What you need for a start-up loan


Are you ready to apply for a start-up loan? We have options for you!

Deciding to get a start-up loan for your business is a great choice. Now you need to make sure you qualify for a start-up loan and how to make your business appealing in the process. Taking your time to make sure you have all your ducks in a row will ensure that you are getting the best funding options available to you so you can move your business into the game!

Good Credit Score

Lenders prefer to offer their low-rate start-up business loans to borrowers with credit scores above 680 at least. In this climate, we know that although that is not a very high score, that number can be intimidating considering 2020. If you don’t have a great credit score, do not fear. We have options for you to improve your credit so you can apply. Contact our Inquiry Removal Department to discuss ways to remove inquiries that are negatively impacting your credit score. 

Years in Business

Lenders will consider how long your business has been operating. You need to have been in business at least one year to qualify for most online small-business loans and at least two years to qualify for most bank loans. If you haven’t been in business that long, or you are a brand new business, there are still options for you, especially if everything else looks good. Our experts can walk you through that process. 

Do you make enough money?

Many lenders require a minimum annual revenue, which can range anywhere from $50,000 to $250,000. Calculate your revenue and find out the minimum a given lender requires before you apply so you are ready to discuss options that are relevant to your profit. 

Can you afford the payments?

Look carefully at your business’s financials — especially cash flow — and evaluate how much you can afford to apply toward loan repayments each month. Some online lenders require daily repayments, so make sure to factor that in.

To comfortably repay your loan each month, your total income should be at least 1.25 times your total expenses, including your new repayment amount.

Do you have collateral?

You can get secured and unsecured business loans from many lenders. A secured loan requires business collateral, such as property or equipment, that the lender can seize if you fail to repay the loan.

Putting up collateral is risky, but it can also raise the amount lenders let you borrow and get you a lower interest rate.

Lenders may also require a personal guarantee — even for unsecured loans. This means you’ll personally repay the loan if your business can’t, and may let a lender come after things like your house or car in instances of nonpayment.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Are You Using These 4 Marketing Tactics?


There is more to marketing than just using social media. Are you using these vital marketing tactics?

There is so much to marketing that it could make your head spin. But what marketing efforts should you be focusing on right now, besides the basic foundational strategies, like social media and print marketing? Here are 4 tactics that you should be looking into, to grow the marketing strategy for your business.

  1. Content Marketing

As one of the most effective methods of growing audience engagement, developing your brand presence, and driving sales, content marketing is a mission-critical growth method for most businesses. So what is content marketing? 

Content marketing is the development and distribution of relevant, useful content—blogs, newsletters, white papers, social media posts, emails, videos, and the like—to current and potential customers. When it’s done right, this content conveys expertise and makes it clear that a company values the people to whom it sells.

The consistent use of content marketing establishes and nurtures relationships with your prospective and existing customers. When your audience thinks of your company as a partner interested in their success and a valuable source of advice and guidance, they’re more likely to choose you when it’s time to buy.

Content marketing is important because it answers your audience’s questions. With content marketing, you can build trust with your audience, improve conversions, connect with customers, and generate leads. And, in today’s age, customers expect high-quality, consistent content from their favorite brands.

  1. Email Marketing

Marketing your products or services by email can be a fast, flexible and cost-effective way of reaching new customers and retaining existing customers by encouraging repeat website visits.

Email marketing can allow you to create targeted and personalised messages. This can help you to build meaningful relationships with your customers. It can also improve response rates to your direct marketing campaigns.

However, it is important not to overuse email marketing. Receiving marketing emails can irritate people if it is irrelevant, too frequent or unwanted.

  1. Search engine optimization (SEO)

This is one of those buzzwords that you hear used over and over again by marketing professionals and even business owners who are trying to increase traffic to their website. Often, SEO is misunderstood and misused. You see evidence of this in many scams where business claim to get your business to the “Top of Google” after a few weeks with them. This is a ploy that will by easily avoided once you understand the basics of SEO. 

SEO stands for Search Engine Optimization, which is the practice of increasing the quantity and quality of traffic to your website through organic search engine results. 

To understand the true meaning of SEO, let’s break that definition down and look at the parts:

  • Quality of traffic. You can attract all the visitors in the world, but if they’re coming to your site because Google tells them you’re a resource for Apple computers when really you’re a farmer selling apples, that is not quality traffic. Instead, you want to attract visitors who are genuinely interested in the products that you offer.
  • Quantity of traffic. Once you have the right people clicking through from those search engine results pages (SERPs), more traffic is better.
  • Organic results. Ads make up a significant portion of many SERPs. Organic traffic is any traffic that you don’t have to pay for.

Here’s how it works: Google (or any search engine you’re using) has a crawler that goes out and gathers information about all the content they can find on the Internet. The crawlers bring all those 1s and 0s back to the search engine to build an index. That index is then fed through an algorithm that tries to match all that data with your query.

Okay, but what can a business owner do to increase their SEO value? Well, that’s a great question with a very long answer, but we’ll give you some of the 10 basic things that contribute to your SEO value:

  • A Secure and Accessible Website
  • Page Speed (Including Mobile Page Speed)
  • Mobile Friendliness
  • Domain Age, URL, and Authority
  • Optimized Content
  • Technical SEO
  • Reviews
  • Links
  • Social Signals
  • Real Business Information

There’s a lot that goes into SEO, but relevant keywords, images, video and consistent quality content play a big role. A great way to get started is by collecting positive reviews on Google or Yelp. 

  1. Affiliate marketing.

Affiliate marketing is the process of earning money (commissions) every time you promote a company’s products or services and drive a sale. There are many sites that you can use to collaborate with on affiliate marketing strategies, such as:

  • Flipkart Affiliate
  • Amazon Affiliate
  • vCommission
  • eBay
  • HostGator Affiliate
  • Admitad.
  • Nearbuy Affiliate
  • GoDaddy Affiliate

This means that you would mention their products in your marketing and use their specific affiliate link to try and direction potential sales to their pages. If a sale is referred by one of your affiliate links, you earn money. 

On the flip-side, business can give affiliate links to other businesses or influencers to use and incentivize them to market their products for a percentage of the profit. The tricky part is finding businesses or people that are a good fit in this type of collaborative marketing relationship. 

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

4 Pros of Getting a Start-Up Loan

We help new businesses like yours to get start-up funding so your business can get moving quickly.

This is the year that entrepreneurs have woken up and started to build on big business ideas and concepts. After experiencing the beginning of this pandemic, they are ready and revving their engines to get moving forward in the business world. So they have a concept for a business, maybe even the team, the plan, etc. But to put all of this in motion and create a solid foundation, there is an investment to be made and a question to be asked, “Should I apply for a Start-Up Loan to get my business rolling?”

Of the many ways that business owners can get the funding they need to start their business – personal savings, family and friends, crowdfunding, etc. – Start Up loans have an advantage to the other options. Let’s look at some pros to getting a start-up loan for your business. 

Working Capital to Start Your Business

This is probably the most obvious pro. You will have the money you need to invest in resources, staff, equipment – perhaps even an office – to make sure your business is ready to go on all fronts. With funding, you can invest in your marketing, a huge element that is vital to making sure your business is a success. There really is no other way to say it, “you’ve got to spend money to make money”. This is where you will start. 

You Remain the Owner

In some situations, if you are borrowing the funding from friends and family, it becomes a matter of sharing the equity in your company with the person or people you are borrowing from. At that point, it is a dicey situation because you are bringing in the opinions of other people who may want to run things a little differently. Getting a Start-Up Loan ensures that you retain ownership of your company so you can run things the way that aligns with your vision. 

It Guards Your Personal Wealth

Start-Up Loans ensure that your personal finances are separate from the business finances. This is incredibly important, even further down the road when the risk builds. Even the most well-planned venture may face obstacles that are out of your control and you need to be careful about mixing personal assets with your business. Getting a Start-Up Loan will help you to keep things separate and reduce risk to your personal finances in the event that something were to happen. 

Woo Hoo! Better Credit. 

When you get a Start-Up Loan, it means that you will start to build credit. Over time, the amount of money that you pay in and being able to show that you are responsible enough to pay things on time will all look good for your credit. Why is this important? Because in the future as your business grows, you may be interested in getting bigger loans to grow your business. Having a good borrowing record will help to prove that you are worthy of handling bigger loans. 

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Show Your Team Love

2020 and even 2021 has been a difficult time for a lot of businesses, it’s true, but what about the teams? The people who keep the business going and drive the process forward? From being moved to remote work, the uncertainty of their jobs, coming back into a new work environment with masks and new rules… So much has changed and now it is time more than ever for business owners to show appreciation to their hard working team. 

Nothing is worse than working hard in uncertain times and not getting any acknowledgement. People start to wear down after a while and acknowledgement will help to keep them going. 

Creating a loving workplace all starts at the top, and it requires strategy, planning and deliberate effort. The idea of showing love and affection to your employees can be intimidating. It’s a lot easier to play the stern, invulnerable taskmaster whose only concern is the bottom line. It’s a lot less rewarding, too. Here are nine ideas for opening your heart to the folks who do so much to make your business dreams a reality.

1. Know Their Stories

One of the best ways that you can let someone know that you appreciate and care about them is to take a genuine interest in where they came from, and their story. Getting to know your team individually will not only help you to understand the best ways to communicate and motivate them, but it will also demonstrate that you take a genuine interest in them as part of your team. 

2. Acknowledge Individual Contributions

No one wants to feel like their contributions are in vain. Make a deliberate effort to pay attention to the parts that individuals in your team play and how they go the extra mile to add to the success of your business. When people don’t feel that their efforts are being recognized, it’s only a matter of time before they cease to go that extra mile. It’s wonderful to recognize the whole team when productivity is high, but it takes a more concerted effort to dig deeper and see who is really doing the heavy lifting. Make sure those people know they are appreciated. 

3. Wine & Dine Them

Just like you will take a client or a new networking partner out to a fine dining experience, taking team members out will make them really feel like the spotlight is on them. Everyone likes to be wined and dined, it makes them feel special and appreciated, and your team members are no different. Take them out to celebrate a specific “win”, or just to applaud their overall performance – it is a great way to show that you care.

Regular One-on-Ones

It happens in so many companies, yearly evaluations being thrown to the wayside. Feedback is so important, it’s how we grow and evolve in our performance, the last thing businesses should do is “forget” to have conversations with their team members. Furthermore, yearly evaluations are fantastic, but quarterly is even better. Depending on the size of your team, quarterly may not be an feasible option, but the point is that the more frequent you can have those sit downs, the more your cohesive your visions will be, and your team will feel cared about. 

5. Make Time for Them

Yes, the days are long and busy, but being present is a huge morale booster for your team. Let them know that you care enough to make time for them, especially the important issues. You want to foster a workplace that values communication, and this is a great way to let them know you care about them – by caring about their concerns or their ideas. This doesn’t mean you have to drop everything to let them come by and chit-chat, it just means that you will make the effort to give them your ear when it is a matter they feel very strongly about. 

6. Tell Them You Appreciate Them

It may sound simple and obvious, but maybe that’s the reason it becomes overlooked – tell your team you appreciate them, all the time. You can leave little notes, you can tell them in person – Just make it happen. Never underestimate the power of words! 

Make it Happen

However you decide to show your team members that you care, just make sure it happens and happens often. Showing appreciation is the fuel that keeps your team energized and productive! People need recognition and to know that they are valued, so be the source!

We Help You Get the Funds to Invest!

With the opportunities for small businesses booming, why wait another moment. What else is keeping you down? Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Confused About Your Business Credit Score?

How does a business credit score work?

A business credit score is a crucial insight into a company’s financial health and reliability. Lenders will use a credit score to assess how much of a financial risk a business is, based on a summary of the information in their business credit reports, whenever it submits any kind of credit application.

A high business credit score is a good indication that a company will reliably make repayments on time. This will make it more likely that the company’s credit application will be accepted, and they’ll be offered more competitive rates. This score is also accessible by everyone from vendors and suppliers to landlords and business partners.

It’s important that companies don’t neglect their credit score and take the necessary steps to keep it as healthy as possible.

What affects your business credit score?

Just like personal credit scores, there are various factors which determine a business credit score. This score is generated by credit reporting agencies and is calculated using a number of parameters like the company’s payment history.

These details typically consist of public financial data and information supplied by the company, its lenders, and other vendors. Some example variables considered in a business credit score include the company size, its level of credit utilization, any current outstanding debts, and the length of the company’s credit history. (And this still isn’t even the full list of factors.)

You can help improve your business credit score by providing accurate and up-to-date financial information. It’s a good idea to routinely check your business credit report in order to identify any errors or inaccuracies. You should notify the relevant credit bureau if you spot anything that needs correcting.

There are four main business credit scores and reporting agencies. Dun & Bradstreet Credit Score for Businesses is most commonly employed in a credit check. There are also the Experian Business Payment and the Equifax Business Credit Scores. These are typically used by banks and lenders when assessing credit applications.

Finally, there is the FICO LiquidCredit Small Business Scoring Service. Unlike the above examples, FICO is not a credit bureau. It instead uses information from Dun & Bradstreet, Equifax, and Experian to generate a credit score. That score is then commonly used when making approval decisions on Small Business Administration loans.

These four credit reporting agencies can all hold different information on the same company and, as a result, there can be variation in these business credit scores. They also use different credit ranking scales, meaning what is considered a good score by one reporting agency may not be by another.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Top Loans to Benefit Your Business: Start-Up


UNSECURED START UP LOANS

The unsecured start up business loan was created to give our clients the financial resources to start their own businesses without the hassle of an SBA loan.  The start up phase of any business is one of the hardest times to acquire the necessary working capital and other resources needed to make your business thrive.  Our funding solutions solve this problem for you so you can concentrate on your business.

SO WHY WORK WITH OUR COMPANY?

Its Simple.  Our consulting staff is made of ex bankers, underwriters and business financing experts.  Getting clients capital is about understanding the lending process and how you actually look to a potential banker or investor.  We are the experts in understanding the clients financial needs and the potential of them getting what they want.  Different types of funding methods are available including pubic, private, wholesale and niche lenders that work with different types of clients.  Loans, lines of credit and private funding are available for extended terms up to 7 years.

WHAT WE DO NOT OFFER?

Our financing programs are NOT MCA (Merchant Cash Advance) or factoring loans.  They are NOT daily payment loans or short term notes.  They are NOT 6 to 12 month terms.  The terms are up to 7 years with a monthly payback.  We offer long term financing for working capital, business acquisition and other startup needs.

WHAT DO WE OFFER?

Our loans and lines of credit range from $10,000 up to $500,000 and can be used for any startup purpose including business acquisition, working capital, inventory and payroll.  Preset fixed rate loans up to 7 years (varies by state) with monthly payments and no prepayment penalty.  Our funding comes from loans, lines of credit and business credit cards.  Specialty lenders and private investment groups are able to handle larger loan sizes ($200,000+) and fund what most banks won’t touch.

HOW DO I KNOW IF I QUALIFY?

Call us or apply online and one of friendly staff members will let you know.  We need at least a 650 personal credit score to apply.  A 5-10 minute phone interview is all we need to qualify you for any of our various programs.

 No assets, business plan or lengthy paperwork needed.

 Clients are pre-qualified in less then 1 hour using a soft pull credit based system.

Every type of start up business allowed.

Longer term loans up to 7 years. Varies by state.

No doc stated income loans and lines available.

Home Based Business Financing – Internet Based Business Financing – Cash Only Paid Business Financing – Bridge Startup Financing – Real Estate Flippers – Contractors – Import/Export Companies – Consultants

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

How to Handle Poor Personal Credit Scores When Applying for a Business Loan


When you come to us for a business loan, it is true that we will do everything in our power to help you get the most funding possible for you. But what happens when it all comes down to your personal credit score? This is something we see a lot of first-time business owners scratching their heads about, especially when applying for a start-up loan from us. 

So what do you need to know? Let’s take a look at how your personal credit score will affect the types of business loans you would be approved for, how much you will get, and so on. Keep in mind that our team of highly trained professionals can give you more one-on-one advice on our phone calls, and we have networks of professionals to help get your personal credit score back on track!

Credit is Important for Business Loan Approval

When you are applying for a business loan, lenders are going to take a detailed look at your credit history to determine the risk involved in providing you with financing. Your credit history shows lenders how well you manage your debts and whether you make payments on time, and it also reports how much money you have borrowed in the past and whether you have ever declared bankruptcy. These factors can tell a lender a lot about the risk they’ll take on if they offer you a loan.

How Often Do Lenders Look at Your Personal Credit Score for a Business Loan?

Most lenders will at least look at your personal credit history when determining your eligibility for a business loan. However, some lenders will put less weight in your personal score than others, which is why you shouldn’t give up on applying for a start-up loan or a business loan. If you already have an established history of good business credit, lenders may put even less weight on a lower personal credit score.

In the following circumstances, you can generally expect your personal credit to matter more for a business loan:

1. Applying for Financing With a Bank or Other Traditional Lender

Banks have strict requirements for lending and don’t have the luxury of being very flexible. On the other hand, Unsecured Finances can help your business to navigate this process to find the best options and how to prepare your application. 

2. Your Company Is a Start-Up or a Small Business

If lenders don’t have enough information to determine your creditworthiness from your business score, they will weigh your personal score more heavily. If you own a sole proprietorship or a small business with only a few employees, it may be hard for a traditional lender to see the distinction between your business’ credit history and your personal credit.

3. Low Personal Credit Score

A few older negative items on your personal credit report shouldn’t make it difficult to receive a business loan, especially if your business’ credit history is strong. However, the more negative items there are on your personal credit history, the more a lender is going to take notice and factor it into their risk assessment.

What Effects Will My Personal Credit Have on My Business?

Your credit history—both personal and business—is only one factor lenders use to evaluate your application, not the be-all and end-all of the financing process. However, credit history is an important factor, and it can have a variety of effects on your ability to acquire the financing you need. Your business and personal credit histories can affect:

  • Whether or not you get approved for a loan
  • Your options for terms and payment schedules
  • The interest rate on your loan
  • The total amount of financing that lenders are willing to provide

What if I Have a Valid Reason for Having Poor Personal Credit?

Independent financing partners have much more flexibility than banks, and they don’t have to treat an applicant’s history as nothing more than a credit score number. For example, if you have poor personal credit due to a single devastating event that does not reflect on your ability to manage your personal funds, an independent financing partner shouldn’t treat this circumstance the same as if you have a long and consistent history of making late payments or defaulting on debts.

The Bottom Line

If you are ready to apply for a business loan, give us a call and we can walk you through the process. Even if your credit score is not ideal for the funding, rates or payment schedule you would like to have access to, we can work with you and our network of professionals to provide you options that will help raise your credit score or remove inquiries on your credit report. 

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

How Inquiry Removal Helps with Credit Score


Credit scores naturally fluctuate from month to month depending on your usage, payments and transactions. For the most part, your credit score is directly tied to your actions. Occasionally there will be errors on your report that were out of your control, such as with hard inquiries and lines of credit. If you notice a sudden decline in your credit score, even if only by a few points, you may be suffering from the effect of an unwarranted credit inquiry.

What is an Inquiry?

Simply put, a credit inquiry is a credit check. Inquiries happen when there is a legally permitted request to see your credit report from a company or person. All inquiries aren’t created equal. There are 2 different types: hard and soft. Hard inquiries are ones made with your permission for specific transactions.

Will Inquiries Hurt My Credit?

A soft inquiry occurs in cases where you check your own credit or when a lender or credit card company checks your credit to preapprove you for an offer. Soft inquiries do not impact your credit scores.

Hard inquiries happen when you apply for a new loan or credit card and the lender pulls your credit reports to determine if you qualify. 

Lenders use how many times you have applied for credit to judge whether you should be approved for an extension of credit. In certain circumstances, an unapproved inquiry can be removed from your credit report by sending a credit inquiry removal letter to the credit reporting agency or by disputing it online.

How Our Company Can Help with Your Inquiry Removal

We remove unauthorized hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report.  These extra inquiries will lower your credit scores by 3-5 points each and if you have too many of them 6+ you will still not be eligible for financing even with a very high personal credit score.  Our service removes all unauthorized hard inquiries on all 3 credit agencies.  We charge per deletion and guarantee results of 85% + success to qualify you for funding.

Can I Remove Inquiries from Open Accounts?

No you cannot.  Inquiries that are tied to open accounts are not bad.  Only excessive inquiries NOT tied to open accounts or preexisting accounts.

Can Unsecured Finances Remove Inquiries from All Agencies?

Yes we can!  We are successful on all 3 agencies including Equifax (EFX)

Is it a Good Idea to Remove the Inquiries? 

Every inquiry on your report cost you 3-5 points on your fico score.  Removing excessive inquiries makes you eligible for funding, makes your score go up and makes you look better to get approved for future capital.

How Long Does it Take to Remove the Hard Inquiries?

Generally Experian and Transunion is the quickest within 3 weeks.  Equifax takes the longest.   Due to the coronavirus and the government fines against Equifax from the identity breach (In September 2017) the time to get inquiries deleted takes 6-12 weeks.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

How Do I Remove Inquiries from My Credit Report?


Everyone is trying to back in the groove now that 2020 is further and further back in our rearview mirror. Whether you are applying for a new home or a start-up loan for a new business, it’s important to know how your credit report will affect the funding available to you.

Simply put, a credit inquiry is a credit check. Inquiries happen when there is a legally permitted request to see your credit report from a company or person. All inquiries aren’t created equal.

TYPES OF INQUIRES

There are 2 different types: hard and soft.

Hard inquiries are ones made with your permission for specific transactions. When you apply for credit—be it a credit card, mortgage or car loan—the potential lender will generally pull your credit before deciding whether to approve your loan application and what the terms might be.

Soft inquiries won’t show up on reports requested to evaluate your credit-worthiness. Every time you check your credit report, a soft inquiry is generated. Among other reasons, soft inquiries happen when creditors check your credit to determine any pre-approved offers.

WHY DO I HAVE SO MANY INQUIRIES?

Clients having too many inquiries in today’s world is very common.  A lot of financial companies put an unnecessary amount of inquiries on the clients credit report when trying to get them financing.  Once you have excessive inquiries on your credit report then getting any type of financing will be close to impossible.

WHY DO CLIENTS GET TURNED DOWN FOR FINANCING WITH TOO MANY HARD INQUIRIES?

When your file gets to underwriting having too many inquiries could mean the following.  1.  You are desperate for capital  2.  The file is fraudulent  3.  You are stacking the funding.  Stacking the funding means you have been approved for capital from other places already but it has not shown up on your credit report yet.

HOW CAN OUR COMPANY HELP YOU?

We remove unauthorized hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report.  These extra inquiries will lower your credit scores by 3-5 points each and if you have too many of them 6+ you will still not be eligible for financing even with a very high personal credit score.  Our service removes all unauthorized hard inquiries on all 3 credit agencies.  We charge per deletion and guarantee results of 85% + success to qualify you for funding.

CAN I REMOVE INQUIRIES FROM OPEN ACCOUNTS?

No you cannot.  Inquiries that are tied to open accounts are not bad.  Only excessive inquiries NOT tied to open accounts or preexisting accounts.

CAN YOU REMOVE INQUIRES FROM ALL AGENCIES?

Yes we can!  We are successful on all 3 agencies including Equifax (EFX)

IS IT A GOOD IDEA TO REMOVE THE INQUIRIES?

Every inquiry on your report cost you 3-5 points on your fico score.  Removing excessive inquiries makes you eligible for funding, makes your score go up and makes you look better to get approved for future capital.

HOW LONG DOES IT TAKE TO REMOVE THE HARD INQUIRIES?

Generally Experian and Transunion is the quickest within 3 weeks.  Equifax takes 5 to 6 weeks.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Marching Into Business: Why 2021 Could Be the Best Year for a Start-Up


Clearly 2020 was a year of discouragement for a lot of business owners and those in the workforce. However, it has moved us to embrace the fact that a great many things are out of our control and has given us a clearer picture of what was broken in the business world and what was working. With that in mind, many entrepreneurs are taking this new chapter and leaping into the eager new business world. It is during times like this when a new wave is created — not only in how business is done, but also in leadership.

  • 1957 – 1958 during the recession, the first Hyatt hotel opened.
  • 1973 – 1975 Microsoft was founded during the embargo recession.
  • 2007 – 2009 during the Great Recession, we saw the creation of several startups like Uber as well as popular vacation rental marketplace Airbnb. 

If you’ve been wondering whether or not now is the best time to start a company, or if you’ve already started to dip your toes into entrepreneurship but are second-guessing your decision, here are 3 reasons why you should trust your instincts and go all in.

  1. Consumption of Online Content is Higher Than Ever

Consumers’ ever-increasing problems mean they’re seeking more solutions than ever. It’s now become easier and more accessible for everyday people to start businesses such as e-commerce, virtual assistant work, coaching, or becoming a freelance writer, designer or developer.

E-commerce has spiked by nearly 40% in the wake of Covid-19. 

If you think about how your own consumption and purchasing behaviors have changed over the last few years, it’s easier to spot trends in where we are heading in the world of consumption and business.

If you think about what solutions you wish you had, that aren’t currently being met, chances are there are others looking for the same solutions.

  1. Introspection Leading to Innovation

As we began to spend more time in our homes, we had more time to do what we loved. For many of us, this meant cooking, writing, speaking, and creating in ways that are unique to our own genius.

We so often doubt ourselves and what we are good at — to the point where it stops us from taking the next step toward our highest desires. We believe that our gifts are not unique gifts. We believe our talents come easily to everyone, when in reality, you’re incredibly gifted.

While some people may be good at your talents or able to learn them quickly, they may not necessarily enjoy it. When you enjoy it, your passion and energy shines through your work. Work becomes effortless and enjoyable when you’re living in true alignment with your soul and heart’s desires.

  1. Recessions Expand the Available Workforce

The pandemic forced millions of people out of their jobs. If those people don’t decide to start their own companies, they’ll be looking to join those who do, putting their experience and expertise where it’s most valued.

Not only are we helping those in need of financial relief during challenging times, we are connecting those same people with missions and new business ideas that are truly life-changing.

If you’re hesitant about starting a business during this time, look for the reasons why it will work, instead of why it won’t — because what we focus on grows.

The world of online business is the new normal, and many successful leaders, businesses, and companies are creating during times of turmoil.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584