TWO CHOICES FOR WORKING CAP. SBA LOAN 4 TO 8 WEEKS. NEW NON-SBA TERM LOAN MONTHLY 2 WEEKS

WHY DIRECTLINK CAPITAL CORPORATION WORKING CAP LOAN?
  • All partner companies we use have an A+ RATED with the BBB

  • We do not charge ANY upfront fees for our business lines

  • Undo your High Interest rate Working Cap Loans NOW! 

Equipment financing with terms up to 10 years

Many of our Business Financing requires no Real Estate Collateral

Top Business Finance Programs

  • Working Capital

  • Equipment Financing

  • Business Line of Credit

  • Refinance High Interest Debt

TOP FEATURES:

  • Terms up to 25 years secured and 10 years unsecured

  • Rate as low as 4.75% secured (see rate sheet)

  • Approvals 48 hours to 3 weeks for term loans

  • Fast Funding

  • Very Flexible from 640 or higher FICO Score required

  • No Tax Liens, Bankruptcies, or past due taxes allowed

Use for Equipment Purchase and 

Working Cap 30 K to 200 K

Call Shelly B (513) 403-1018 to Apply

SBA Working Cap Loan

  • RATES AS LOW AS 6% (see Check Rate)

  • DESIGNED FOR HIGHER CREDIT 

  • PURCHASE EQUIPMENT

  • WORKING CAPITAL

  • OPERATING EXPENSES

  • REFINANCE HIGH INTEREST DEBT

GO TO BROKER PAGE for sign in information and THEN CALL

(330) 502-6745 FOR VERIFICATION CODE IMMEDIATELY!

Call Shelly B at (513) 403-1018 or Keith (330) 502-6745 to apply for ALL SMARTBIZ LOANS. Please do not click on the rate links as that will not give you a representative to do your loan.

Requirements for Approval

The eligibility requirements for a DLCC SBA loan of up to $350,000 are:

  1. Time in Business: 2+ Years

  2. Business owners must be U.S. citizens or legal permanent residents

  3. Business owners must have personal credit scores above 620 up to 150 k and 675 above

  4. Cash Flow: Sufficient business and personal cash flow to service all debt payments demonstrated by tax returns and interim financial data

  5. Public Records: No bankruptcies or foreclosures in the past 3 years; no outstanding collections; no open tax liens

  6. SBA Specific Requirements: no delinquencies and/or default on government loan

The eligibility requirements for an SBA commercial real estate loan above $500,000 are:

  1. The real estate must be majority owner-occupied. This means at least 51% of the square footage of the property you’re buying or refinancing must be occupied by and used by your business.

  2. Time in Business: 2+ Years

  3. Business owners must be U.S. citizens or legal permanent residents

  4. Business owners must have personal credit scores above 675

  5. Cash Flow: Sufficient business and personal cash flow to service all debt payments demonstrated by tax returns and interim financial data

  6. Public Records: No bankruptcies or foreclosures in the past 3 years; no outstanding collections; no open tax liens

  7. SBA Specific Requirements: no delinquencies and/or default on government loans

  8. The rent replacement option requires a loan payment that does not exceed the current monthly lease expense

Documentation Needed

Personal & Business Tax Returns

DLCC requires the previous 3 years of business and personal income tax returns.

Personal Financial Statements

A Personal Financial Statement is required from each individual owning 20% or more of the company.

Profit and Loss Statement

Also known as an “Income Statement,” a Profit and Loss Statement measures a company's financial performance over a specific period of time. This statement includes all revenue and expenses over a given period.

Balance Sheet

According to the SBA, this statement provides an overall financial snapshot of your small business. As an equation, it looks like: Assets = Liabilities + Equity. The two sides of the equation must balance out to equal each other.

Collateral

Most banks require some type of collateral. At SmartBiz Loans, collateral required depends on the SBA loan size. If you apply for a SmartBiz loan of $30,000 to $350,000, a lien on business assets is required. This includes assets such as accounts receivable or inventory, as well as fixed assets such as new equipment purchased with loan proceeds or commercial real estate owned by the business. The value of these assets does not need to equal the loan amount you are requesting.

If you apply for a SmartBiz commercial real estate loan of $500,000 or more, the property you are refinancing or purchasing will be the collateral for the loan and a first lien on the real estate is required. Based on the appraised value, you must have at least 10% - 20% equity in the real estate for a refinance or put 10% - 20% down for a purchase of the real estate.

Other Documents

These can include entity and location documents such as business licenses, Articles of Incorporation, commercial leases, or franchise agreements.

DOCUMENTS MAY BE REQUESTED AFTER APPROVAL TO FUND YOUR LOAN
THESE ARE NORMALLY VERIFICATION DOCUMENTS