QUALIFICATION CRITERIA:

• 4 months of Operation 
• Minimum average of $10,000 in credit card processing volume in a business bank account

DOCUMENTS REQUIRED TO APPROVE:

• Signed GoKapital Application
• 4 months of business bank statements (all pages)
• 4 month of merchant processing statement

CHARACTERISTICS:

• Payments are a daily % of credit card sales
• Approvals up to 150% of average monthly deposits
• Funds from $10,000 to $1,000,000 available
• Rates of $.10 to $.45 for every $1 borrowed
• No pre-payment penalties

BENEFITS:

• 24 Hours Approvals and Same Day Funding
• No credit score minimum
• No collateral required 
• Early payment discounts (in some cases)
• Available in all 50 States, Canada, and Puerto Rico

DOCUMENTS NEEDED TO FUND:

1. Copy of Driver’s License and Voided Check
2. Proof of Business Ownership (Can be Schedule K1/C/G from Business Tax Returns
3. Business License, if applicable (for example, a restaurant or medical practice)
4. Business Tax Returns and/or financial statements if loan above $75,000
5. Copy of Lease Agreement or Landlord Contact lnformation

Qualification Criteria:

• 4 months of Operation
• Minimum average of $10,000 in business bank deposits
  (no credit card processing required)
• Less than 7 days with negative balances per month on bank statements

 Characteristics:

• Payments are debited daily (M-F) or weekly
• Approvals up to 150% of average monthly deposits
• Funds from $10,000 to $1,000,000 available
• Rates of $.10 to $.45 for every $1 borrowed
• Terms from 3-24 months
• No pre-payment penalties

Documents Required to Approve:

• Signed GoKapital Application
• 4 months of business bank statements (all pages)

Benefits:

• 24 Hours Approvals and Same Day Funding
• No credit score minimum
• No collateral required
• Early payment discounts (in some cases)
• Available in all 50 States, Canada, and Puerto Rico

Documents Needed To Fund 

• Copy of Driver’s License and Voided Check
• Proof of Business Ownership (Can be Schedule K1/C/G from Business Tax Returns
• Business License, if applicable (for example, a restaurant or medical practice)
• Business Tax Returns and/or financia! statements if loan above$75,000
• Copy of Lease Agreement or Landlord Contact lnformation

Minimum Qualification Criteria:

• Outstanding Monthly Account Receivables of $50k+ (invoices paid in 30,45,60,90 days)
• Invoices must be from businesses or gov (not consumers)
• Invoices must be for goods/services already provided (proposed/future invoices are not accepted)
• Business must have continuous commercial relationship with clients that are issued invoices

 Characteristics:

• $25,000 to $5,000,000 in financing available
• Advance Rates of 70%-90% if Invoice Amount
• No Minimum Credit Score Required
• Ideal Industries: Constructon/Contractors, Trucking and, Transportation, Distributors/Wholesalers, Staffing, IT

Documents Required to Approve:

• Signed GoKapital Factoring Application
• AR and AP Aging Report
• List of business customers
• If $250k+, Business Tax Returns/Financials

Benefits:

• Fast Approvals and Funding in 24-48 hours
• No Debt Incurred (Factoring is not a loan)
• No Personal Guarantee or Collateral Required
• Quicker and easier than a bank loan
• Available in all 50 States

MINIMUM QUALIFICATION CRITERIA:

• 2 Years in Business 
• 660 Credit Score 
• $150,000 in Gross Annual Revenue
• Business Tax Return must be profitable (showing at least 20% of net income relative to gross revenue)
• No bankruptcies in last 7 years & No Sole proprietorships
• Restricted industries: Construction & Transportation

CHARACTERISTICS:

• Terms from 1 to 5 years, with monthly payments
• Approval amount from 10%-30% of annual gross revenue
• Funds from $25,000 to $500,000 available
• Rates of 6% to 27%
• No pre-payment penalty

DOCUMENTS REQUIRED TO APPROVE:

• Signed Application
• 6 months of bank statements
• 2 Years of Business Returns
• 1 Year of Personal Tax Returns
• lf Loan request above $150,000
  • Year-to-date financial statements (Profit & Loss Statement and Balance Sheet)

BENEFITS:

• Low rates and monthly payments
• No Collateral Required
• Faster than a bank loan (1-2 week process)
• Available in all 50 States

Qualification Criteria:

• 6 months of Operation
• Minimum average of $10,000 in business revenue
• Minimum credit of 550

 Characteristics:

• Monthly payments
• Approvals up to 150% of average monthly deposits
• Funds from $10,000 to $1,000,000 available
• Rates of 9%-35%
• Terms from 1-5 years

Documents Required to Approve:

• Signed Application
• 4 months of business bank statements (all pages)
• Copy of invoice with equipment infomation

Benefits:

• 24 Hours Approvals 
• Interest may be tax deductible
• Quicker and easier than a bank
• Available in all 50 States, Canada, and Puerto Rico

Qualification Criteria:

• Must have at least 30%-40% of down payment of Purchase Price
• Sufficient monthly revenue to cover loan payment
• Minimum credit of 550+

 Characteristics:

• Terms from 5 to 30 years
• LTV approvals up to 70%
• Funds from $50,000 to $50,000,000 available
• Rates of 7% to 14%
• All property types eligible: retail, office warehouse, duplex, multi-unit, mixed-use, etc.

Documents Required to Approve:

• Signed Application
• Purchase Agreement
• 6 months of business bank statements (business or personal)
• 2 years of Business and/or Personal Tax Returns
• Copy of Recent Credit Report (CreditKarma.com is free)
• Rent Roll (if property has tenants paying rent)

Benefits:

• Faster and more flexible than a bank loan
• Approvals in 3-5 business days
• Closing in 2-3 weeks
• Losses on tax retun and bad credit are not an issue
• Available in all 50 States

Qualification Criteria:

• Property must be held under LLC or Corp
• Property must be owned free-and-clear
• No minimum credit score requirement
• Foreign nationals also qualify

 Characteristics:

• LTV up to 80% available
• Terms from 6 to 24 months
• Funds from $50,000 to $50,000,000 available
• Interest-only payments

Documents Required to Approve:

• Signed 1003 Application
• 4 months of business bank statements (business or personal)
• 1 years of Business and/or Personal Tax Returns
• Copy of Recent Credit Report (if available)
• Rent Roll (if property has tenants paying rent)
• Current Appraisal

Benefits:

• Faster and more flexible than a bank loan
• Approvals in 1-2 business days
• Closing in 2-3 weeks
• Minimal documentation and low credit not a problem
• Available in all 50 States