Business financing can be difficult to obtain or completely inaccessible for many new entrepreneurs. Unsecured business lines of credit however, can be obtained by almost any business owner.  TMI & Partners LTD. focuses on helping startup and established small business owners obtain unsecured business and personal lines of credit. The only requirement is a well-established, solid personal credit history to qualify. The owner(s) of the business (or whoever is acting as a personal guarantor for the business), must have a good credit history to qualify. Not perfect credit, but solid. That’s where we can help. We know what works and what doesn’t.
Our processing partner LenCred has been in the industry for more than 10 years and currently enjoys an A+ rating with the Better Business Bureau. They are dedicated to maximizing your experience with TMI & Partners LTD. Incorporating the “Instant Decision Platform” this soft-pull credit interface provided by Experian provides the same results as the majority of our lenders. The process is quick and you will have a pre-qualification answer within minutes. Now that the report has been pulled, the Resource Center will do an evaluation and schedule you for your consultation with a qualified credit advisor.  Our processor employs a sophisticated algorithm comprised of more than ten years of historical lender data. This intricate matrix is applied to optimize the amount and quality of credit lines approved. Once the process has been completed, the results are then reviewed by a team of industry experts and then balanced with your credit profile. We will then coach you on how to further maximize your credit line amounts and approvals! Imagine what you can do with your unsecured credit portfolio with a team of experts in the credit industry!

 

Stage 1

Requirement

  • Starting Credit Score 650-up
  • No history of Bankruptcy in the last 10 years
  • Seeking unsecured capital for their business
  • Seeking a minimum of $25k
  • A minimum age of file of 5 years
  • At least 2 individual revolving lines that are active
  • Over $5k in total revolving credit limits
  • An individual revolving line with a limit of $3k or more
  • Five or less inquiries per bureau in the last six months
  • No more than three late payments in the last two years

No more than two derogatory accounts including:

  • Unpaid Collections
  • Charge Offs
  • Foreclosures
  • Repossessions
  • Short Sales
  • Unpaid Tax Liens

 Stage 2

Please download your credit report from Credit Check Total. Once this is done, activate your $99 account and then fill out either form below.

  • Credit Background Check (Credit Check Total$1
  • $99 Buy Now
  • LenCred will conduct a reviewing process which will provide a quick pre-qualification answer within minutes.
  • LenCred in-house Resource Center will do an evaluation and schedule the client for their consultation with their financial advisor.
  • Stage 3

    Financial Road Map and Funding Plan

    This is the stage where we get to shine. There’s a reason why we have over 1,000 referral sources and partners. One of the reasons we partner with many of the top brands in business finance is because this is the stage where our knowledge, experience, and robust database of lender behavior all come together for YOUR benefit. We operate in a fiduciary manner to put together a funding plan that allows you to have the best possible chance of getting your funding goals achieved at the lowest possible cost AND in a way that helps you accomplish 2 important goals: you will be able to separate your personal and business credit and you’ll be able to protect and preserve the quality of your personal credit profile while you work with us at LenCred. Give us a call today if you want to learn more.

    Start-Up

    If you are a start-up company, this program will consist of a (6) month Business Support Program.  These services will take effect once you are approved and funds are allocated.  The goal, is to provide various support solutions and services to help each client meet their benchmarks and goals. The objective is to make money, minimize risks while gaining financial success.

    Let’s Get Started

    In Business

    Too often a business may find themselves confronted with financial challenges that can or will add multiple strains on their business. This program will not only help build their business credit, but will also help provide funding for:

        • Payroll
        • Materials
        • Equipment
        • Business Expenses
        • Insurance payment
        • Legal payment

    As an established company, this program will consist of a (3) month Business Support Program.  These services will take effect once you are approved and funds are allocated.  The goal, is to provide various support solutions and services to help each client meet their benchmarks and goals. The objective is to place your company in a position where funds will always be available to assist you when financial challenges appear.

    Let’s Get Started