lenders to serve your financial needs.
The amount of time you are given to repay your loan depends on the type of loan and lender.
Installment loans are paid back over multiple payments, usually
between 6 to 120 months. Short-term loans are usually paid back in 2 to 12 months.
Is it possible to get an extension on my loan?
Most lenders offer loan extensions & renewals and alternative
repayment options in special circumstances. We recommend
that you contact your lender directly to discuss the options available.
Which states/countries do you serve?
A1 serves all 49 states, sorry no CA at this time.
We also serve Canada, and the U.S. Territory of Puerto Rico.
"What are the requirements for loans at A1 Financial USA?"
Business Loans $1,000 to $500,000,000 350+ FICO, 3 months
of bank statements, DL photo, "voided out" business account check, SSN or TIN with work visa or comparable. Call for details.
More docs will be needed for loans over $50,000.
"I was told I need a cosigner.
Can I still get a loan through A1 Financial USA?"
ABSOLUTELY. Just have a cosigner apply by
clicking on our home page, then email us at
admin@A1FinancialUSA.com that you applied as a cosigner.
"I own 25% of a business,
can I still get a business loan through A1 Financial USA?"
ABSOLUTELY. Just submit your Articles of Organization page with your other docs.
"Can I get a business term loan through A1 Financial USA?"
Possibly. We offer them up to 10 years in many states.
"Is it true A1 Financial USA is hiring?"
We are adding Independent Loan Franchisees at this time
Please click "Franchises" above.
"Can I get a loan if have equity, but I have no docs, no income,and a high debt ratio?"
You can. We know HARD MONEY lenders.
Although expensive, we can help you get back on your feet if you have equity. Apply normally, simply add your last mortgage statement to your docs.
"Is it dangerous to take a Hard Money loan?"
A hard money lender can be your best friend, and help you survive, or your worst enemy, but thankfully, it all depends on YOU--paying back the loan.
Downside : If you default on your hard money loan, the HM lender can foreclose on your home and property.
The loans are usually expensive for RE loans, as much as 10-45%. Upside: You can get survival money, without tax forms, proof of income, or really much else. It's great to have that money to pay off higher interest credit cards, deduct your debt from taxes, and buying yourself time by paying your mortgage payment with the funds, so you can go back to school, start a business, pay medical bills, pay for a wedding, take a much needed vacation, or a combination of the above.
"Will I ever have to pay a fee in advance?"
Never to apply for funding for established businesses.
The only fees we ever charge are for Accounting you may need,
that you can not provide due to your not having an Accountant,
or for Start Ups with no revenue. These 2 instances take work
and manpower, and time away from serving established business owners, and we have to charge.
"Will applying negatively impact my credit score?"
It's our mission to minimally impact your credit score.
Many of our lenders only view your Equifax score, so you do not have that normal "ding" of other creditors. When a "full pull" must be done, it only impacts 2-5 points. Most of our lenders, (but not all, to be clear,)
report the loan payback to the credit bureaus, so you make up
considerably more than 2-5 points over the life of the loan.
Remember inquiries make up only 5% of your FICO score.
"Will you call me back if I call and leave a message?"
It's our mission and promise to offer the best customer service
in the USA, so yes, of course. We are very caring and prompt with our communication!
"I called, but the machine answered, so I hung up.
What should I do/have done?"
This happens when we are extremely busy and our operators can not take any more calls. Please leave a message at the beep, with your name, time you called, phone number and reason for the call, and we promise to call you as soon as humanly possible.
Please be sure to call without noise in the background, or while eating, wearing a mask,chewing gum, chewing tobacco, or immediately after dental work...(believe it or not, some people call while doing these) and please speak slowly, loudly, and clearly...
We must understand your message to help you.
"How trustworthy is A1 Financial USA?"
First off, just so you know, we have zero complaints!
(and please search us if you like, we're on Trustpilot.com
Search A1 Financial USA .
We're not selling you anything, we're trying to get you
financial assistance, usually money.
Fast-Easily, and Affordably....and we're all trained in
customer service and ethics, so no problems here!
As every member of our organization is mandated to take a
financial ethics course, provided by the Quality Human Corp.,
we have learned some things that changed the way we look at
the world, and companies like the BBB.
Ask yourself this: Is it ethical to force a business
to pay over $700/year to a powerful company like the BBB
just so they will call you "BBB Accredited"?...and if you don't pay, and someone searches you, they post
"THIS IS NOT AN ACCREDITED BUSINESS" .
It seems a bit like unethical extortion, to a professionally
ethics-trained person. Pretend, if you will, your church did not
pay the $700, and you searched them.
Is it fair to passively "cast a dark shadow" on them by posting
"THIS IS NOT AN ACCREDITED BUSINESS"?
Of course not. What they should post is:
" This business did not pay us a fee to become accredited, but they are in good standing otherwise."
That is what an ethical, honest, public serving company would do, right?..Think about it....
Also, the BBB is silently saying "You can buy trust" by giving an
"ACCREDITED" tag to anyone that pays.
A terrorist could open a pipe bomb shop and be "accredited" ...
thanks to the BBB's policies.
However, we do understand the idea of building public trust,
so we ask for reviews on TrustPilot and Alignable.
"I filed for bankruptcy under 18 months ago.
Can I still get a loan?"
If you own a business, the answer is probably yes, through us.
We can fund most any loan, even when bankruptcy is involved.
It must have been discharged by 1 day, however you can not be
in filing or "paying off" status.
"I see you have 2 differently named companies,
Are you the same?"
Yes, the same. A1 Loans USA is also under
the "dba umbrella" of A1 Financial USA.
"What is a FICO score?"
Your FICO (Fair Isaac Co.) is a credit
score which takes information and analyzes it to predict what’s
most likely to happen over time.
"How can I build credit & a borrowing history?"
We can help you with that immensely.
Call us at (909)-930-9159.
"Can I apply for a business loan easily with you?"
We can help you better than any funding company in N.A.
Just your last 3 bank statements, DL /state I.D./Passport (U.S.)
color photo, "voided out" check and a 1 page application.
Click the "Home" icon above.
"Why do so many folks say you're the best loan provider
in the USA?"
Because our 900+ lenders FIGHT for you, the highest amount, and for the best term & rate.
We can fund the toughest files known to mankind.
We have 7 billionaires who fund over and above all others.
"Do you lend to home-based businesses?"
Yes, some of our lenders lend to home based businesses.
"Is it true my industry can hinder me from getting a loan?"
Yes, it's true. Many lenders won't lend to some industries.
Some will. We have both kinds in our 900+, so you have the
best chance with us.
"What are your hours?"
24/7/365...366 during leap year...online.
Apply or communicate online anytime, morning, Noon, or night.
Of course, our lending partners follow normal
EST business hours 9-5 EST.
"Do you offer other loans besides Business Loans?"
Yes, see "More" above, or please call (909)-930-9159.
"Are you affiliated with A One Financial (an auto lender)?"
Not at all...but we do get their calls all day long.
"What's the difference between a Balance Sheet (BalSh) and a
Profit and Loss statement (PnL)?"
The balance sheet reports the assets, liabilities, and shareholders' equity (if applicable)at a specific point in time, while a P&L statement summarizes a company's
revenues, costs, and expenses during a specific period of time.
"Do you have to log in to my account to apply?"
For applying, not at all, simply apply then download your last
3 months of business checking statements
from your online banking, email them to admin@A1FinancialUSA.com, with a perfect photo of your I.D.
"Do you have to log in to my account to fund?"
Every lender in the U.S. is required by law to log in
to accounts, upon funding...per Homeland Security.
It's also to verify the money is going to be deposited into
the right account...and payments will be withdrawn from the
correct, exact account. If you have issues with this, we may
have alternatives, please call (909)-930-9159.
"I heard of lenders draining accounts upon logging in,
should I be worried about this?"
Certainly not if you work with A1 Financial USA!
If some other lender "drains" an account they are obvious frauds, no real lender would ever risk prosecution and loss of their expensive lending licenses by doing such a horrible, unlawful act.
The electronic trail is so easy to trace nowadays, they must
have been outside the U.S. or EXTREMELY stupid...(sorry to say, but it's true...!)
If you make sure your lender is A1 Financial USA, in business
for 33+ years, you'll have zero worries, and only a terrific borrowing experience.
(Editor's note: If this ever happens to you, call the FBI immediately
at 1-800-CALL-FBI (800-225-5324).
Services
A MESSAGE FROM OUR CEO
Greetings!
Thank you kindly for visiting.
I'm Mark Ayers, owner of A1 Financial USA.
If you own a business, we can help your customers purchase from you with this financing.
Also:
We offer FAST and EASY Business Funding $2,000 to $10 Million.
We "Guarantee" Funding if:
You have at least 2-3 months in business, a business bank account,
are "Active" with your S.O.S. (not necessary for a Sole Proprietor), have at least $4,000/month in deposits for the last 2-3 months,
Not "too many": Defaults, NSF's, nor Neg Balances,
and a valid U.S. SSN (or in Canada SIN) and State DL/ID
and non-restricted industry.
​
Our Management Team
John Parks
--Pristine Funding--
Associate VP
Greg Halbert
Associate VP/ Consulting Partner
Kelly Maloney
Director of Marketing
CONTACT
A1 FINANCIAL USA
​
OUR ADDRESS
For any general inquiries, please fill in the following contact form:
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER-BUT IS MUCH BETTER!
A POWERFUL National Marketing Broker!
We shop your loan to 909 lenders without "running" your credit until you are pre-approved. We do
not make credit decisions, and do not charge any application fees. This website does not constitute
an offer or solicitation to lend. This website provides a service wherein we submit the information
you provide to our funding partners. Providing your information on this website does not guarantee
that you will be approved for a loan. The provider may perform a credit check or otherwise verify the
information you provide. All financial terms of the loan will be provided to you by the funding partner.
Advance terms, conditions, and policies vary. Cash transfer times may vary between providers and
may depend on your individual financial institution. Advance repayment periods vary by business
factors such as time in business, industry and business cash flow. Upfront fees are never required,
however, opening of a secure Bridge Account through our bonding company
will put your loan request on the top of the list to access our 70+ millionaire
private investors.
This is in place to pay Broker fees, and possible sub Broker fees, to lenders that do not pay them.
No fees will be extracted from this fund without funding taking place first. You will receive a contract
detailing the terms of the agreement. Any unused funds will be fully refunded, minus any service fee once a legally detailed review has been made.
© Copyright 2017 A1 Loans USA, A1LoansUSA.com, A1 Financial USA, and A1FinancialUSA.com.
All rights reserved.
A1 Financial USA is the engine behind this website.
Privacy Policy
What Does A1 Loans USA & A1 Financial USA Do With Your Personal Information?
First, On loan applications, we carefully view your application for mistakes, typos,
missed answers etc.
If you have any of these, we notify you by email or phone of them.
If none of the above apply, a member of management will decide whether to pre-approve you or
not. If you are not pre-approved you will be emailed with options.
If you are pre-approved, we will call you within 24 business hours.
Only after speaking with you will we request docs if not sent, process your loan, lenders will run
your credit. A1 Loans USA and A1 Financial USA do not run credit, only our lenders in our circle of
over 900 to date. This notice takes precedence over any contrary item listed below...
which is in your best interest to cut down on spam, for your protection.
We only share your info with our lenders once you are pre-approved and contacted.
===========================================================================
Boring legalese:
Why?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
What?
The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
Social Security number and Income Information
Account Balances„ and Payment History
Credit History and Credit Scores
When you are no longer our customer, we do not continue to share your information as described in
this general public lending notice.
Reasons we can share your personal information For our everyday business purposes
— such as to process your transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureaus- Yes
For our marketing purposes — to offer our products and services to you- Yes
For joint marketing with other financial companies - No - We don’t share
For our affiliates’ everyday business purposes — information about your transactions and
experiences
No We don’t share
For our affiliates’ everyday business purposes — information about your credit worthiness
No We don’t share
For non-affiliates to market to you - No- We don’t share
Legal Authorities: We must share.
Who Are We? Who is providing this notice? A1 Loans USA a subsidiary of A1Financial USA
What We Do : Match borrowers with the VERY best lender for them!
How does A1 Loans USA protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures
that comply with federal law. These measures include computer safeguards and secured files and
buildings. Additionally, we restrict employee access to your information
to only those employees who need to know to provide our services to you.
How does A1 Loans USA collect my personal information?
We collect your personal information, for example, when you
Open an account or apply for a loan.
Why can I limit all sharing?
Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—
information about your credit worthiness affiliates from using your information to market
to you sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to
limit sharing.
Definitions
Affiliates : Companies related by common ownership or control. They can be financial and non-
financial companies.
Non-affiliates :Companies not related by common ownership or control. They can be financial and
non-financial companies.
Joint marketing :A formal agreement between non-affiliated financial companies that together
market financial products or services to you.
A1 Loans USA doesn’t jointly market.
Questions? Call (909)-930-9159.
Limited Liability
All transmissions through A1 Loans USA are processed through a secure gateway, with encrypted
translation. As sophisticated technology has advanced over the years, the likelihood of personal or
financial data bypassing security systems and becoming accessible to unauthorized users is
extremely low. In the unlikely event that personal data is illegally retrieved from our secure system,
We assume no responsibility for any damages or liability incurred.
External Links
The information within this privacy policy pertains to your visit to A1LoansUSA.com, not any of its
external links, subsidiaries, or affiliates. Please review the separate privacy policies as stated on
those individual websites. Once you have left A1LoansUSA.com, this privacy policy is no longer in
effect. We are not responsible for content, security, technical, legal, privacy, or any other issues on
external links provided in this website.
Change of Privacy Policy
A1 Financial USA & A1 Loans USA reserve the right to change this privacy policy at any time.
But we won't...because your privacy is job #1. Please re-visit this page periodically to ensure full
understanding and agreement of privacy policy. Your continued use of this site will constitute
acceptance of and binding agreement to the privacy policy as stated on website at time of visit.
If you have any questions regarding our privacy policy or privacy issues in general, please contact
our office at admin@A1FinancialUSA.com.
