700+ FICO Hybrid Funding

700+ FICO Hybrid Funding

Have you worked hard to keep your personal credit score at 700 or higher?
If your FICO score with all 3 credit bureaus is 700 or higher then you’re eligible to apply for our 700+ FICO Hybrid Funding.
Get up to $500,000.00 (or more) in a combination of 0% introductory rate business credit cards, business lines of credit, and low-rate bank and credit union personal term loans, that you can use for your business’s launch or growth (with no restrictions on the use of funds).
This Hybrid Funding Program has become a popular method of business owners having a 700+ personal FICO score to leverage their credit score.
700+ Hybrid Funding Program Benefits
  • To $500,000 Per Credit Line (multiple lines may be available)
  • 0% Introductory Rates Up to 21 Months!
  • No Collateral Required
  • Start Up Businesses OK!
  • Never Any Upfront Costs to Apply
  • Pay Interest Only On Funds You Use
  • No Income Documentation Required

Requirements To Apply

  • 700+ Credit Score with All 3 Credit Bureaus 
  • At Least 5 Years of Credit History On All 3 Bureaus
  • Total Amount of Revolving Credit Lines Exceeds $10,000 
  • Minimum of 1 Installment Loan With At Least 2 Year History 
  • Debt to Income Ratio of Less Than 40%
  • No More Than 8 Inquiries Per Bureau In the Last Year
  • No Late Payments / Derogatory Credit Marks Within 6 Months 
  • Maximum Credit Utilization of 30%  (pay-down loans available)
  • No Bankruptcies Reporting In Last 10 Years 
Loan Size

Business Credit Cards: $25K – $150K
Business Line of Credit: $25K – $500K
Business Term Loan: $50K – $500K
Personal Term Loan: $25K – $250K

Term Length

Business Credit Cards: 0% Introductory Rates Up to 21 Months
Business Line of Credit: Interest Only Payments Up to 12 Months
Business Term Loan: 3 – 5 Year Term
Personal Term Loan: 3 – 5 Year Term

Interest Rate

Business Credit Cards: 0%+ APR
Business Line of Credit: 8.5%+ APR
Business Term Loan: 8.5%+ APR
Personal Term Loan: 8.5%+ APR

Payment Frequency



Minimum FICO


Time In Business

1 Month

Monthly Revenue

Personal Income-to-Debt Ratio Less Than 40%


Business Checking (No age minimum)