• Email: info@capitalcityfunding.biz
  • Tel: 614-948-7168
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Capital CIty funding

Business Funding

Term Loan

Similar to traditional bank style financing. A Term Loan is a set amount that a borrower pays back at a fixed amount. The common uses for these types of loans are business expansion, working capital and equipment purchases.

Benefits of a Term loan

  • Interest on loan is tax deductible
  • No prepayment penalties
  • Lower cost options
  • Stable daily, weekly monthly payments
  • Reported to the credit bureaus which can improve credit
  • Flexible options

Qualifications

  • 3+ Months Time in Business
  • $10,000 Annual Gross Sales
  • No Minimum FICO
  • Loan Amounts: $10,000 - $5 Million
  • Terms: 6 Months - 10 Years
  • Funding: 1-3 Days
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SBA LOAN

An SBA loan is a government backed loan that can be used for starting or expanding a business. The loan has certain requirements for eligibility, such as size standards, providing the ability to repay and a solid business purpose.

BENEFITS OF A SBA LOAN

  • Fixed and variable options
  • Monthly payments
  • Terms up to 25 years
  • Prime rates
  • Government backed

Qualifications

  • $120,000 Gross Annual Sales
  • 3 Years Time in Business
  • No Loss on Previous 2 Years Tax Returns
  • Financials Required
  • Loan Amounts: Up to $5 Million
  • Terms: Up to 25 Years
  • Funding: 90-120 Days
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BUSINESS LINE OF CREDIT

A business line of credit provides flexibility for the business owner. Rather than a fixed amount issued at one time, funds can be accessed as needs arise. Funds are made available again, as the balance is paid down.

BENEFITS OF A BUSINESS LINE OF CREDIT

  • Only pay interest on the funds drawn
  • Credit available as needed
  • Draw as many time as you need
  • Fast Approvals

Qualifications

  • 6 Months Time in Business
  • $120,000 in Annual Gross Sales
  • 600 FICO
  • Loan Amounts: $10,000 - $5 Million
  • Terms: 6 Months - 10 Years
  • Funding: 1-3 Days
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BUSINESS CREDIT CARD PROGRAM

  • 0% Interest for 6-12 months
  • No minimum length of time in business
  • Stated income
  • No upfront fees
  • Reports only to the business
  • 680+ personal credit scores in all 3 bureaus (co-signed accepted)
  • Must have business entity

REQUIREMENTS

  • 680+ Personal Credit Scores on all 3 bureaus - Established Business Entity
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FDIC

FDIC BANK TERM LOAN AND LINE OF CREDIT PROGRAM:

  • Rates range from 8.9% - 12.6% APR
  • 660+ Minimum FICO Required (all 3 bureaus)
  • 2-Year Minimum Time in Business (no exceptions)
  • $250k Annual Revenues
  • Home-based businesses are fine
  • Good in 21 states (see the list)
  • Funds in ~15 - 20 business days

Industries

  • All Good EXCEPT 🚫No Cannabis Related and 🚫No Trucking ​MUST be in one of the following states: CT, DE, FL, KY, LA, MD, MA, NH, NJ, NY, NC, OH, OK, PA, RI, SC, TN, TX, VT, VA, DC.
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We Are Small Business

We have come to understand that business owners across the country simply needed a better way to fund their business. Capital City Funding was created to support growing businesses. Our relationship will grow as your business grows.

Together we can achieve great things and we hope you will give us the opportunity to earn your business

Please fill out the contact form below and an advisor will reach out to you for a free 1-on-1 consultation about your business needs & goals!

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  • 1581 N.High St. Columbus Ohio 43201
  • info@capitalcityfunding.biz
  • 614-948-7168

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