®
Business Loans
For Alabama's
Small Businesses
Generous amounts
for small to medium businesses:
From $5K to $25M unsecured
A1 Financial knows all the local and national lenders to help Alabama business owners best.
We fund business owners with credit scores
as low as 300, if everything else is favorable.
Funding amounts will always be heads and tails above the competition, as we have 934 lenders in our circle.
Your credit score is safe, too, as no hard inquiries are performed unless you accept an offer.
We usually don't even perform soft inquiries!
-Approval rate is 98.7% of pre-qualified applications.
"Pre-qualified" means:
-You have 4 business checking statements,
or 4 personal checking ones with a "dba" in the title,
averaging at least $6,000 in 5 or more deposits each month,
over the last 4 months.
-You never had a negative ending month in the last 4
-Ending last month balance is above $1,000.
-Currently healthy (not negative, on par or better
deposit-wise with last month's numbers).
-U.S. citizen ownership...over 18.
-Valid I.D.
-Your rent/lease/mortgage (if you own the business's building)
is not more than 30 days late
-You have no financial criminal record
At A1, here's a list of items that will get you declined
most everywhere else, but will not matter at A1:
-High amount of inquiries are OK
-High recent applications are OK
-Charge offs are OK
-Low Volume ($5,000/month in deposits is OK 1 month)
-Slow month or two is fine, seasonal lending is available
-Need a LARGE amount? High volume funding to $500M
if secured by real estate, if not, $25M unsecured.
-Just 3 months in business is OK with 3 statements
sometimes 1 month, submit with last 4 personal statements
-All "hard-to-fund" and high-risk industries funded including
trucking-cannabis-auto sales-law firms
-9 NSFs to $60,000 OK
-27 NSFs in 90 days OK
-Up to 20 NSFs usually OK, if high deposit volume,
for lower risk industries
-9 negative days/month OK usually
-Only 5 deposit transactions OK if $15K+ total
-Under 400 FICOs OK- We funded a "386" previously
-Over leveraged...We fund to 20 positions in some cases
-Weekly, bi-weekly and monthly payments are avail to some
qualified applicants, but our "dailys" save you the most
money over the life of the loan.
-Non-financial criminal backgrounds are funded in most cases.
-MCA debt consolidations to 20 positions are available for all
----Pay just 50% of your current payments
-We fund up to 4 times monthly deposit averages in certain
cases for expansion projects
-Credit card sales loans are available, to save you money
-All BKs are OK 1 day after discharge
-IRS and state tax liens? Funded! at A1 Financial USA.
-Even "black-listed" and “previous defaulters” are possibly funded
with extra documentation
-Higher than normal dollar allowance with strong A/R report
-30 yr SBA Loans in 15 days starting at 8.9%
-Startup funding programs are available
-Personal Loans available
Apply today get funded in 24 business hours from signing your Funding Agreement.
"We look forward to serving you!"
Mark Ayers
A1 Financial CEO
Would you like a career in commercial finance?
No experience needed. No college needed. EOE.
No background checks needed. We train from the
ground up, the A1 way. Our top earners make $350K/yr
Interested?>> Click here.