Discover the Credit Line Hybrid
Introducing the Credit Line Hybrid, an innovative funding solution crafted to secure financing for our clients solely based on their creditworthiness. Unlike traditional lenders, our approach removes the need for demanding prerequisites like financials, bank statements, business plans, and resumes. Experience a program that closely resembles a “no-documentation” initiative in the world of business funding. What’s even more remarkable is that you can gain approval with introductory rates as low as 0%, making this program exceptionally favorable in terms of financing.
Key Highlights of the Harvard Credit Solutions
Credit Line Hybrid
How Does It Work?
Complete a Form
Or a personalized consultation with our representative.
Submit your Application
With a soft pull on your credit.
In just 24 hours.
Meet Loans Advisors
Receive guidance on approval status and potential.
for Smooth Processing
Are you Eligible?
Credit Score Excellence
Maintain an impressive credit score of 700 or higher across all three major consumer credit bureaus.
Strategic Account Openings
Limit the number of unsecured accounts you've opened within the last 12 months to a maximum of 3, demonstrating financial responsibility.
Credit Card History
Possess a robust credit card history by holding a minimum of 2 open Credit Cards, each with a history of at least 2 years. One of these cards should be a primary card with a minimum limit of $5,000 or more.
Manage your credit inquiries wisely by keeping the number of inquiries per bureau in the last 12 months to no more than 4. Please note that secured inquiries like auto loans or mortgages are excluded from this count.
Uphold a record of financial discipline by ensuring no late payments within the last 2 years and having no accounts that have been charged off.
Maintain a clean credit history by having no instances of bankruptcy.
Balanced Account Utilization
Keep your revolving account utilization below 40%, showcasing responsible credit utilization habits.
Collections, Liens, and Judgments
Verify that your credit report is free from open (unpaid) collections, liens, or judgments.