Unlock Financial Flexibility with Our Business Credit Card
Collateral
Line Amounts
Credit Terms
Rates
Ensuring Your Investment
Collateral Requirement: We prioritize both your financial security and our lending integrity. As part of this commitment, we ask for collateral amounting to 50% of the loan amount. This collateral serves as a safeguard, ensuring that your investment and our lending remain mutually beneficial and protected.
Unleashing Your Potential
Extensive Loan Range: Our lending capacity reaches up to an impressive $5 million. Whether you're a small business aiming for growth or an established enterprise with expansion plans, our loan offerings are structured to unleash your potential. This diverse loan range is designed to cater to a broad array of financial aspirations.
A Timeline That Suits You
Flexible Repayment Term: We understand that financial commitments should be manageable. Our repayment terms span from 10 to 25 years, affording you the convenience of a timeline that aligns with your financial capacity and business objectives. This flexibility ensures that your investment pays off on a schedule that suits you.
Tailored to Your Advantage
Dynamic Interest Rates: Your financial journey is unique, and so are the factors that influence it. That's why our interest rates range from Prime + 1% to 2.75%. This range accommodates various financial profiles and market dynamics, ensuring that you receive an interest rate tailored to your advantage.
Credit Requirements
- Personal credit score 680+
- Time in business - 2 years or greater
- Showing some profits on business tax returns for 2 years (no losses)
- No felonies/criminal history
- No defaults on federal loan (VA, FHA or student loan)
- Enterprise value cannot exceed $15 million otherwise they are not a small business
- Funding process 4 to 8 weeks
- Can be used for working capital or real estate purchase
Acquisition Financing
- Personal credit score 680+
- History of management or ownership (of the business being acquired) in a similar or same industry
- 3 years of financials from the current business owner
- 3 years personal tax returns
- Business debt schedule
- 20% down
Projection Based Lending
- Personal credit score 650+
- Previous experience in the field
- Personal financial statement
- 3 years personal tax returns
- Business debt schedule
- 15% to 20% down payment required
Deal Submission Requirements
- Application
- Business tax returns -if applicable
- Personal tax returns - if applicable
- Personal financial statement - if applicable
- Business bank statements - if applicable
- Business plan
- Financials from business owner
Need Consultancy? Call Us 855-427-2738
We help you see the world differently, discover opportunities you may never have imagined.
testimonials
What People Say
Cheryl Reisner
A former bank lender from Shreveport, Louisiana. The Harvard Credit Solutions building process unlocked more funding options than I ever imagined, opening up new possibilities for my business. I believe every business owner should take benefit from the Harvard Credit Solution.
Louis
I found success using the Harvard Credit Solutions which helped me establish a business credit profile. This enabled me to apply for funding without using my Social Security number, eliminating personal liability for credit applications. I highly recommend this program to fellow business owners.
Edward from El Paso, Texas
Struggled to secure funding for my small businesses until I discovered the Harvard Credit Solution. Within a month, Harvard helped me to set up my business correctly and establish trade lines and revolving credit, and now I am on track to receive funding. I guarantee it’s worth the investment and now I wish I’d found it sooner.
Brian
Praise Harvard Credit Solutions for its exceptional service and support. Within 3 to 4 months, I was able to secure $50,000 in funding for my business and plan to refer more clients, I am grateful for the help I received.