The Program
The Bad Credit Start-Up Business Funding Program
A complete, done-for-you loan packaging and lender-matching service — with a written guarantee of at least $250,000 in funding or financing.
Built for Entrepreneurs Who've Been Told No.
Traditional lenders focus almost entirely on personal credit scores. We don't. Our program evaluates your business opportunity, prepares a professional loan package, and connects you with lenders who look at the full picture — your business plan, your use of funds, and your potential. Bad credit is a barrier we help you overcome, not a door we close in your face.
Minimum Requirements
- Must be over the age of 18
- Must have a SSN or ITIN
- Must want to start or grow a business (not a personal loan)
- Must complete our Certification process (we provide this)
Loan Specifics
Featured Loan Program Details at a Glance
Loan Purpose
Start or grow a business
Working capital, vehicles, equipment, and more
Loan Range
Up to $250,000
Combinable with other options for $5M+
Term
Up to 72 months
Up to 6 years repayment
Fixed Interest Rate
As low as 7%
Subject to lender approval
Credit Requirements
Minimal
Personal credit is not the focus of underwriting
Funding Speed
7–10 Days
First Tranche funding options presented to you and typically funded in 7 - 10 days.
Legal Note: Written Guarantee: Legally, we cannot guarantee funding from any specific lender, but we contractually commit to working with all participants to raise at least $250,000.
The Loan Package
No Loan Package. No Funding.
Business lenders require a specific set of documents before they will evaluate any application. This is called a Loan Package. Most entrepreneurs don't know how to build one — and without it, no lender will take you seriously. We build yours from scratch.
Valid Photo ID & Resume/Bio
A government-issued photo ID and a professional bio or resume establishing your background and credibility.
Business Entity in Good Standing
We Create ThisA properly registered business entity with a unique commercial address. We provide a FREE Shelf Corp if desired.
Commercial Business Address
We Create ThisLenders require a real commercial address — not a home address. We provide a FREE commercial address (just pay mail forwarding).
Business Profit & Loss Statement
We Create ThisA professionally prepared P&L statement showing your business's financial performance.
Business Balance Sheet
We Create ThisA complete balance sheet reflecting your business assets, liabilities, and equity.
Business Debt Schedule
We Create ThisA full accounting of existing business debts and obligations.
Business Plan with 3-Year Financial Projections
We Create ThisA comprehensive business plan including market analysis, strategy, and three years of detailed financial projections.
Personal Financial Statement
We Create ThisA complete personal financial statement for the business owner(s).
Use of Funds Statement
We Create ThisA clear, detailed explanation of exactly how the loan proceeds will be used in the business.
Pricing & Enrollment
Aligned Goals. Transparent Pricing.
We structured our pricing so that your success is our success. You pay a small refundable deposit to get started — the rest comes from your funding/financing.
$500 Refundable Deposit
Only $500 out of pocket to get started. This deposit is refundable and secures your spot in the program.
$2,500 Total Loan Packaging Fee
Normal pricing is $5,000, but for a limited time we offer a $1:$1 match — reducing the fee to $2,500. The balance beyond your deposit is paid from your funding/financing, not your pocket.
10% Performance Fee — After Funding
We earn a 10% performance fee only after each round of funding or financing is received. We only win when you win.
Guarantee: All participants are guaranteed to receive at least one funding or financing offer sufficient to cover the balance of the loan packaging fee.
Written Guarantee: Legally, we cannot guarantee funding from any specific lender, but we contractually commit to working with all participants to raise at least $250,000. Please refer to the enrollment packet for complete terms and conditions.
Common Questions
Frequently Asked Questions
Ready to Get Funded?
Start with just a $500 refundable deposit. We'll handle the rest.