Lines of Credit - Business Loans of Any Kind & For Any Reason

Working Capital Can Be Very Easily Obtained With Our Expert Loan Assistance! 

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Act today because your great credit may qualify you for:  unsecured business loans or

lines of credit  up to $250K and more... Keep reading or apply now!

You can use these types of small  loans and Unsecured Lines of Credit for any and all of your small business expansion or working capital financing needs. From computers for your high tech website or a much needed piece of equipment for your medical practice, even a tractor for your farm!

These small business loans can be used for almost any business purpose, even to purchase seasonal inventory. Once you’ve received your funds, you’re welcome to spend them anyway that you wish ! Raising working capital isn't easy, until now.

NO COLLATERAL REQUIRED - FAST FUNDING - SAFE - SECURE - BRILLIANT NO DOC, LOW DOC & Full DOC LOANS AVAILABLE !

What if I need all of the funding from a Business Loan up front to purchase equipment?

Under these circumstances an unsecured small business loan would be just right. Othertimes we can satisfy you with a lease. This way you can either get all of the money upfront and purchase the equipment that you need, without having to put your home up as collateral or lease the equipment and get the instant write off. Remeber that these are no collateral loans. We can help you get any unsecured loan, lease and good credit lines necessary to buy that much needed piece of equipment so that you can keep making profits. That type of equipment financing can make your small business extra money. 

How about a working capital loan while waiting for receivables to hit? 

An “Unsecured” Line of Credit May be exactly what you are looking for; You may not want a working capital loan!

Think about it. When running your business, you don’t always need all of the capital in one lump sum, but you need to know that it is available and that you have easy access to your money, if & when you need it. That’s what AfsLoansOnline.com is all about, tailoring your financing needs and finding the lenders that will assimilate your needs with their financing capital. Maybe one month you need extra working capital to hire on additional employees, while you need other unsecured financing the next month to buy new office furniture or medical equipment. Why pay interest on a loan if you don’t have to. With an unsecured small business line of credit, you can pay interest only on the money that you’ve used and not the funds that are still in your account waiting to be used. We can also help you get the best terms for leasing a piece of equipment! However, if you would like an unsecured working capital loan, keep reading because you want to know about rates and terms.

What are the terms on unsecured small business loans?

That is a good, solid and smart question to ask and if you didn’t ask it, we would have second thoughts about your intelligence... J

We will help you find loans that have payback terms not in months but years to payback your loan. Unfortunately, it’s not like a mortgage where we can get you 15 or 30 year loans, but we can try for 4 -5 years to pay it back at very low interest rates (compared to financing such as credit cards). Now that is something that can help you build your enterprise successfully. And that is what we are about; helping you obtain the correct business loan & capital at your fingertips that you need to build a long term successful enterprise! While business lines of credit have no expiration so long as you keep them active. You can continue to use them as long as you want. You are in complete control!

To see if you can qualify for a great unsecured loan or unsecured lines of credit or working capital of any kind for your company at very low interest rates: Apply Here.

What is the difference between No Doc Loans, Low Doc Loans & Full Doc Loans as it relates to my request for a business loan or unsecured business loans?

The No Doc Loans still exist but are very difficult to qualify for and they do not give you as much financing as a low doc or full doc loan would. The lenders like to see documentation to back up a loan application, but if your credit history is good enough, they may give you an offer for credit with no docs at all. Usually that is for requests below $50,000.

Then there is the Low Doc Business Loans. This Unsecured Loan is usually good only up to $100,000 and the Low doc usually means your latest tax return and maybe an ageing accounts recievable report and a few months business bank account statements. When this documentaion is made available, it allows the underwriter a chance to adequately asses the risk of loaning your business up to $100,000.

Finally is the full doc Loan and this can be used for unsecured loans upwards of $250,000. This usually consists of two-three years tax returns company and personal, financial statements for the business and a personal financial statement and may also include a request for a current interum financial statement, ageing accounts receivables statement and so on.

What are the interest rates on Unsecured Lines of Credit?

The interest rate vary form loan to loan depending on which lendr you decide to go with and which lenders are best suited for your specific needs. Most companies with excelent credit can get lines starting at prime minus 1% for the first six months and the the line goes to a variable arte anywher from prime  to prime Plus. It all depends on who you go with and many other qualifying factors, but at the end of the day, the interest rates that you'll be charged will be a direct corralation to the risk the lender feels like they are taking by loaning you the financing. That;s why we try and refer you to lenders who have an acceptance for your industry. These lenders will give you a considerably lower interest rate than a lender who believes that your industry is high risk.

What are the interest rates on unsecured loans?

While we don't set the interest rates, we try to refer you to the those lenders who have shown in the past to give out the lowest rates. What we have been seeing lately for businesses are interest rates anywhere from 8.99% up to 18.99% just depending again on your credit worthiness and the lenders ability to determine the risk correctly for your industry. We usually refer you to more than one lender, so that you can compare interest ratea and accept only those that you feel are fair and reasonable given the inherent risk of your specific business model.