Business Funding Pre-qualification
Please take a moment to complete our simple pre-qualification application for contingency funding. We are committed to providing a prompt response to all applications within one hour during regular business hours. If you have any questions, feel free to reach out to us at (715) 396-1675.
FUNDING OPTIONS:
Term Loan / SBA Loan / Unsecured Working Capital / Business Line Of Credit / Accounts Receivable Financing / Equipment Financing / Commercial Property / Micro Loans / Start-up Personal Loan
By submitting the Pre-qualification application, you agree to receive calls, texts, and email messages regarding business contingency funding funding on your account. Rest assured, our lending network of partners will handle your information securely. Please note that granting consent for promotional communications is not mandatory for approval or purchase, and you can easily revoke it at any time by sending an email to info@opiuscorp.com. We highly value your privacy and strictly adhere to privacy practices.
Frequently asked questions
Funding program's criteria and required documentation
Revenue-based business loans
12 Months of Operation
$30,000 or more in monthly revenue
Less than 7 days with negative balances per month
No Minimum credit score
Merchant cash advance
12 months of operation
$30,000 or more in credit card sales
Less than 7 days with negative balances per month
No minimum credit score
Start-up Business Loan or Personal Loan
700+ Credit Score
Less than 45% Utilization
At least 5 Tradelines
Minimal Recent Inquiries
Equipment financing
$30,000 or more in monthly revenue
Credit score of 550+
Invoice related to business-related equipment
6 months of operation
Commercial real estate mortgages
700+ Credit Score
Loan from $100K to $50M
Purchase or cashout refinance – LTV from 60% to 80%
All property types eligible
Credit Score of 580+
SBA 7a Loan
Loans from $200K to $5MM
Credit Score of 680+
2 Years in Business
Profitability on Business Tax Returns
Business lines of credit
If you have been in business for at least 2 years, you can get approved for up to $55,000.
The best part is that you will only pay interest on the amount you draw, not on the entire loan amount. We have no pre-payment penalties. Pay early and save on interest. Expand your business today with an instant line of credit.
Loan amounts: $5,000 to $55,000
Terms: 6, 9, and 12 months
Minimum credit score: 550
Pay only for the money you use
Fast and easy online application
24 Hour approval and same day funding
Program available in all 50 states
Early payment discounts (save on interest)
Interest Rates starting at 15%
Unsecured Business Term Loan
Prequalification and Eligibility Criteria
Time in Business: 2 Years
Annual Revenue: $250,000
Credit Score: 660+ (Soft Credit Pull for Prequalification)
Ownership: Applicants must be U.S. citizens or residents
Business Credit: No recent bankruptcies, tax liens, or judgements
Time to Fund: 1 to 2 Weeks
Interest Rates: Range from 6% to 25%, with early payment discounts
Documents Required (after pre-approval)
2 years of business and personal tax returns
6 months of recent business bank statements
Business Debt Schedule
Year-to-date Financial Statements
Collateral and Assets
Some lenders ask for collateral while others do not. However, most lenders request that you list company assets on the application. They want to know what could cover your obligations in the event you can’t repay the loan. Alternatively, you can provide proof of sufficient deposits into your business bank account that can provide confidence to the lender that loan payments can be met.