Access up to $2 Million in Business Capital. Apply Now!

Obtaining a business loan can be a daunting task, but with the right information, it can be an easy process.

At Paidinfullfinancial.com, we make the loan process straightforward and stress-free. We understand that running a business involves a lot of paperwork, so we keep the loan application process simple.

What do you need to qualify?

1. Provide us with a copy of:

Valid ID
SSN
LLC verification
EIN
4 months bank statements
Prior year taxes

2. Must be in business for at least six months

3. Have a minimum credit score of 600

4. Business income must exceed $2k monthly

5. Pay $99 Application Processing Fee

6. Submit your loan application

Here's what to expect after submitting your loan application:

• Fast 3 day decision

• Access to our premium services

• Free loan consultation

• Document verification to ensure all required information has been submitted correctly

• Email updates regarding the progress of your loan application

Good luck!

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Employee Retention Program (ERC)

Funding for Self-Employed & Gig-Workers

The Employee Retention Credit (ERC) program is a government initiative designed to provide financial relief to businesses affected by the pandemic. One effective way to secure approval for the ERC is by demonstrating a significant decline in revenue compared to the previous year. At Paidinfullfinancial.com, we simplify the process by guiding you through every step, ensuring you maximize your eligibility and benefits.

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Funding for Self-Employed & Gig-Workers

Self-Employed Funding is a financial support program tailored specifically for individuals who own their own businesses and for those in non-traditional employment roles. Whether you're a freelancer, gig worker, independent contractor, or a small business owner (Sole-Prop), Self-Employed Funding is here to provide the financial support you need to succeed. Apply for $1k - $10k and get an offer in minutes!

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Business Lines of Credit

Our Business Line of Credit service is designed to provide you with flexible access to the funds your business needs to thrive. With credit limits ranging from $5,000 up to $100,000, it offers financial support tailored to your specific requirements. Here's 4 reasons to apply now: #1 You'll only be charged interest on the funds you withdraw. #2 Enjoy the freedom to access funds as you need them. #3 Our approval process takes just a few hours. #4 Applying for our Business Line of Credit only results in a soft credit pull, so it won't negatively impact your credit score.

Apply for Business Credit

Payment Processor

Business Lines of Credit

Benefit from our payment processors equipped with a comprehensive range of tools, facilitating smooth payments online, in person, or on the go. With 24/7/365 expert technical support, you’re covered anytime, anywhere. Serving a wide spectrum of industries including independent contractors, retail stores, online shops, restaurants, and healthcare businesses, we are your comprehensive payment solution. Join the 80% of businesses that have streamlined their payment process by ordering your processor or requesting a quote today.

Apply for Payment Proccessor

6 Things to know about Business Loans

1. Time in Business

When applying for small business loans, every lender will ask how long you have been in business. The longer you have been operating, the better it is for your application. Banks may be less likely to lend to businesses under two years old, but online lenders may have more flexible requirements. Having a solid business plan, a strong personal credit score, and collateral can also strengthen your loan application. Ultimately, having a comprehensive and well-thought-out business plan showing how you will grow revenues and profits in the next three to five years is the best way to ensure that you get the loan you need.

2. Business Credit Score

Your business credit score is a critical factor when it comes to obtaining financing for your business. Lenders use this score to assess the likelihood that you will be able to pay back the loan. Your business credit score is determined by a number of factors, such as the length of your business’s history, the number of credit accounts you have, and your payment history. Your personal credit will also influence whether the lender approves your loan and at what interest rate.

3. Business Revenue

Lenders will review your business’s annual revenue and profits, as well as your bank statements, to determine your eligibility for financing. You will need to provide your profit and loss statements from the previous year and a year-to-date, updated within the past 60 days. Additionally, you will need to provide four months of business bank statements. The stronger your business financials, the more likely you will be to qualify for financing at lower rates.

4. Taxes

Most lenders will require the past two years of personal and business tax returns to evaluate the health of your personal and business finances and determine your ability to pay back a loan. This includes sole proprietorships, partnerships, S corps, and corporations. Business tax returns are especially important for corporations and LLCs taxed as corporations.

5. Loan purpose

You need to provide a statement describing the purpose of your loan when applying for a small business loan. This statement should be as specific as possible and match up with the amount of money you’re requesting. Knowing the purpose and type of loan you need will help you plan out your debt and choose the right option for your business.

6. Desired Loan Amount

When applying for a loan, you'll need to specify the amount of money you want to borrow from the lender. Banks are typically able to provide the most capital, with loans in six and seven figures. If you need a smaller amount of money (less than $250,000), alternative lenders and SBA loans are better options. Be sure to be clear and honest about how much financing you require and how you'll use it.

BAD CREDIT? GET A QUICK BOOST! Top owners say business loans they received is the driving force behind their success...