About Business Funding Associates

Who Are We

Business Funding Associates is a business loan brokerage and business credit boosting company that works with several of the leading direct lenders in the country. We also provide you with the tools you need to get funded based on your EIN with no personal guarantees. 

Our Mission

We want you to be able to grow your business, and to have the working capital you need to maintain cash flow. We use personalized intelligence systems to match your business needs with the right lender who understands your business and who can get you funded at the best terms possible.

What We Do

Why Work With Us?

Personalized Service

Your business is unique to you. The same should be true for your funding options. We take the time to understand your business and the funding needs of your business before submitting any applications.

Improve Fundability

To help you get approved for traditional business financing at the best terms possible, we can help your business become fully credit-compliant by helping you implement our Business Credit Toolkit.

Build Business Credit

We can help you build your business credit, including getting vendor trade accounts, revolving credit accounts, or bank credit. We offer several trade credit options with net terms through our Tier One Business Services Program.

Boost Personal Credit

If your personal credit is keeping you from getting business credit, we have a few programs that can boost your personal credit even without using a credit repair program. 

Credit Monitoring

Once you have established business credit, we have a very affordable program that you can use to continue to monitor your business credit and be aware of any changes that take place.

Free Finance Analyzer

Business Finance Analyzer

Ask us for our free Business Finance Analyzer, the only business planning tool that will let you accurately project your business income and expenses, along with a funding analyzer.

Is This You?

If any of these items describe you or your business, then we may be able to help you. Click on each item to learn more.

If you sell retail, run a restaurant, medical practice, service business or other form of a customer-facing business, we can get you up to $1,000,000 in immediate funding based on your monthly business cash flow in less than a week. Personal credit is often not an issue.

If you are just starting up a business, and need capital for business equipment, inventory, advertising, rent, or other purposes, we may be able to get you high-limit credit lines that you can tap as needed. We also can help you get grants (free money) and micro-loans. Along with this, we can make sure that your business becomes fundable on its own, meaning it can get credit that is not tied to your personal credit.

If you are looking for up to $150,000 with no personal guarantee, then you may qualify for one of our unsecured line of credit products. You only pay on what you draw down. We also have lenders who can provide you up to $5,000,000 in conventional business funding with no personal guaranty.

If you are looking for cash to purchase, rehab and resell a property, or are looking to buy any non-owner occupied residential or business properties, we have programs that can provide you with the cash you need based on the merits of your project, and not your credit.

If your business needs any form of equipment and you don’t have the financing to buy the equipment, consider leasing it. Lease payments can be fully tax-deductible, and help maximize your business cash flow.

Many businesses get turned down for business financing for reasons that are not even related to their business or personal credit, nor time in business or monthly sales volume. Why? Because their business fails to get through automated compliance screening, and fraud flags are raised. Let us show you how to keep this from happening to your business. 

If you would like to get credit tied to your business EIN and not your personal SSN, having a high business score is critical. We have a step-by-step program that you can follow to start building your own business credit file, giving you access to high lines of business credit and funding that you do not need to personally guarantee.

If you have poor or “not great” personal credit, this can often prevent you from getting business credit (unless you have a business partner who has good/great credit). Instead of looking for a credit repair agency, consider using our service where we review your personal credit reports, and identify opportunities for you to get a quick credit boost. This can include us providing you with the appropriate letters to attempt to remove derogatory credit and hard credit inquiries.  This step alone can sometimes give you the credit score boost you need to obtain business credit.

If you are waiting for payment for products you sold to customers on a net-30 or net-60 day terms, but need cash now, we can provide you with working capital that is secured by your receivables. We can get you money in as little as 24 hours.

We can give you a free copy of the Business Finance Analyzer, the most complete business finance planning tool on the market. You can accurately project your business income and expenses over a three year period, making sure you did not overlook any needed resources or costs to produce and sell your products and/or services. You can also visualize your cash flow, letting you know how much funding you will need. The Analyzer will also factor in paying back loans, advances or lines of credit on your cash flow. This Analyzer is 100% FREE. Simply ask us for a copy.

If you are a part of the “gig economy” who makes a living driving people around, delivering food, groceries or other items to customers, and have been in business for at least three months, you may qualify to get up to $5,000, regardless of credit.

If you have money in an IRA or 401(k) from prior employers, we have two programs that can let you either borrow 50% of that money to invest in any type of business entity (with no credit check), or use as much of it as you want to purchase shares in your business corporation. 

Would You Like to Get Qualified for Business Funding?

If you would like to learn more about our programs and services, or would like to see if you qualify for any of our loan or investment products, simply give us a call. On a mobile device you can simply click on the phone number to call us. Or, click on the “Request Funding” link at the top of the page.

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