Eduardo Ramirez - eRamirez.com

MLO NMLS #1086161 California and Minnesota - Approved-Inactive

Guitars - Financing - Recruiting - Credit Data - Business Loans - Point of Sale Systems - Invoice Factoring 

Business Loans - Up To $200K in Unsecured Business Capital


We offer business loans to established and start-ups enterprises through a financial network of over a hundred national , regional, and local lenders, which makes it possible to offer greater solution mix, most capital, at lowest interest rates, as quickly as possible.  


If you need to advertise, expand, invest, lease equipment, purchase real estate, etc. We can help!

Business owners! Stop using your personal credit.  Investors! Stop relying on hard money!


Simple as 1, 2, 3


  1. View video, complete a Pre-qualification form and obtain credit report in PDF format. We'll provide instructions.  Contact us before you do this. Please note: We are not affiliated to this credit reporting service. Your cost is only $1.00 if you cancel subscription within 7 days. Otherwise, you will be charged $29/M as long as you keep your subscription active. 
  2. Submit your Pre-qualification form along with your credit report. We will provide the website where you'll be able to upload both files.  A consultant will analyze your business, and based on your Credit Score, pre-qualify you for up to $250,000 in UNSECURED capital.
  3. Loan is funded in as little as 15 days.  The assigned analyst will work with you to complete the application process, keep you updated, and will help you resolve any approval conditions from the lender. 


Matching Criteria

We'll match you based on your business profile: Business industry, location (home based, commercial), personal credit history, geographic location, N.A.I.C.S./S.I.C. code, Years in business, business credit profile, debt/credit ratio, revenue/expenses, and other factors.


General Requirements for Working Capital

  • Good Personal Credit + 2 year Seasoned Business with EIN# = Up to $250,000 in business credit


General Requirements for Start-Up


  • Good Personal Credit + Corporate Entity with EIN# = Up to $75,000 in business credit​
     

Program Highlights as of 1/7/2017 - Subject to Change!


  • Low Interest Rates: As low as 8.99%.  0% interest rates for the first 6-12 month!

  • Unsecured - NO COLLATERAL. No need to leverage your assets to get capital!

  • Stated Income - NO DOCS REQUIRED - Simple two page application. NO income verification!

  • UNLIMITED USE - Same as CASH. Use it anyway you want.

  • No Upfront Fees!  Application process is free of charge. We are paid based on results.  We charge 10% success fee based on the principal balance of funding received by our clients.

  • Lines will not be reported to personal credit bureaus - Drawing will not affect your debt to credit ratio, thereby sheltering your personal credit for personal necessities (auto loans, mortgages, student loans, personal credit cards).  Lenders will only report defaults to the personal credit bureaus.​


Guitars - Financing - Recruiting - Project Management