Unsecured Business Lines of Credit

A new or existing business can utilize the Unsecured Credit Card Financing program to obtain up to $150,000 in Unsecured Credit Financing


Unsecured Business Lines of Credit

(Credit Card Program)

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A new or existing business can utilize the Unsecured Credit Card Financing program to obtain up to $150,000 in Unsecured Credit Financing


What is unsecured credit card financing and how does it work?


Unsecured Credit Card Financing is an alternative to an unsecured bank loan or an SBA loan. A business owner can obtain funds for financing a start-up business, to pay a franchise fee, to purchase equipment or for working capital.  The benefits of this type of financing include:  no minimum time in business requirement, no cash injection or down payment requirement and unrestricted use of funds.  A new or existing business can utilize the Unsecured Credit Card Financing program to obtain up to $150,000 in Unsecured Credit Financing. Those with exceptional credit and income may qualify for up to $200,000 in Unsecured Credit Card Financing. 

Another benefit of the Unsecured Business Credit Card program is the offer of 6 months to 18 months interest free.  These are revolving credit lines so as the cards are paid down, the funds are again available for use for ongoing business needs.  Approval is instant and access to funds is standard within 7 to 14 days.  

The amount for which a new or existing business owner qualifies will be based on credit score and household income.  Business owners will typically need scores of at least 680 to qualify for Unsecured Personal Credit Card Financing and credit scores of 720+ to qualify for funding in the name of the business.  When cards are in the name of the business they will report to the business credit profile.  This helps build business credit.  

Many lenders make loan decisions based on the credit score of your business.  For business owners with excellent credit (720+) the business credit builder program is a great option. The cards obtained in the name of the business, help the build business its credit. The program pairs the owner of the business with an advisor who help obtain the Dun and Bradstreet number as well as obtaining and building the business Paydex score – the credit score for your business. A Paydex score of 80+ (equal to a personal score of 800) allows your business to borrow money at more favorable rates. The business credit builder advisor will assist in obtaining the credit cards and trade lines to reach the appropriate Paydex score.  The business will then be able to borrow funds without effecting or using the personal credit of the business owner.

6 to 18 Months Interest Free

    Minimun Credit Score 680

      Access to funds in 7 to 14 days

        No downpayment, No use restrictions

          Speak with an advisor about Unsecured Business Lines of Credit