Frequently Asked Questions

Up to $400,000 Personal Funding Program FAQ (3-7 days)


Q: What separates you from other alternative funding providers?

A: There are several factors. Most other “expert” funding/loan processing companies do nothing more but submit your application, or simply “suggest” subprime lenders (or the WRONG lenders) “hoping” to obtain lucky approvals with trial and error. This is practically WORTHLESS to you! Even worse this common approach could destroy your credit with ‘empty’ inquires. With each successive inquiry it makes it harder and harder for a lender to approve you, and with enough inquires lenders will then flat out decline you no matter how good your credit is. Sadly clients (even with excellent credit) realize this AFTER the fact and are left stunned and frustrated. Even if they are able to obtain ‘some’  funding for you it is most likely not near what they should of obtained if the file was matched properly right from the very start. This is why working direct with an  experienced, strategic, loan processor/analyst is vital when seeking to obtain higher than normal ranges of unsecured funding. This is exactly what we provide for our clients.

Q:  Cant I simply apply with my main bank and get all the funding I need? (unsecured)

A: Yes of course you can apply with them. However, when most borrowers take this common approach, they either get declined, or are offered a very small amount.

Q: Are you the lender?

A: No. We are better than any ‘one’ lender. We work with many viable bank and non-bank lenders, across the country, and strategically match you with the best lender (s) that we know will give you the highest approval amount per inquiry. We are not tied to any one bank.

Q: I have already “shopped” my credit around to lenders and obtained little to no funding. Can you still help?

A: It depends on where (and when) you have shopped. However, we prefer to only process files that have not been recently shopped to reach the highest funding totals for the borrower. The goal is to make each strategic submission count as much as possible, along with the knowledge of knowing which lender (s) work best for your unique file.

Q: What are the ‘general’ requirements to qualify for your services?

  • 700+ Credit Scores
  • 4 Seasoned PRIMARY Tradeline Accounts
  • Verifiable Income

Q: I need funding quickly. How do I get started?

A: Please fill out the pre-qualification form on the get quote page.

Q: How long will it take to receive a quote after reviewing my credit?

A: We generally email you within a few hours from the time your report is received. However, it can take 2 to 24 hours depending on requests along with the number of files being processed in the queue. For quickest speeds, it is imperative that you provide as much information as possible, and without a Scoresense credit login, we can’t possibly give you an accurate range of your current aggregate funding potentials.

Q: I have great credit. Can I simply apply with ‘any’ one bank and get a personal loan (Unsecured) for $25,000 – $100,000?

A: Many uneducated borrowers still believe they can simply walk into any bank they please, and apply with any lender and obtain these ranges of funding from a single lender or bank. The current analysis of countless credit reports, all across the country tells us this is not the norm. Before 2008 this scenario was far more likely. But not now especially because so many lenders have been burned. If you are seeking higher than average ranges of personal funding (in the ranges of $30,000 – $400,000) you are best off saving the inquiry on your credit report and having one of our Expert Funding Consultants work strategically with your file right from the very beginning.

Q: I am ready to start. How does your general process work?

A: The process can vary with each client. But in general, we must first review your credit profile in order to accurately quote the amount of funding we feel we can obtain for you. If our quote is acceptable to you, we will contact you directly to go over how our process works along with other materials or information we need from you in order to proceed. You will be issued our main application, along with our backend fee agreement via email.

Q: Will you accept any free credit report to analyze?

A: No.  The accuracy of the entire credit profile is critical. At the moment we accept Experian (which is our preferred site), ScoreSense, Privacy Guard, and Identity IQ credit monitoring system for analysis.

Q: Will Credit Monitoring Systems put a ‘hard inquiry’ on my credit?

A: No

Q: Can I shop around for other loans while I am in the process of funding with you?

A: No. It is absolutely critical you do not apply for other loans during the process.  Again, the goal is to make each inquiry (loan submission) count to its max potential. Even just one surprise inquiry at the wrong time during the 3-7 day process could cost you as much as $20,000 (or far more) in funding.

Q: I have 720 scores. How much funding will I get?

A: Please note that your credit ‘scores’ are only one small piece of the pie. A common misconception is high credit scores = high amounts of funding and it is not that simple. That’s why a complete “x-ray” of your entire situation needs to be conducted upfront first. We perform a highly advanced and calculated credit analysis.  Each credit profile offers multiple complexities/variables with far too many determining factors to mention here.

Q: What are the backend performance fees for your funding services?

A: Our backend fee’s vary on the complexity of the file, location, and the amount of time we feel each case will take, etc. After we review your credit we inform you of the amount of funding in which we feel we can obtain for you, and the backend fee is then quoted either written or verbally before proceeding with submissions.

Q: What are the interest rates with your lenders?

A:  Interest rates on average can range from 7% – 15% annually over a 3-5 year term. There are no pre-payment penalties with the lenders we work with. Your credit score dictates the interest rates. The higher your credit score the better your interest rate will be.