Requirements
- Do you have a 680 Credit Score or better? If not then First CoastFinancial Matchmakers can repair your credit to the standards required for this loan. Contact them for a free assessment and strategy to get you to 680 FICO! Tell them you want to meet all requirements listed:
- Revolving balances below 60% of credit limit
- At least 3 “open” & “seasoned” credit cards
- No more than 4 inquiries per bureau within the last 90 days
- Prior bankruptcy must be over 5 years
- Collections, Judgments, Late Payments must be over 12 months
Benefits
$10,000 to $250,000 or More in Unsecured Funding
No upfront fees ever…
NO 660 SCORE? GET A Cosigner’s
Veterans and families funding programs
Simple process:
- Fill out pre-qual application below
- Receive a funding estimate in 24 hours or less.
- We send you a 1 page application and service contract
- Once we get it back expect funding in 7-10 days!
Do you like what you see? Then fill out the application below!
Frequently Asked Questions
How much money am I likely to get?
Based on the strength of your personal credit file, we can fund up to a maximum of $250,000.00 per Borrower.
Is there a minimum amount of funding available?
Our minimum amount of funding is $20,000. However you are not required to use all funding you obtain.
What is the minimum credit score required for funding?
You must have at least a 680 credit score (applicants with a 660 score will be evaluated on a case by case basis). In addition your credit profile must meet other basic qualifications.
How long is the funding process?
Typically you will start to see funding in 7-10 days after file is set up.
Will I need to pay any upfront charges?
No upfront or application fees are charged on any of our services.
How many trade lines/credit accounts should be reporting on my credit to qualify for funding?
Typically, you will need at least three open and active seasoned primary trade lines on your credit report.
Can I use a credit partner or co-signer?
Yes.
Can I still qualify for a loan with a bankruptcy?
Yes, but your bankruptcy must be at least 5 years old.
How long will my funding estimate or prequalification take?
We can typically provide you with a funding estimate the same day or within 24 hours.
Will I need income documentation?
Many of our funding programs require NO income documentation; although if you have income, we encourage you to include income documentation with your application to maximize your funding options.
Will all of my funding come in the form of cash?
Our funding comes in the form of bank lines of credit, credit cards and loans. Bank lines of credit and loans are all cash accessible, meaning cash gets deposited to your checking account. If your funding comes in the forms of credit cards, we can provide tips and guidelines on how to converting credit to cash or liquidating cards.
When will I be required to pay you?
Payment is due within 24 hours of receipt of each funded line. We will provide you with written instructions regarding payment.
What forms of payment will you accept for payment?
We collect our fee via wire, PayPal, credit card, online balance transfer, and direct deposit.
Can you do funding using only one of Equifax, Experian or TransUnion?
Yes. We prefer Equifax but can use any bureau. Typically, your credit score will need to be higher than 700 if we are relying on only one or two bureau
