WORKING CAPITAL PROGRAMS
From Rainstar CAPITAL GROUP
Rainstar Capital Group has developed a diverse lending platform that provide working capital solutions for small, medium and large size companies. The solutions that our lending platform covers are term loans, lines of credit, accounts receivables financing, purchase order financing and inventory financing. Please watch the presentations on the on different subjects related to working capital:
types of financing
Types of Lender Programs
Please review the different example of lenders that we have and contact us if you have a financing need. We will need the following for each product line to process your financing request:
Biz line of credit & biz term loan
Signed application (DocuSign - Click Here)
2 yrs biz and personal tax returns
YTD P&L & Balance Sheet; Previous year balance sheet
Debt schedule
6 months business bank statements
*Other documents may be requested depending upon amount needed
A/R (FACTORING)
Signed application (DocuSign - Click Here)
Credit report
A/R & A/P Aging report
Debt schedule
Articles of Incorporation
Previous 2 years biz tax returns and YTD P&L/Balance Sheet
*Other documents may be requested depending upon amount needed
PURCHASE ORDER (PO) FUNDING
Signed application (DocuSign - Click Here)
Credit report
Articles of incorporation
Purchase order(s)
Pro-forma invoice from vendor
*Other documents may be requested depending upon amount needed
Here is a breakdown of a few of our different lenders and their programs*:
*Rainstar Capital Group makes no claim as to the accuracy of the terms of these lender programs, as the direct lenders and fund managers that work with Rainstar Capital Group at times change their underwriting criteria and their loan matrices. To the best of it's ability, Rainstar Capital Group updates these lender profiles based on information provided by the lenders. By applying for any program, the client acknowledges that the programs, interest rates, LTV's, etc. are subject to change based the lender's underwriting criteria.
Lender #1
Lender Description: Lines of credit from 1k to 100k. Director must submit through our portal and your team leader will set you up on it.
Geographic lending areas: All 50 states
Loan Products: Lines of Credit
Loan Sizes: 10K TO 100K
Required Credit Scores: 660
Required Revenues: Minimum 10K
Min to Max Rates: 15%+
Other Information: No paperwork or personal credit check to get started.
Lender #2
Lender Description: A Fintech lender providing the fastest, most convenient way for small businesses to get funding via Line of Credit and AR Financing.
Geographic lending areas: All 50 states
Loan Products: Lines of Credit
Loan Sizes: 10K TO 150K
Required Credit Scores: 660
Required Revenues: Minimum 10K
Min to Max Rates: 15%+
Other Information: Draw funds anytime in minutes online. Repay in fixed installments over 6 or 12 months.
Lender #3
Lender Description: This Fintech lender is a credit solutions provider for clients seeking a term loan.
Geographic lending areas: All 50 states
Loan Products: Working Term Loan Lender
Loan Sizes: 1k to 100k
Required Credit Scores: 660
Required Revenues: Minimum 20k
Min to Max Rates: 8-20%
Other Information: Lender is a Leading online direct lender that works solely with partners to offer their small business clients the best credit financing solutions for their businesses.
Lender #4
Lender Description: Term Loan product for small business loans that can fund in four hours with a monthly repayment plan.
Geographic lending areas: 30 states
Loan Products: Working Term Loan Lender
Loan Sizes: 1k-205k
Required Credit Scores: 500+
Required Revenues: 20k
Min to Max Rates: 16-90%+
Other Information: Lender offers business owners simple interest term loans that have no prepayment penalty.
Lender #5
Lender Description: Advisory group providing clients Business and Personal Credit Cards.
Geographic lending areas: All 50 states
Loan Products: Business and personal credit card program
Loan Sizes: 10k – 150k
Required Credit Scores: 700
Required Revenues: None
Min to Max Rates: 0% for the first 6-13 months. 6-30% after
Other Information: Great solution for startups or folks with not strong revenue. Program leverages the client’s personal credit score.
Lender #6
Lender Description: Business term loan that likes to have additional collateral in the form of real estate.
Geographic lending areas: All 50 states
Loan Products: Working term lender
Loan Sizes: 50k – 1M
Required Credit Scores: 620
Required Revenues: 100k
Min to Max Rates: 6% - 24%
Other Information: Lender provides a term loan product that is perfect for growing businesses o clients seeking to refinance out of Merchant Cash Advances.
Lender #7
Lender Description: Small business lender that takes secondary collateral in the form of real estate up to 100% CLTV.
Geographic lending areas: All 50 states
Loan Products: Term Loan
Loan Sizes: 50k – 1M
Required Credit Scores: 620+
Required Revenues: Must be doing $1M+ in revenue
Min to Max Rates: 12-50%
Other Information: Lender that provides working capital while taking secondary collateral of real estate up to 100% CLTV.
Lender #8
Lender Description: Term loan lender. Unique program where they require the borrower to have family and friends contribute part of the loan ensuring payback.
Geographic lending areas: Nationwide
Loan Products: SBA Advisory Lender providing SBA loans from four major banks
Loan Sizes: $25k to $1 million
Required Credit Scores: 650
Required Revenues: Minimum 160
Min to Max Rates: 6.25% - 7.25%
Other Information: Unique programs.
Lender #9
Lender Description: Lenders is redefining SBA lending through its advanced technology platform.
Geographic lending areas: Nationwide
Loan Products: SBA Advisory Lender providing SBA loans from four major banks
Loan Sizes: 30k – 350k
Required Credit Scores: 650
Required Revenues: Minimum 160
Min to Max Rates: 6.25% - 7.25%
Other Information: Lender offers the lowest monthly payments, great rates, and hassle free application. Their passion is helping your business thrive.
Lender #10
Lender Description: Hard money lender for working term loans collateralized by equipment, trucks or residential/commercial real estate.
Geographic lending areas: All 50 states
Loan Products: Equipment and Term Lender
Loan Sizes: 10k to 3M
Required Credit Scores: 600+
Required Revenues: 100K
Min to Max Rates: 15%+
Other Information: Lender is very creative to get clients capital as long as collateral value is there. Creative & Flexible Structures Include: Equipment Acquisitions, Working Capital, Sale-Leasebacks, Debt and/or Equipment Refinances, Bridge Financing & more.
Lender #11
Lender Description: Specializes in the Restaurant Industry and their Loans have a factor rate.
Geographic lending areas: All 50 States
Loan Products: Term Loan Lender
Loan Sizes: 15k – 750k
Required Credit Scores: 600+
Required Revenues: Minimum
Min to Max Rates: 12%+
Other Information: Lender requires a weekly or monthly repayment model.
Lender #12
Lender Description: Built on the pillars of transparency, honesty, and doing what’s right for small business.
Geographic lending areas: All 50 states
Loan Products: Merchant cash advance lender with a monthly repayment model
Loan Sizes: 250k – 5M
Required Credit Scores: 600
Required Revenues: Minimum 10k
Min to Max Rates: 12%+
Other Information: Lender is working for small businesses every day, providing responsible working capital solutions tailored specifically for your business.
Lender #13
Lender Description: Community lender for clients seeking a term loan.
Geographic lending areas: All 50 states
Loan Products: Nonprofit community lending
Loan Sizes: 1k – 250k
Required Credit Scores: 575
Required Revenues: Minimum
Min to Max Rates: 8%+
Other Information: Lender works with a diverse group of business owners, each with unique needs and circumstances, and are able to provide loans when traditional sources cannot.
Lender #14
Lender Description: Lender is a new funder in the alternative business funding space.
Geographic lending areas: All 50 States
Loan Products: An MCA A-D paper funder, that specializes in high risk paper. Fund up to 1mm. Typical term is between 3-6 months at a 1.45 factor rate. Typically make offers within 2-4 hours maximum of receiving a submission. Typically fund within 2 hours of receiving signed contracts.
Loan Sizes: 10k to 1M
Required Credit Scores: 500+
Required Revenues: Minimum
Restricted Industries: None
Min to Max Rates: 1.45 Factor rate
Other Information: Lender prides themselves on being a quick and reliable funding source for all of our clients and partners.