Additional Services

Unsecured Business Funding (UBF), is one of Trio Capitals most popular loan options. It’s the easiest to qualify for and is often the first step in obtaining and building business credit. UBF does not require proof of income, making it the perfect choice for start-ups. No industry restrictions can be used for GAP funding for some real estate transactions.

Requirements:

  • 680 Credit Score
  • No proof of income required
  • No more than 5 new accounts opened in the past 24 months
  • No late payments in past 12 months
  • 4 or fewer inquiries in past 6 months
  • No bankruptcy in past 10 years
  • 2+ year old credit card with a limit of at least $2500
  • Free of unpaid collections or charge-offs

Funding Limit: $150,000

Funding Form: Business/Personal Credit Cards

Funding Timeline: 4 Weeks

Rate: 0% interest for the first 12-24 months. After that interest varies based upon credit profile

Fee: 9.9% Success Fee

This is the sister program to UBF however with lesser requirements. This is perfect for the client that is just 
beginning to build their credit profile.

Requirements:

  • Minimum 670 Credit Score
  • No provable income required
  • Credit card limit minimum of $500 OR $3,000 authorized user
  • No bankruptcies within the last 5 years

Funding Amount: $10,000-25,000+

Funding Form: Personal Credit Cards

Funding Timeline: Less Than 2 Weeks

Rate: 0% interest for 12-24 months. After that interest 
varies based upon credit profile

Fee: 9.9% Success Fee (unless funding is under $5,000)

This is the best of both worlds..business credit with personal term loans stacked on top!
No industry restrictions, can be used for GAP funding for some real estate transactions.

 

Requirements:

  • 680 Credit Score
  • No proof of income required for biz credit, to stack personal term loans does require income verification
  • No more than 5 new accounts opened in the past 24 months
  • No late payments in past 12 months
  • 4 or fewer inquiries in past 6 months
  • No bankruptcy in past 10 years
  • 2+ year old credit card with a limit of at least $2500
  • Free of unpaid collections or charge-offs

Funding Amount: $250K +

Funding Form: Credit Cards/Term loans

Funding Timeline: 2-4 Weeks

Rate: 0% interest for 12-24 months on the business credit. On personal term loans 5.25+

Fee: 9.9% Success Fee

This program is ideal for real estate investors that want fast funding with minimal documentation enabling them to purchase properties with no money down. It is a great option for someone with strong credit and a steady income. No industry restrictions, can be used for GAP funding for some real estate transactions.

Requirements:

  • Minimum 680+ Credit Score
  • Minimum 40k/Year W2/1099 income
  • No bankruptcies within the last 5 years

Funding Amount:  $300,000 (individual) $500,000 (Household)

Funding Form: Term loans and lines of credit

Funding Timeline: 2 Weeks

Rate & Terms: 6% to 12% with 3,5,7 or 10 year terms

Fee: 10-15% Success Fee (based upon deal)

Similar to traditional bank style financing, a Term Loan is a set amount that the borrower pays back at a 
fixed amount. Commonly used for: business expansion, working capital, and equipment purchases.

Requirements:

  • Minimum income of $255,000/month
  • Minimum of 2 years in business
  • Minimum FICO 660
  • No Bankruptcy in past 3 years

Funding Range: $10,000 - $5,000,000

Funding Timeline: 3+Days

Rate & Terms: Determined case-by-case. 1 to 2 year terms

Fee: Determined based on deal

A Business Line of Credit (LOC) provides flexibility for the business owner. Rather than a fixed amount 
issued at once, funds can be accessed when needed. Funds are made available as soon as any previous 
balance is paid.

Requirements:

  • $ 15-25K+  monthly gross sales or $ 240,000+ annual gross sales
  • At least 1 year in business
  • 600 min FICO
  • Clients typically qualify for 1-1.5X monthly gross

Funding Range: up to $250,000 

Funding Form: Line of Credit

Funding Timeline: 3+ Days

Rate & Terms: Varies upon credit profile

Fee: Determined based on deal

Businesses utilize Equipment Funding to purchase equipment through leasing or financing—ultimately 
freeing up working capital. Term loan is available for down payments.

Requirements:

  • $15,000+ monthly gross sales or $180,000+ annual gross sales
  • For trucking with 0% down:
    • 650 credit score
    • CDL for 2 years
    • mortgage to show payment history

Funding Range: $10,000 - $5,000,000

Funding Timeline: 2 to 5 Days

Rate & Terms: Varies upon credit profile. 1 to 5 year terms

Fee: Determined based on deal

A Merchant Cash Advance is an advance that is paid back by withdrawing a percentage of your credit 
sales—typically on a daily basis. Ideal for a business owner with bad credit but good revenue.

Requirements:

  • $25,000+ monthly income
  • At least 1 year in business
  • W2 or 1099

Funding Range: up to $5,000,000 

Funding Timeline: Same day funding 

Rate: Varies upon credit profile

Fee: Determined based on deal

Terms: 6-24 month

Can be refinanced after 3 months into better rates and terms!!

Requirements:

  • Minimum 640 Credit Score
  • 20-25% down payment(we can assist w/GAP funding)
  • Commercial only- we are unable to fund primary residence

Funding Range: We can fund the small deals (under 100K) up to ?? no limit

Funding Timeline: 3 days to several months on large projects

Rate: Depends upon credit score and experience

Fee: Determined based on deal

Deals We Fund:  buy & hold, fix & flip, multi-family, single family, commercial, bare land, ground up construction, and developments.

Discover Rental Loan Products

Rental Loan Products

Work With Trio Capital a Nationwide Lender

At Trio Capital, we are adept at sourcing potential customers, identifying their financial needs and goals, and establishing relationships as long-term customers. Contact Trio Capital today and we will identify the best product for you.

Follow Us on Instagram