One page navigation mubashar@carpediem.team March 12, 2021

MONTHLY PAYMENT LENDING PROGRAM For MCA Consolidations & Bridge loans

The Fundsolidation program was formed to help small businesses save up 75% on debt payments while preparing them for Bank eligibility and long-term success.

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For several reasons, there are thousands of small businesses that have accepted expensive, short-term ‘funds’ to address working capital needs. Soon thereafter, the strain of paying back these ‘funds’ within months left them more cash-strapped than they were before. Optimistic that earnings will outperform the cost of the short-term debt, these entrepreneurs take another round of ‘funding,’ and another, and sometimes several others. The problem is not the amount of debt they secured; it is the velocity of the payback that asphyxiates the small business.
While Fundsolidation cannot help all these small business owners, we can help those that should never have gone down the slippery slope to begin with. For those otherwise profitable businesses that have a path to legitimate institution lending, the Fundsolidation program provides entrepreneurs the bridge towards securing the right credit, at the right terms.

Why Fundsolidation?

The Fundsolidation difference: If the Business owner is creditworthy and the entity would be profitable without the anchor of their debt load, we provide monthly payment credit, at lower interest rates, extending terms- so businesses can thrive. It is not unusual for clients to save tens of thousand dollars per month from our system.
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About

Fundsolidation is the result of collaboration between entrepreneurs and
credit/finance professionals

These principals recognize how important small businesses are to the Nations’ economy-and that thousands of entrepreneurs fall into the short-term debt trap based on poor decisions due to their lack of understanding eligibility.

Our partnership with Business Credit Consultants (bccusa.com), the nationwide small business advisory, reinforces those firms accepted into the program to be eligible for bank credit at completion (external of unforeseen circumstances). Quite simply, this program exists to help otherwise profitable small business owners, their families, their employees, and those associated with them.

MCA Consolidation Program

The Fundsolidation Program is not based on monthly deposits and cash-flow like MCA ‘loans.

It is based on earnings (net the cost of capital from MCA’s), existing debt on a balance sheet, credit, and the realistic path to Bank lending. These tailored credit facilities have monthly payments with 18-month-24-month amortizations (payback terms), with anticipated ‘exit payments.

Accordingly, the due diligence documentation requests are exactly like those banks insist upon plus the original MCA contracts, with current amounts owed. Mindful of the strain small businesses are under when faced with multiple ‘positions,’ Fundsolidation will offer pre-approvals or declines within three business days of full submissions.

To ensure the best results, the program includes a consultation engagement with Business Credit Consultants (www.bccusa.com). This acclaimed nationwide advisory helps small businesses thrive by preparing them to secure monthly payment loans and credit lines with banks and much more. View their Case Studies: many speak directly to MCA ‘loan’ consolidation.

Bridge Lending Program

Helping Businesses ALMOST ready for Bank Credit

Rather than needing expensive short-term debt, the Fundsolidation ‘Bridge Lending Program’ provides cost-effective monthly payment credit to nurture these small businesses to become eligible for the right credit.

Once again, our partnership with Business Credit Consultants (BCCUSA.com) will ensure clients in this program be prepared to make the right first impression with banks upon completion. What is more: BCCUSA will make warm introductions to Relationship Bankers in their Nationwide network of Banks- that only offer monthly payment credit facilities. See their Testimonials:

Does this program speak to you and your business?

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MCA Consolidation Program Guidelines

Monthly Payment Consolidation Guidelines

  • Entities must be 2+ years in Business.
  • Facilities from $50k-$1M
  • No cash-out requirement
  • Businesses must demonstrate profitability without MCA debt.
  • Guarantor FICO score 600+
  • Files are fully underwritten with following documents needed for consideration:

Documentation needed:

  • 2 years corporate and personal tax returns
  • YTD profit and loss (within 30 days of submission)
  • Balance Sheet & Debt Schedule
  • Contracts from existing MCA positions
  • Personal Financial Statement of guarantors
  • 12 months of Corporate Bank Statements (all accounts)

Preliminary approvals or declines within 2 business days and closing (when applicable) typically within 20 business days.

Bridge Lending Guidelines

Guidelines:

  • 1 to 2-year MONTHLY payment terms with exit payments
  • Maximum Facility $200,000
  • Minimum time in Business 18 months
  • Minimum 1 filed profitable corporate tax return
  • Minimum Credit Score: 680

Documentation needed:

  • 2 years corporate and personal tax returns if applicable
  • YTD profit and loss (within 30 days of submission)
  • Balance Sheet & Debt Schedule
  • Personal Financial Statement of guarantors
  • 12 months of Corporate Bank Statements- all accounts

Bridge Lending Program

Helping Businesses ALMOST ready for Bank Credit

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