Funding Programs Overview

Funding Programs Overview
This document details what we do, how it works and the steps involved. Please review it thoroughly, and share it with your referrals.
Who is this for?
This is for new and existing business owners such as:
Real Estate
Real estate investors, contractors, property managers
eCommerce
Amazon, Shopify, TikTok, etc
Brick and Mortar
Physical retail businesses
Services
Marketing, coaching and consulting
Or virtually any other business venture you can think of. Including high risk businesses!
Program Overview
This is a done-with-you program where we show you how to acquire $100k-$500k in 0% funding, and more via other funding instruments.
Here's a breakdown of how that works:
01
Credit Assessment
We will collect your credit information (with a soft-pull, no credit risk and no credit inquiry) to do preliminary underwriting.
02
Funding Readiness
From there we will assess if you are funding ready for what you need, or if we need more documentation (such as cashflow, assets, etc), or if you need some personal or business credit optimization first. Mind you, personal credit and business credit building is part of this process.
03
Custom Funding Plan
We will then consult with you, discuss your situation and needs further and create a funding plan specific to you and your needs. We will walk you through that plan, and then begin execution of it.
White Glove Service
This is a done-with-you white glove service. Not like other 'cookie-cutter', 'spray-and-pray' done-for-you services where they just shotgun your credit to every lender imaginable and hope for the best. We don't do that. We are surgical with our execution, and optimize for best results only.
What We Do
Personally assist you with entity and bank structuring (if needed)
Personally introduce you to lenders and internal contact
Give you the exact information to use for applications
Do some applications for you
Your Involvement
So you will be very involved through the process, and very informed of every step and action taken.
We create partnerships and value long term business.
We also will not offer you lending products simply to maximize funding results. If the product does not make sense for you, the terms don't make sense for you and it won't put you in a better long term position, we don't do it. The goal here is to acquire the resources you need now, and position you for even bigger resources later. Potentially repeating this process every 6 months as needed.
In addition to that, we will help you convert credit into cash through a process called liquidation, if needed. We will also guide you through deploying these resources into cashflowing businesses and ventures at your request. This is of course what we do ourselves, leverage funding to create cashflow and repeat. That's the wealthy game. We are very familiar with it.
As much as we are your funding service, we are also your funding coach. You will learn a lot through this process making you more and more self-sufficient in the future. We're here through not only the initial process, but also into the future for your needs as well. We do not 'turn and burn' clients. We create partnerships and value long term business. We look forward to earning yours.
Benefits of Business Credit Card Stacking
Great place for everyone to start with funding
No Documents Required
No w2s, pay stubs or tax returns needed
0% Interest
For 12-18 months (which is repeatable)
Higher Limits
3x+ higher limits than personal lines
Credit Protection
Does not report to personal credit or impact personal utilization
Builds Business Credit
Establishes strong business credit profile
Reusable Resource
You only pay on what you use, and you can reuse it indefinitely
Rewards
Signup bonuses, cashback, points and miles earned through incentives (amounting to thousands of dollars in value)
Low Payments
Low monthly payments typically around 1%
Future Growth
Unlocks large business lines of credit in the future
Virtually unlimited resource when implemented properly over time
Typical first round results range from $50,000 - $250,000 on just this one product line
Common myth: you can't use credit the same as cash (at least without large fees)
This is false. You can convert your credit into hard cash through a method called liquidation. You can do this in any amount and without having to pay expensive cash advance fees. You just pay the transaction fee and that's it. You can have your credit turned into cash, and have that cash in your bank account as fast as the same day.
You can then use that as a downpayment on a property for example, showing proof of funds, paying a mortgage, or any other use case you can imagine.
Although it is possible to do this yourself, it comes with serious risks. It's best advised to use a liquidation service. We've offered liquidation services for the last 4 years and are happy to help you with your needs, just reach out and let us know.
General Requirements for Business Credit Stacking
Although this does not report to your personal credit, you will have to guarantee it (otherwise banks would go out of business, giving no risk funds to every Jo Schmo with absolutely no recourse…). This means an initial credit check will be performed and an inquiry will be received, but you can remove that inquiry immediately because it's business credit and not personal. We can assist with that.
These are not hard requirements, but for optimal results we will want to see a credit profile reflecting the following:
Credit Score
680+ FICO (700+ ideally)
Credit Age
2-4 years +
Payment History
No late payments or collections (at least in the last 7 years for collections, and 2 years for late payments)
Inquiries
Less than 9 inquiries in the last 6 months (we can help you remove these if needed)
Credit Limits
Personal credit limits of $5k-$10k+ (10k+ is optimal)
Credit Mix
A good mix of credit such as personal loans, auto loans, and other forms of lending
A credit profile like that will have you in a great position for 0% business funding.
To be clear, you are not necessarily ineligible if you do not meet the above criteria
As mentioned previously, we have virtually every lending instrument available. You will need to meet at least one of three criteria. That criteria is:
Credit
In any lending situation, some form of collateral is needed. In the case of startups, usually the only thing the lendee has is credit. So you will need to meet the credit criteria above, with your credit essentially being the collateral.
Cashflow
If you have an existing business that is positively cashflowing, that opens up more lending options. With your accounts receivable, cashflow or related being the collateral.
Collateral
Here we're talking hard assets. Property, vehicles, investment portfolios and things of that nature. That becomes your collateral, and you can typically see an LTV amount of 70% (with some variance depending on lender).
If you do not meet any of the criteria, then you will be started on credit repair (which we offer), and get you fixed up to then qualify for funding. We have a solution for everyone.
Program Pricing
DIY Course + Guidance
Paid upfront
Done With You
Backend performance fee
Why work with us?
5+ years of operational experience
1000's of clients served
Global 4.9 star rating
Full stack consulting and services firm
Dedicated on-call advisor
Risk free process
https://impruvu.io/
info@impruvu.io