Help With Working Capital

I don't know how much you'd like to borrow, but a Kiva loan may be an option for you. These are online crowdsourced microloans of $1,000-$15,000. so you'll need to develop an online profile and story, but they are 0% loans for 3 years and they don't rely on a credit score. Lenders are people like you and me who loan as little as $25. When you get to the online platform, you'll have access to nearly 2 million lenders worldwide. Some communities, like southern Arizona, have Kiva Hubs, that provide assistance to borrowers throughout the application process. I don't know if your community has one, though. If not, simply go to Kiva.org to check it out. 

Generally Banks (SBA) included will not lend on a start up without substantial collateral. Beware of "hard money lenders" looking for assets. Within our financial practice we aid and assist clients buying and selling businesses. Typically those willing to sell you money are looking for assets they can attach or property they can lien. Always be careful with these types of folks. Others will attempt to lend you money on credit card financing at interest rates that are in the 20% + range.  Without substantial time in business along with a business track record it is very difficult to get a loan on working capital.  You would need to have several years of tax records, consistent business income and a proven track record of profitability.  We structure sales and mergers of businesses and people assume they can run out to a bank and borrow the money to buy a business, unfortunately, unless you have something the lender can take if you fail there is not much to lend on.  Many business people who "fall into" a business either with luck, something left to them, or starting as a hobby rarely run the business like a business and more like a cash register. Failing to properly structure the business i.e. C Corp, S Corp, LLC etc and take payroll as opposed to just taking money out of the register.  Payroll is an indicator of an actual business and then you can value the business based on owner interest and income. Hope that helps.

Hey, Ready for more capital? We can help, We offer all gov't programs & more. Reply with best email for consideration. Paul w/ Globelend

I would be happy to see if I could do anything. I can't make any promises on this one. Credit score is not an issue. I need more details. [email address] 

Very Sad :(

My name is Wanda   I work with a Company that does all kinds of Capital Loans.   you can check out my web sight and if you have any questions let me know      DavidAllenCapital.com/102379145

Make sure you look up people you work for. You can access public records for anyone with a license. These industries are highly regulated so all complaints are publicly accessible. You want to work with a fiduciary, which means they are legally responsible to work in your best interest instead of their own.

Try a small community or neighborhood bank, small business development centers or fintech companies where lending guidelines are less stringent.  Call me if u need clarification.. xxx.xxx.xxxx 

I would suggest getting help to increase your credit score first.  It's just overall beneficial in the long run. I have those services available and also others that will improve your overall financial portfolio.  Message me if interested.