Cash Flow Loan

Business Loan Killed Just Before Closing?: Video

Our Business Loan was Killed just before Closing!


We keep your loan from being killed just before closing and funding!  No more last minute turndowns for low or negative balances, low month to date deposits, overdrafts, background problems and defaults.  We stop it all for customers and brokers.

Watch: Denied and died just before being closed, above! Apply below now or call 919-771-4177. 

Call 919-771-4177 for more info.

How did your Loan die right before closing?

Killed for low month to date deposits.   Your account did not have have enough revenue since the beginning of last month.

Most applicants provide the most recent (3) months statements and not the current month.

Killed because your current balance was too low.    Your balance must be 2 to 3 times the payment amount.

Negative account balance (Overdrawn).   An overdrawn account is a reason for a last minute decline for most business loans.

Killed at the last minute for personal Background history. Your personal history has either a Felony, Misdemeanor, drug charges, or other convictions.

Died after the Decisionlogic bank verification.  There was some problem with the account.

Previous defaults.   Your business has an old default and it was discovered during the final check before completion.

New recent funding since the beginning of last month.  Your company just borrowed before now trying to close out the current request.

This is in the last 30 days or during the current month.

What are the top closing stipulations? Watch the 14 top closing stipulations for business loans Video!

How do WE save your Commercial Loan?

  • We ask you the RIGHT questions before funding.
  • We prepare you for closing.
  • Instruct you on what to fix.
  • Any other challenges?  We will solve those too! 

How do you win?

  • Get funding instead of a shock at the last minute.

Apply above so you can get fixes and expert guidance to help you get results immediately!


In summary, your deal died in final underwriting because no one was looking out for you.

There is much more than credit, start time and recent monthly deposits to getting an approval, and funding.

Start now!

Show Video Transcript Details

killed just before closing

[ swords clanking ] Did your business ever fight to get A Business Loan or MCA, And then, right before closing, get Killed in final underwriting? Apply with us instead. [ race car engines ] We’ll get your Loan past the finish line, and Funded.[ cash rustling ] From low current month deposits, low bank balances,[ police siren ] Background problems and more,[ desert wind ]We’ll get you back up [ water splashes ] And on to Smooth Sailing and Funding. [ water bubbles ]Low Credit Scores OK. Find out how much Money you can get TODAY. Apply at, Or Call: 919-771-4177.

Cash Flow Loan

Hispanic Business Loans Made Easy

Choose from several hispanic business loan options .  Flexible choices including easy application and personal assistance during the entire process.   Lengths are between 3 months and 10 years.  Approval is available for almost all industries.  Low credit scores, tax liens and new business can also be approved.


Data Secure 15 Second Request Form.

Call 919-771-4177 for more info.

$5,000 to $250,000.  Fast and easy process.   Just a 1 page application.   Minimal paperwork and also bad Credit is Accepted. Tax liens can be accepted.

These business owners whose main language is not English often have difficulty getting working capital loans.   This also includes foreign nationals who are often not familiar with the loan process in the United States.    We provide extra assistance to these companies.   Many do not speak English and need further assistance.

business loan for the hispanic community

Programs for getting equipment, adding new employees and money for materials.

FAQ Frequently asked questions:

What is provided for  hispanic business loans? 
You submit the same information.   A one page application and the most recent 3 months business checking account statements.

Can I get a loan in my personal name? 
No. The application must be in the business name.

Can we get longer terms?   Yes.   The business can get a short term loan.   This would be 3 to 6 months.   Over 24 months is available.

Other resources:

Another source of information on minority loans is the SBA

Cash Flow Loan

Start Up Business Loans for: ALL Businesses

What qualifies as a start up business loan?

A business that has started operations and as much as 2 years time in business. Options for all new businesses include low credit scores,  low revenues, collateral based and asset based options.   

But some businesses are brand new and just started having sales.
Find out below which start up option your business qualifies for.    Apply below now to get your best option.


Call 919-771-4177 for more info.

Data Secure 15 Second Request Form Here.

How to qualify

Your time in business is the date on your business license.  For Corporations, it is the Incorporation date listed with the Secretary of State.   The state will not recognize the starting date of the business until you register with the state.  So register your business as soon as possible because it will make sure your business will has the time in business needed to qualify.

Frequently asked Questions FAQ – How to get a start up business loan

How can I get financing to start a business?
Get a start up business loan through these programs that specialize in new businesses. Several options
are available for both limited funds and damaged credit situations.
Do banks give loans to start a business?
Banks rarely give loans to start a business. They ask for several years of tax returns and financial statements. Revenues must be steady or increasing each year and the business needs to be an industry they prefer.
Where can I get a start up business loan?
Alternative lenders provide start up loans rather than banks. Approvals for start ups are based most heavily on the sales of the business. Collateral and credit can make the difference also. Start up money will be difficult if the business has not yet opened or had sales.
How can I get a business loan with no money?
Business loans with no money down are available when your business has sales. Other options are offering collateral to get
Can I get the business loan in my personal name?
Business loans must be in a business name, not in your personal name. First get a business license for a sole proprietorship, or articles of incorporation for corporations. Open a business checking account with a financial institution.
Get business information, including information on start ups at Planet Money

Cash Flow Loan

Medical Practice Loan

Medical Practice Loan

What types of medical practice loans are there?

Any type of financing a medical practice obtains to either establish or grow the practice.  Get practice practice financing based the sales of the practice or on equity in business assets such as accounts receivables or real estate. Fast closings.     Chiropractor practice business loans are included.


Call 919-771-4177 for more info.

How to get a medical practice loan:

Find lenders online that specialize in medical practice loans.   Evaluate the program features and benefits including how long the process takes and time to funding.

Medical practices that have been operating for one year or longer will get higher approval amounts and better terms.  Approvals are available with as little as 3 months time of operation.

Match your practice to the loan programs available.   Go with the one that best matches your medical practice characteristics.    For larger practice loans over $100000 quick funding in 1 or 2 days is still available.

Match your practice to the programs available.

Contact matching lenders to review loan options and requirements.  Talk with a representative about your specific medical practice loan qualifications and needs.

Call and talk with representatives of practice loan programs you feel are the best match. Discuss approval chances with the representatives.

Submit an application.  Try to provide any documents that show the strength of your medical practice.  This can include the most recent bank statements as well as interim financial statements and tax returns.   Other strengths include a profit and loss statement and personal financial statement.  If your practice has this documentation and it makes your practice look stronger then you will want to provide these items even if you are not required to do so.

Submit an application. Provide any documentation that makes your practice look stronger even if it is not required.

Look over any approval offer including conditions and closing requirements.  Provide items required for closing and funding.  Complete the transaction and receive funding into your practice account.

A significant tax savings will can be realized in this medical practice loan against equipment, by being arranged in part as a lease.   This allows for a significant tax savings over a traditional loan.    The borrower obtains working capital for their business via the equity in their equipment as opposed to having full ownership in their equipment.


Same day and next day funding.
Minimal paperwork and fast closing
Processing time is one to three days.   After approval, time for funding is approximately one to three days.  If more funding is needed,  additional funding can be arranged with additional funding “parts” or “segments”.    Total funding that can be obtained is typically in the $150,000 to $250,000 range.

Due to constant advances in the medical field, medical equipment equipment depreciates quickly.    Many types of medical equipment becomes totally obsolete in a short amount of time.   However, Small Business Loans Depot can utilize medical equipment that has undergone full depreciation and is several years old.
How to get a medical practice loan. Fast and easy loans for medical practices. Same day or next day funding for many practices. Minimal paperwork and fast closing. Medical practice types include hospitals and urgent care facilities as well as pediatric practices and home health care facilities. The most recent tax return and interim financials may not be required in many cases

Flexible medical practice loan options

Other programs

Gross sales cash flow loan –  This financing product may be very desirable for medical practices as it is based on the gross sales and cash flow of the practice.  Medical practices often have significant cash flow, so this product can provide significant working capital to the practice.

This medical practice loan product is used, in effect as a line of credit.   The practice provides the most recent 3 months business checking account statements and a one page application.    The average daily collected balance, the amount and number of deposits per month, beginning balances, and ending balances are reviewed in order to determine the approved amount.

The customer sends in the 3 months business checking account statements and one page application.   Upon approval, the customer is e-mailed documents.   The customer completes the documents and faxes them back in.   A final landlord check and verbal verification is completed.    Funds are wired into the customer’s account within 1-3 business days.

Repayment terms on this medical practice loan range from 3 to 18 months.     Once the customer satisfactorily repays the line, the line size is increased.   The customer is not obligated to use the available line.   They can reuse the line immediately or leave it idle for any amount of time.

In most cases, financials and bank statements are not required.   However, if the customer’s financials or bank Statements are strong, the customer can opt to provide to strengthen their application.   If the customer has a strong credit bureau score of over 700 or over 725, financials may not be requested.

Although there is a certain dollar amount above which financials are requested for this form of financing, there is often some discretion used by the lender.   If the customer has a credit score of 750, then the lender may consider an extra $10K or $20K without requesting financials for a medical practice loan compared to a customer with a 675 credit score.

The lender has guidelines that they follow but they do have the authority to stray from the guidelines to a degree if they can justify it.

The following video provides an overview of the medical practice loan program as well, including features and benefits.

FAQ Frequently asked medical practice loan questions

We need a medical practice loan immediately. How fast can we get approved and close?
Approvals can be obtained as fast as 2 or 3 hours. After approval if completed closing documents are returned immediately then funding can be as fast as the same day or next day.

What is the maximum loan amount our practice can get?

The maximum is determined by the cash flow and revenues of the practice and also the time in business and credit. Bank balances and the assets of the practice can also be important in approval and terms.
What are the requirements for a medical practice loan?
The requirements for a medical practice loan are a minimum of three months time in business and revenues over $10000 per month. Other requirements include having enough cash flow to make the payment. The repayment may be monthly or weekly or daily. The revenues as well as expenses and net income may be looked at to make sure the practice can afford any payment required. After expenses the practice needs to have enough cash flow to show that the payment can be made.
Can we get funding the same day or next day?
Same day funding is possible if you apply early in the day and immediately provide any information required. Documents should be completed and returned immediately including any closing requirements.
Our practice needs to constantly borrow and really needs a line of credit. Can we get a line of credit?
If your medical practice needs to borrow a lot for different things then a line of credit or similar type of line will work best. Many of these borrowing products allow you to borrow then repay before you have repaid the full amount. Your medical practice can borrow again after repaying between 50% and 75% of the original balance. For some borrowing options your medical practice can borrow after every month of repayment.
What do we need to provide to close the loan?
Closing requirements are usually items such as proof of ownership of the practice or business. Proof of ownership is a copy of a business license or articles of incorporation. The Physicians license with the state the practice operates in may also be required. Other closing items may be landlord contact information, a copy of a voided business check and drivers license.

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