Cre8ive Capital

sinesses. Cre8ive Capital LLC offers some of the best small business funding available. Use our experience and syndicated network to get the business capital you need today. SBA Loans - We’ve helped more small business owners like to secure SBA loans. The gold standard in business lending; Variable interest rates, longest terms, and lowest monthly payments. Loans up to $500,000. Line of Credit - - Capital for brand new businesses (beginner). We help less established business owners get up to $250,000 in revolving credit lines even if they are a brand new business or have no sales yet. We provide a money back guarantee to obtain the best and most funding your clients qualify for. We'll even help them get multiple types of funding to ensure they get the most capital to grow their business and purchase your products, programs, coaching, etc. Real Estate Funding - There are a few different ways that a client can get funding for real estate depending on what they would like to do with the property. Those options include

Fix and Flip funding

a. The goal of fix and flip funding is to provide a borrower with enough capital to purchase the
property and also fix and repair the property in order to increase the property value. These funding
options are typically shorter term. Also depending on the borrower these options can also be made to
be of interest only this provides a borrower with enough time to flip or sell the property. Long term purchases

b. A long term property loan is good for any purchase where the loan or property is needed to be held for more than 2 years. These loans are best for a buy and hold strategy for single or multi family properties but also for short term rental properties as well. A refinance can include both a single property or multiple different properties located in different
places. This option works great for real estate investors that have more than one property and are
looking to make some quick investments in new properties or get additional capital to do repairs or
renovations. Church Funding - We have an unwavering commitment to providing fantastic church loan and financing products with great rates and terms. Equipment Financing:

Equipment financing helps with the purchase of equipment for a business, this typically means any
equipment that is essential to the success of success of a business. This may include Titled equipment such as a truck or non-titled equipment such as a backhoe. Equipment financing also comes in 2 variations which may be offered based on the qualifications of the client. Those options will be discussed further on in this document. Invoice Factoring:

Invoice factoring is a very unique option specifically made for businesses that get paid by invoice
from other businesses or the government. These invoices are typically paid in what's called a “Net
term” such as net 30, 60 or 90. Which means a business provides an invoice for the client for a net
60 term that means that business will not get paid until 60 days later. This is common for business to
business or business to government transactions and by getting invoice factoring the business will
get paid their money upfront so they can complete the job without waiting for payment. Asset based financing

Asset based financing for a business typically uses an asset such as real estate as collateral in order to qualify but some businesses might be able to use heavy equipment as collateral as well. These loans are typically short in term and are usually seen as a last resort for some businesses. Term Loans –A term loan is a type of working capital but whenever the word term loan is used it is typically meant to signify a loan that has a term of more than 12 months but less than 5 years. We help small businesses like access funds quickly with bank term loans from our trusted network. Capital for businesses that already started but hasn’t reached a certain level of income they want (experienced). Long term funding: Long term funding typically means loans that will be paid back in 5 years or more. Long term funding options have the strictest qualifications and are more similar to what a bank might offer. Business line of credit:

This is one of the most sought after funding options however it is also fairly strict with its requirements. A business line of credit is a mix between a credit card and a loan. A client can get approved for a
$200k line and they may use as much of it as they want then as they pay back the line the amount they pay back becomes available again to borrow again

Credit Card Processing – Our system eliminate 50% of credit card processing - To accept payments & give 50% of the profit every single month. Both for new or existing businesses – online or offline. Requirements for our clients to get approved? Credit score over 600
b. No requirements for processing volume -
$5k a month or more in sales
Do not Target Gas Pumps or Dispensaries. Gas Pumps are usually managed by
the gas companies, and it is still illegal to offer payment processing to Dispensaries. Qualifications:
● For beginner program (Line of Credit) :
- Personal Credit Score above 700 (with good quality or track records).
- Approval within 24 hours, the funds will be transferred between 5 - 10 business days.
- Funds will be transferred to credit card Line of Credit.
- The credit card doesn’t report to personal credit score and has zero interest rate.
- The customer can cash the fund out and use a credit card to pay employees, business bills, or buying stuff for their business.
● Existing business (Term Loan):
- Minimum income $50k - 75k.
- Income might come from W2 Salary or distribution income (from rental real estate as a corporation).
- If the net taxable exceeds 50 to 75, the applicants are pre-qualified for the loan.
- It’s a cash loan product, and the fund will be deposited in the applicant’s account.
- Term: 5 - 7 years.
- Rate: 4% - 15% based on the strength of the credit.
- Payment: between 1 - 2% of the balance approved. Disqualifications:
- Bankruptcy history within the last 3 - 4 years.
- High credit card debt over 50% / high credit card utilization.
- Brand new account opened in the last 12 months. Maximum Funding:
● Line of Credit (for Startups) can get funding up to $150,000 per round.
● Waiting time between each round is 30 - 60 day process