Available Business Finance Programs

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Level4Finance successfully focuses on 7 primary small business loan programs.

The reason for that is we have found these products service about 90% of the business financing needs of small business owners nationwide and these programs have the highest percentage of closing.

Here are the seven small business finance programs we focus on:

Finance Program # 1 - Unsecured Business Finance. These are a spectrum of corporate credit cards available from many providers. You could apply for some of these on your own, but you don't know their underwriting and approval guidelines. Therefore, your potential for getting declined is very high. Once you are declined 3 times for any business lending product, then you will be declined for all business lending products for at least the next six months. That is because other lenders don't know what happened on those applications and they will wait to watch your credit reports to find out. Typical approvals for business credit cards are $25,000 to $150,000.

Finance Program #2 - Revenue Based Loan. Your gross revenue is the primary concern. If your business has consistent gross monthly revenue, then this loan program may be for you. It is easier to get approved for than business credit cards. Repayment is done Monday through Friday via automated clearinghouse from your business checking account. Typical approvals for business revenue based loans are $10,000 to $250,000. This program normally funds 10% of your annual gross revenue.

Finance Program #3 - Business Term Loans. If your business has tax returns for the last two years showing at least $250,000 in gross annual revenue, then you maybe be a good candidate for this program. The program funds between $50,000 and $500,000 to existing business who plan to use the funds for growth.

Finance Program #4 - Equipment Financing. Many times we find that business owners are seeking financing to buy "things". Some of these things may include computers, office furniture, software, vehicles, forklifts, machinery, or other hard goods; and most can be financed on their own without having to use valuable cash flow to do so. Equipment financing is available from $10,000 to $5,000,000 and can be bundled with other funding programs.

Finance Program #5 - Investment Rollover. Most small business owners don't realize that there is a provision in the tax code that allows them to roll their retirement investment accounts into an investment in their own business and avoid the tax penalties for taking the money out. If you have at least $35,000 in retirement investment accounts, then this business financing product may be for you.

Finance Program #6 - Account Receivable Factoring. If your business has open invoices from other businesses that owe you money, those invoices can be turned into cash. This program has many benefits. First, it can give you access to fast cash. Next, you no longer have the burden of trying to get paid. Lastly, you can now offer Net 30 day credit payment terms to your business clients. Account Receivable Factoring is available from $10,000 to $30,000,000 and can be bundled with other funding programs.

Finance Program #7 - Purchase Order Financing. If you find that you have an open purchase order for finished goods that you have trouble filling, then Purchase Order Financing may be right for you. Purchase Order financing is available from $10,000 to $30,000,000 and can be bundled with other funding programs.

Once you take the business finance pre-qualification test you will know which of these funding programs your business pre-qualifies for now and exactly how to pre-qualify for them in the future.
 
By completing the test, you will also get access to the approval criteria of over 60 business credit cards from retailers and service providers that report on business credit only. You will also be given access to the approval criteria of hundreds of vendor lines of credit that can offset your need for cash by providing your business with Net 30 day payment terms for the products or services you need.