Our Business & Advisory Solutions for Personal & Business Credit.
We offer a comprehensive suite of business funding and credit optimization services designed to meet the unique needs of growing companies. From rapid access to capital to strategic credit enhancement, our solutions are built for efficiency, transparency, and lasting impact.
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You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts.
The good news for you is that the Burden of proof is on the creditors and credit bureaus to prove they have properly complied. Our job is to find what they are doing wrong and leverage the laws to remove the accounts from their credit through 3 easy steps.
Audit
The first step is to identify the problems and issues holding back your credit with a comprehensive credit analysis.
Challenge
Using consumer protection laws we file factual disputes to challenge the errors on the derogatory items holding back your credit.
Repeat
If items come back “verified” we escalate the dispute process and even include the creditors in the dispute process.
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Start your business credit journey with confidence. We truly simplify your path to business credibility and maximize your financing opportunities.
Understand & Improve Fundability
We address your Business Lender Compliance items to identify missing items lenders require for approval.
Establish & Utilize Business Credit
We walk you every step of the proven & tested method on the journey to access money for your business.
Access Business loans & Credit Lines
We will continue to develop your profile until you are approved for business funding.
We know the lenders' hidden criteria for funding and we'll guide you through understanding and meeting each item! We will also help you:
Choose the right business entity for protection.
Set up a credit-friendly business address and phone number.
Save on listing costs with 411 registration and internet listing visibility.s
Navigate business bank account setup.
Set up your corporate domain, email and website.
Avoid the red flags that lenders look out for.
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Through trusted banking partnerships, we connect qualified businesses to a full range of capital options — including cash advances, term loans, lines of credit, equipment financing, invoice factoring, and more. Funding ranges from $10,000 to $500,000+ depending on eligibility. Quick decisions and fast funding available. (See qualifications and requirments below)
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Know a business owner needing funding? Refer them to Fern & Beacon Partners and earn competitive commissions on successfully funded deals. Simple, transparent, and paid promptly.
BUSINESS FUNDING PROGRAMS
** The below program minimums are a general guideline and funding approvals will be based on the health of your personal and or business credit profile. If your credit file has little to no credit, it will be hard to gain an approval. If your credit profile has credit card utilization above 30%, credit line approval will be more challenging. If your debt-to-income ratio is above 50%, all loan programs will be challenging to gain approval. Make these considerations before applying. The loan application fee is non-refundable.**
Business Cash Advance
If you accept credit cards or have regular bank deposits, you can get funding advanced to you for up to 200% (twice) of the amount of your monthly deposits.
Min Credit Score: 550Min '
Time in Business: 6 months
Min Monthly Rev: $8,000/mo
Funding Range: up to $10 Million
Business Term Loans
All types of loans, including SBA Express, 7(A), Equipment Financing, Franchise Loans, Purchase Order Loans, Real Estate backed loans and even more...
Min Credit Score: 650+'
Min Time in Business: 2+ years
Min Monthly Rev: $20,000/mo
Funding Range: up to $5 Million
Business Line of Credit
Same day decisions. Up to 5 year terms.
Min Credit Score: 625+
Min Time in Business: 2+ years
Min Monthly Rev: $20,000/mo
Funding Range: up to $20 Million
Invoice Factoring
Sell your accounts receivable to a lender at a discount, which the lender in turn provides an advance on payments for outstanding invoices.
Min Credit Score: 530+
Min Time in Business: 3 months
Min Monthly Rev: $40,000/mo
Funding Range: up to $5M per month
Equipment Financing
For financing new or used equipment and their associated soft costs.
Min Credit Score: 700+
Min Time in Business: 4 months of business bank statements'
Min Monthly Rev: $8,000/mo
Funding Range: $1k to $20M
Rapid SBA
Fastest access to an SBA loan with streamlined processes and documentation. Get pre-qualified today.
Min Credit Score: 720+
Min Time in Business: 3+ years
Min Monthly Rev: $14,000/mo
Funding Range: up to $150,000
Real Estate Investment/ Commercial Morgage Loans
Property Types offered: Retail, Mixed Use, Industrial, Warehouse, Multi-family, and SFR 1-4. Must own personal residence
Min Credit Score: 660+
Min Time in Business: Investor experience helps
Min Monthly Rev: n/a
Funding Range: Up to $150 Million
STARTUP Unsecured Business Funding
Unsecured personal loan. 3 - 7 year terms available. Must have W2 verifiable income. You will have DIRECT access to cash for business purposes.
Min Credit Score: 680+
Min Time in Business: NONE
Min Monthly Rev: $4,000/mo
personal income
Funding Range: up to $150,000
We Make Business Funding Simple.
** The below program minimums are a general guideline and funding approvals will be based on the health of your personal and or business credit profile. If your credit file has little to no credit, it will be hard to gain an approval. If your credit profile has credit card utilization above 30%, credit line approval will be more challenging. If your debt-to-income ratio is above 50%, all loan programs will be challenging to gain approval. Make these considerations before applying. The loan application fee is non-refundable.**
1. Obtain Free Credit Report.
Start by visiting the link below to obtain a free copy of your full credit profile. We’ll use this updated and accurate report to determine your standing and current qualifications. (Typically a min. Credit Score of 680 is required, but we have multiple options that you may qualify for)
2. Schedule Your Free Consultation.
Once you’ve obtained your credit report, schedule a call to meet with a representative today to go over the correct path of action for your business journey. This consultation will determine if you’re ready for funding today, or if we need to create a pathway to get there through our other credit building solutions.
3. Apply & Wait.
Once you conclude your consultation and we determine your qualifications, you’re ready to begin your funding application! Once your application is complete, we typically receive your results in as little as 24 - 48 hours of submittal. Once approved receive your funds directly and begin expanding your business!