123 WHITING MARKETING

COMPANY LLC

Business Products and Services Done Right.

Read more about how we help local businesses daily.

We do this by simply asking every business owner to allow us to learn more about them, their business, and what goals they have for their business. Every company out there needs help. It might be Lending Solution, or maybe they need help to Advertise, or it could be saving more money on Merchant Services. We can help you to achieve your goals. And very proud to do so daily.

Watch the below video on how Banks are not your only choice for Business Lending today.

I want to tell you I used to work for a big bank in the area.

I was a Branch Manager there and saw many business owners come into my bank. We would sit down and talk about their Business goals and decide if applying for a business loan would be a good fit for their business, and most of my business customers did apply. But I would say 2 out of 10 would be approved, and the other eight would be denied because of Bad Credit, High-Risk Industry, or Just not having a Strong Relationship with the bank.


I want to go over all three reasons so you understand.


#1 Bad Credit banks need a FICO score in the high 600s minimum to be eligible for business lending, Which my Current Lenders do not need high credit scores at all. I have lenders that believe good or bad Credit scores don't mean: lousy loan paybacks at all, my lenders believe that being in business is never easy and sometimes having to do what it takes to make a sale or money sometimes could be taking risks and sometimes means lowering your credit scores.


#2. High-Risk Industry or Niche a lot of business owners thought this meant terrible credit. No, it means the risk of getting injured on the job or the Industry type or Niche in the past has shown to the bank that Industry or Niche has quit and or moved to another state or country and never pay back the loan or loans. That's a bad risk to all banks. And then


#3 Strong Relationship with their main bank, this is always a tuff one to struggle with, But banks look at all the dollars and accounts that Business Owner has with them. They first look at all deposit accounts, Personal and Business, Checking, Savings, Money Markets, CD's, and Investments with the bank. This number is the risk factor of Possible money leaving the bank if the loan is denied. Now lets look at the Loan side of this total relationship number. Your Bank will look at all Loans that you have with them personally and thru your business, they look at personal and business Mortgages, Lines of Credits, and any loans like Auto, Boats, or Personal and Business Loans. Plus Merchant Services and complete Business services they have with the bank. This total relationship number is what they have on the books lended out, and it will show how hard it is to move these accounts to another bank or company for the business owner if the loan is denied making a unhappy customer.


Being in business today

is an enormous undertaking

Starting or having a small to Mid-Sized business is an enormous undertaking and needs to be backed up with an innovative idea and money. But, in many ways, it has become much easier to start your own business.


I don't know if you have ever attempted to get a business loan from any bank today. However, banks can require a higher applicant benchmark.


Therefore, those that have a high FICO score and collateral have a much higher chance of receiving the loan in comparison to those that don't. Thankfully, You are here, and we can genuinely help you with your Business Lending Needs.

What is needed to get lending thru us?

  • MUST HAVE A BUSINESS BANK ACCOUNT


  • 3 Months of Bank Statments (FULL STATEMENTS) IN .PDF FORMAT OR FULL STATMENTS IN PAPER.

NO PICTURES ALLOWED.



  • as low as 500 Plus FICO Score


  • EIGHT (8) Deposits per Month showing in your Bank Statements


  • MIN One Year In Business


  • $10,000 a month in Revenues Minimum


  • $3,000 avg daily balances


  • Driver's Licence OR STATE I.D. (ACTIVE) NOT EXPIRED


  • Voided BUSINESS Check (VALIDATING WHERE

to deposit LOAN funds into)


  • 51% ownership of business

COMMERCIAL LOAN TYPES

BAD CREDIT BUSINESS LOANS

Bad Credit Business Loans & Financing Options for Growth We help small business owners with less than perfect credit work with alternative lenders to secure financing.

  • Funding Amount $10K – $5M
  • Funding Term 3 months – 10 years
  • Rates Starting at 2% p/mo
  • Speed 1-3 Business days

BUSINESS LOANS FOR WOMEN

Get The Best Small Business Loans For Women Entrepreneurs We take pride in finding funding for female entrepreneurs who strive to empower the small business community.

  • Funding Amount $10K – $5M
  • Funding Term 3 months – 10 years
  • Rates Starting at 9%
  • Speed 1-3 Business days

Equipment Financing

We Specialize In Business Equipment Financing We will help you sort through all available equipment financing options your business needs.

  • Loan Amount Up to $5M per piece
  • Loan Term 1 - 6 years
  • Rates Starting at 3.5%
  • Speed 3 - 10 Business days

MERCHANT CASH ADVANCE LOANS

Merchant Cash Advance Loans & Other Financing Options We work with small business owners to secure merchant cash advances from mca providers.

  • Funding Amount $5K – $1M
  • Funding Term 3-18 months
  • Rates Starting at 1.09
  • Speed 1-2 Business days

SBA BUSINESS LOANS

SBA Loans To Grow Your Small Business These low interest, longer term loans will help you expand your business and take it to new heights.

  • Funding Amount $50K – $10M
  • Funding Term 3-25 years
  • Rates Starting at 3.75%
  • Speed 3-5 weeks

BUSINESS LINE OF CREDIT

Get a Business Line of Credit To Help With Cash Flow Prepare for seasonal business expenses, bridge cash flow gaps, or cover unexpected expenses. We have a business line of credit option for you.

  • Funding Amount $1K – $450K
  • Funding Term Up to 18 months
  • Rates Starting at 1% p/mo
  • Speed 1-3 Business days

BUSINESS TERM LOANS

Business Term Loans: Fixed Payments For Long Term & Short Term Loans We help you navigate online lenders with variable and fixed-rate loan options.

  • Funding Amount 10K – $5M
  • Funding Term 3 months – 10 years
  • Rates Starting at 5%
  • Speed 1-3 Business days

INVOICE RECEIVABLES FINANCING

Accounts Receivable Factoring for Small Business Owners We help our clients with accounts receivable factoring to get working capital for their businesses.

  • Funding Amount $10K – $10M
  • Funding Term Up to 24 months
  • Rates Starting at 1% p/mo
  • Speed 1-2 Weeks

REVENUE BASED BUSINESS LOANS

Revenue-Based Financing To Grow Your Small Business Whatever the size of your company, we’ll find funding programs designed to suit you!

  • Rates Starting at 1% p/mo
  • Funding Amount $10K – $5M
  • Funding Term 3 months – 10 years
  • Speed 1-3 Business days

WORKING CAPITAL LOANS

The Best Working Capital Loans For Small Businesses Small business loans for long & short term financial working capital needs.

  • Funding Amount $10K – $5M
  • Funding Term 3 months – 10 years
  • Rates Starting at 1% p/mo
  • Speed 1-3 Business days

COMMERCIAL MORTGAGES FLEX TERM LOAN

Customize loans to meet the individual needs of each investor. Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

KEY FEATURES


  • 30-year fixed rate.
  • Loan Amounts $75,000 to $5,000,000
  • Credit Scores 650 Min
  • Prepayment Penalty 5-Year declining prepay: 5%, 4%, 3%, 2%, 1%
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.


PROPERTY TYPES


Investor 1-4 (SFR, Condo, and 2-4 Units)

Multi-Family (5+ Units)

Mixed-Use

Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

COMMERCIAL ARV Pro Loan

The best short-term solution for acquiring and improving property value. Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).

KEY FEATURES


  • Allows borrowers to finance improvements.
  • Great for borrowers who need a quick close.
  • Loan Amounts $75,000 to $5,000,000
  • Credit Score 650 Min
  • An interest-only 1-year term provides lower monthly payments.
  • A higher LTV than hard money lenders.


PROPERTY TYPES


Investor 1-4 (SFR, Condo, and 2-4 Units)

COMMERCIAL Flex I/O Loan

A short-term interest-only loan program. Designed for investors seeking short-term financing with no prepay penalties.

KEY FEATURES


  • An interest-only, 24-month term provides lower monthly payments.
  • Available for purchase or cash-out refinance.
  • Perfect for acquiring or leveraging real estate holdings.
  • Loan Amount $75,000 to $2,000,000
  • Credit Score 675 Min.
  • Prepayment Premium (ZERO - NONE)
  • A higher LTV than hard money lenders.


PROPERTY TYPES


Single Family

Condominiums

Townhomes

Small 2-4 Unit Apartments

COMMERCIAL MORTGAGE Fast 50 Loan

A low LTV loan with easy credit requirements. Our Fast50 Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

KEY FEATURES


  • Amortization 30 Years
  • Loan Amounts $75,000 to $5,000,000
  • Credit Score 650 min
  • Prepayment Penalty 5-Year declining prepay: 5%, 4%, 3%, 2%, 1%
  • Streamlined underwriting.
  • No seasoning of ownership required.
  • Improved pricing compared to our FlexTerm program.
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.



PROPERTY TYPES


Investor 1-4 (SFR, Condo, and 2-4 Units)

Multi-Family (5+ Units)

Mixed-Use

Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

COMMERCIAL MORTGAGE Foreign Investor Loan

The perfect option for foreign real estate investors. Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.

KEY FEATURES


  • LTVs of up to 65%.
  • No U.S. credit required.
  • No seasoning of funds required.
  • No other U.S. investment experience required.


PROPERTY TYPES


Investor 1-4 (SFR, Condo, and 2-4 Units)

Multi-Family (5+ Units)

Mixed-Use

Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

BENEFITS WHY US!

24 to 48 hours on merchant cash advance loans and up to 5 weeks on commercial loans.


Daily, Weekly, Bi-Weekly and monthly Payments.


NO USS FILINGS.


SOFT PULL ON CREDIT.


NO PREPAYMENT PENALTIES.


TERM LOANS FROM 3 MONTHS TO 25 Years.


Loan Amounts $5,000 up to $10,000,000

(yes 10 million dollars max).

TOP INDUSTRIES WE HAVE LENDED TO:

Medical

Veterinary

Dentists

HVAC/Plumbing

E-Commerce

Auto Body Shops

Retail

Hair & Nail Salons

Spa's

Roofers (Commercial & Residential)

Restaurants

In Home Daycare Centers

and

Many More!!


TALK WITH US TODAY WE CAN HELP.

Do you want to talk to us in Person

Select a Date and Available Time to talk on the Phone.

We would really like to help you find the lending that you need and talking about your goals trully help us to understand how to help you today.

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Available Starting times for Mon, May 29, 2023

Hi Dan Here, Please call today or email me:

ISO COMMERICIAL LOAN BROKER

CALL ME:

440-218-3728

OR

E-MAIL ME:

FAX#:

440-218-2005