Focal Point's unsecured business loans are a true loan program with terms from 6 months to 1 year.  $5,000 to $100,000 can be had in as little as 3 business days for expansion, equipment purchase, or any other business use. 

The application process is super-simple with an application which can be completed in as little as 10 minutes.  Our underwriting system looks primarily at your business's cash flow as represented in the last 6 months' bank statements.  While we do need the 2 most recent years' tax returns, this is primarily for proving the legitimacy of your business, and they are not used as a way to decline a loan.

Personal credit for the business owner can be much weaker than what a bank will allow in the current economy, and yet, these loans are typically much cheaper than credit cards!

The secret is that a very small payment is drafted from the borrower's business checking account each business day instead of having a large payment being due at the end of each month.  If a borrower gets in trouble, our loan servicers are the very first to know, and so they can take action to work with the borrower before any other creditor. 

Need credit for your business?  This is a great way to handle that challenge, since these loans are reported to Dunn & Bradstreet by the servicers.

What are the basic requirements for a loan?

1) You must own at least 80% of your business

2) You must have been in business for at least 2 years

3) You must have an average daily balance of $3,000 or more

4) Your business account must be separate from your personal account

5)  Your business should be a storefront or internet business with daily (or near daily) sales

The application is fast and free, so there is nothing to loose.  No appraisal fees, no large application fees, there simply aren't any of the barriers normally associated with a small business loan. 

Click here to see how the application process works. 

Click here to see a list of frequently asked questions.

Click here to see a list of preferred businesses.

Call today for a quick, easy, and confidential application by phone: 888.975.1912

OR...  Click here now to place your secure application through our primary loan servicer's application page:

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