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Small Business Funding Solutions

DreamSpark 401(k) rollover plan

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DreamSpark 401(k) rollover plan

Our 401(k) rollovers for business startups, the DreamSpark™ plan, allows you to use your 401(k) or other eligible retirement funds as working capital for your business or franchise—tax-deferred and penalty.

  • Access existing retirement funds to invest in a new or existing business
  • Tax-deferred and penalty free
  • Funds can be obtained in about 3 weeks
  • Can use funds as capital for down payment on an SBA loan
  • Retirement savings plan

Based on: 

  • Availability of sufficient qualified retirement plan (401K, IRA, PSP, 403(b), SEP IRA, or Gov 457(b))
  • Roth accounts are not eligible
  • Minimum $20k required

Conventional Bank Loans

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Conventional Bank Loans

An established source for your business funding, a conventional bank loan may be secured or unsecured, and has a set term, set amount borrowed and interest rate.

  • Can be used for any aspect of running a business
  • Secured or unsecured
  • Fixed business loan term and annual percentage rate

Based on: 

  • Strong personal credit
  • FICO score of 680 or higher

Equipment Funding

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Equipment Funding

Avoid costly depreciation by leasing your equipment. It offers potential tax savings and doesn’t require additional collateral.

  • Equipment leasing of $10K or more
  • No additional collateral
  • Fixed rate financing
  • Longer repayment terms

Based on: 

  • Strong business model
  • Good individual credit
  • FICO score of 650 or higher

Marketable Securities

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Marketable Securities

Use your stock portfolio as collateral for a low interest rate loan for business funding.

  • Use of stock portfolio as collateral for a loan
  • Low interest rates

Based on: 

  • Eligible investments
  • Collateral required in the form of securities

Accounts Receivable

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Accounts Receivable

Use your receivables (invoices) as a means of generating a consistent and steady cash flow.

  • Use of receivables (invoices) to generate steady cash flow without borrowing
  • Not a business loan––a buy/sell agreement between two parties
  • Can be used for any aspect of running a business

Based on: 

  • Established business
  • Good individual credit
  • FICO score of 650 or higher
  • Start-ups are not eligible

Unsecured Line of Credit

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Unsecured Line of Credit

An unsecured line of credit doesn’t require collateral, and if you have solid credit, we can help you get quick approval and business funding.

  • Unsecured personal line of credit
  • No collateral required
  • Access to line of credit when needed

Based on: 

  • Strong personal credit and no bankruptcy
  • FICO score of 680 or higher

SBA Loans

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SBA Loans

The U.S. Small Business Administration guarantees small business loans for banks, with attractive terms and lower interest rates. It’s a good option when buying an existing business or a new franchise.

  • Use for any legitimate business purpose such as working capital
  • Business funding options available from $100K to $5M
  • Longer terms/amortizations available
  • Easier credit requirements
  • Lower payments
  • No renewal fees or balloon payments

Based on: 

  • Strong personal credit
  • Industry experience
  • For profit business
  • Collateral