863-825-LOAN
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FAST & FLEXIBLE BUSINESS LOANS

FAST & FLEXIBLE BUSINESS LOANS

4.8 Rating

4.8 Rating

FINANCIAL SOLUTIONS

SBA  GUARANTEED LOANS

SBA  GUARANTEED LOANS

SBA Loans are loans guaranteed by the Small Business Administration (Federal Government). SBA Loans range in size and term from 5-25 years and from $50,000 – $5,000,000 dollars.  It can take anywhere from 45-90 days or more to close on an SBA Loan. Rates on an SBA Loan start off at Prime + 1.5%

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COMMERCIAL REAL ESTATE LOANS

COMMERCIAL REAL ESTATE LOANS

There are various options for commercial real estate loans at First Union Lending. Rent Replacement, commercial mortgage or build up and out with terms up to 25 years.

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TERM LOANS

TERM LOANS

We provide 3-5 year term loans with monthly self pay options starting at $25,000 up to $200,000.

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UNSECURED LOANS

UNSECURED LOANS

First Union offers unsecured loans in several different ways as well.  We provide Short Term loans ranging from 1-18 months (ranging from the equivalent of a 4%APR to 17%APR).

We also have Long Term Unsecured amortized Loans ranging from 1-10 years (Rates vary state by state).  Repayment may be structured on a daily, weekly and monthly cycle.

We also provide fully amortized shorter term loans.

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EQUIPMENT FINANCING

EQUIPMENT FINANCING

First Union provides equipment financing leases for businesses.  When applying for equipment financing the borrower must already have the invoice from the equipment seller, including all information for the equipment, vin numbers, pricing etc.

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LINES OF CREDIT

LINES OF CREDIT

First Union provides two types of credit lines, both lines are ACH based, meaning the funds are directly drawn from the borrowers account on the specified payment days.  One line of credit is purely credit based up to $250,000.

The starter line is much easier to qualify for and is based mostly on cash flow.  Both lines will use a direct connection to join to your bank account directly, which is how the lines are secured.

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DEBT CONSOLIDATION

DEBT CONSOLIDATION

There are several ways that First Union can consolidate your outstanding loans, none of which will negatively impact your credit standing or the ability to obtain financing in the future.  While consolidating your loans we are able to achieve two main objectives.  First is to increase your cash flow by reducing your debt service and also leaving you with one payment to make instead of having to keep track of multiple.

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BRIDGE LOANS

BRIDGE LOANS

Bridge Loans are easy to qualify for because they rely on the fact that there is some other type of financing already in the pipeline that will close in the near future and therefore consolidate out the bridge loan. Bridge Loans are just what they sound like, nothing more than a quick bridge to get you your current situation through till the time when another loan closes.

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CREDIT CARD PROCESSING

CREDIT CARD PROCESSING

First Union provides the absolute lowest cost credit card processing on the market.  We lower our business owner’s cost of credit card processing an average of 50% with some reducing their processing costs by up to 90%.  Since we are not a broker, nor is processing our main business we are ok with making next to nothing to process your credit card transactions.  And, because we have 10’s of thousands of business owners we can still cover our costs based on volume.  We are so sure of our product, price and service that there are NO contracts, no expensive equipment, no equipment leases and in most cases, we can either use the equipment you currently own or buy you out of your lease.

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FUNDING CRITERIA

Application Process

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Repayment Terms

Based on loan type,
but typically fast and easy

Based on loan type, but 87% qualify
for one of our programs.

Same day. Even SBA loans can be
pre approved same day

$10,000 per month in revenue,
4 months in business

Open bankruptcy,
Serious financial crimes

Compare all of our loan options to a 5 year term with an APR ranging from 4%-17%

Monthly, Weekly, Daily, ACH, Credit Card Split or Self Pay

OUR PLEDGE

First Union knows that in order to last another decade, we must put our clients first. Any search of First Union online will show hundreds of great reviews, 4.8 out of 5 stars and an A+ Accredited BBB rating.  We pledge to always have the best rates or beat any rate you have in writing.  We’re also number one in service.

First Union will always try to approve from the top down. This means we will approve you for the best rate and term from the beginning, and work our way down from there.

We offer many different loans. Each loan is based on different criteria. While some are going to be credit based, it’s not nearly as bad as you might think.  While we are a licensed lender, First Union is NOT a traditional bank that makes money by investing depositor’s money (charging fees for credit cards and checking accounts, etc..) We only provide business loans. Without writing loans, we don’t exist. Therefore, we do not solely base our qualifications on credit score. There are many factors that will come into play. We’ve dealt with many clients that don’t think they’ll qualify for a loan and are pleasantly surprised by First Union.  Don’t cut yourself short by assuming you can’t get the money you need for growth!

Joining First Union’s fellowship of merchants comes with many benefits: Personalized service, discounts on travel, office supplies, payroll services and much more.

Want to build business credit with Experian and Equifax? We can help you with that too. Contact us about First Union’s Concierge Enterprise Marketplace and get instant access to our credit building tools, business education and many other benefits.

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