680+ FICO Hybrid Funding

Have you worked hard to keep your personal credit score at 680 or higher?

If your FICO score with all 3 credit bureaus is 680 or higher then you’re eligible to apply for our 680+ 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 680+ personal FICO score to leverage their credit score.

680+ 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

680+ 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 40% (pay-down loans available)
No Bankruptcies Reporting In Last 10 Years

Loan Size

Business Credit Cards: $20K – $150K
Business Line of Credit: $25K – $250K
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
Personal Term Loan: 3 – 5 Year Term

Interest Rate

Business Credit Cards: 10%+ APR
Business Line of Credit: 10% – 13% APR
Personal Term Loan: 11% – 14% APR

Payment Frequency

Monthly

Qualifications

Minimum FICO

680+

Time In Business

1 Month

Monthly Revenue

Personal Income-to-Debt Ratio Less Than 40%

Banking

Business Checking (No age minimum)

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680+ FICO Hybrid Funding

680+ FICO Hybrid Funding

680+ Hybrid Funding Program Benefits