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Frequently Asked Questions

Who Are Your Borrowers?

Main Street America. WBL's customers are the extraordinary brick and mortar businesses which serve us everyday. From gas stations to groceries and family clinics to day care centers, WBL helps small and medium sized businesses across the country access the funding they need to keeping going and growing. By providing your business with working capital when you need it, World Business Lenders is also able to offer you a quick loan against real estate, in 7 days or less (usually 3 to 5).

World Business Lenders offers our Buisness Loan of Choice which is a collateral based loan. This application is also a paperless e-App. No bank is involved (except for bank statements) in the approval process which is usually 3 to 5 days; Same day or 48 hrs with LoanMe™! Other loan types we provide are: franchise loans, unsecured business loans; as well as, Business Loan of Choice (BLOC-3 Program), start up loans, micro business loans, commercial real estate loans, and many others! You'll receive a decision fast, usually within 3 to 5 business days.

    1) How does the program work?

    WBL makes short-term small business loans for a term of 9-12 months. Approvals are based primarily on the business revenue and not the owner's personal credit score. All we need to start is a 1-page application and the most recent 12 months of business bank statements. WBL does not require tax returns, financial statements, credit card receipts, business plans, or detailed lists of assets.

    2) What are your interest rates and how are they determined?

    Each applicant’s cash flow, payment history and financial strengths are considered to determine a risk-adjusted repayment plan specific to that applicant. Payments are determined by factors such as the amount and consistency of the business's cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds.

    3) What factors affect loan application approvals?

    The age of the business, its revenue history, assets, and business credit history, among other factors, all contribute to building a comprehensive profile of the applicant.

    4) Why are repayments taken daily?

    WBL loans are repaid through small, daily automatic payments (excluding weekends and holidays) from the borrower's business checking account. Since our borrowers typically generate income on a daily basis, WBL’s daily repayment program enables businesses to manage their cash more easily than if they were on a monthly payment schedule.

    5) Will you check my personal finances?

    When it comes to personal finances, we usually only review the business owner’s personal credit history and not their credit score.

    6) What sets WBL apart?

    WBL provides small businesses with the working capital they need when they need it. As a private and direct lender, we have our own underwriting guidelines (different from the banks) by which we make funding decisions in a matter of days. Where a bank may deny a strong business based on the owner's personal credit score, WBL looks at the overall health of the business to provide financing to borrowers with less than perfect credit.

    7) Where do you get your capital from?

    We are a privately owned and funded lending institution. This enables us to fund loans in as few as five days.

    8) Is there a referral program?

    Yes. World Business Lenders is committed to establishing mutually beneficial relationships with a variety of business partners. Please visit our Partners Program page for details on how to get in touch with our Business Development Department.

    Loanme Frequently Asked Questions

    1) Is LoanMe right for me?

    We are here for businesses that don't qualify for traditional loans or for businesses that have urgent short term cash needs. If you have the following situation, we could help:

    • If you cannot be served by traditional lenders because your business doesn't meet their underwriting standards (your personal credit, your industry, or the requested loan amount may impact your ability to be served by traditional lenders).
    • If your business is short of cash due to unexpected bills, emergencies, or opportunities
    • If you are trying to rebuild your credit by responsibly paying off loans
    • We don't lend to all businesses. You must be: At least 2 months in business with income.
    • You Must Be A For Profit business.
    • Your Business bank account must be in the name of the business.
    • You must have a personal FICO score of 500+

    2) How do I apply?

    Click The "Apply" button anywhere on this website. You will be directed to an electronic form asking for your name and basic information. A LoanMe™ loan specialist will call you to take a telephone application. You must tell them that UNITED CASH SOLUTIONS referred you.

    3) How do I get the money?

    You review the loan agreement and accept the terms. If you agree before 4PM EST, we will send the cash to your account the same day. We send wire transfers at 4:30 EST every day, and the funds should appear in your account shortly after the wire is sent. It can take longer if some banks can't process the wire fast enough to show the payment in your account.

    4) How do I repay my loan?

    We want to make the repayment process as hassle-free as possible. That's why we automatically deduct the monthly payment from your business checking account.

    5) What other payment methods does LoanMe accept?

    In addition to automatic monthly deductions from your business checking account, other forms of payments include, but not limited to: check, cashier's check, and ACH.

    6) Can I repay early?

    Yes. Repaying your loan early can save you on your interest expense, so we recommend you pay off the loan as soon as possible. Many customers also make additional pre-payments if they can't afford to pay off the loan entirely. We have no hidden fees for early repayment and you will save money as we only charge interest for the days that you borrow.

    7) Do you report my payments to credit bureaus?

    Yes. We report your payments to Personal and Business credit bureaus so you can build your credit as you pay on time.

    8) Can I borrow again?

    We only let customers have one loan at a time, so you will have to repay your loan before we give you another loan. Of course, prior loan approval does not guarantee subsequent loan approvals. You will need to re-qualify based on the current guidelines in effect at the time of reapplying. By repaying your loan responsibly you will qualify for lower origination fees on additional loans and may qualify for a lower rate and a higher borrowing limit. In addition, you may be building your credit.

    9)Are LoanMe's Small Business Loans available in every state?

    No, LoanMe's Small Business Loans are currently available in AL, AZ, CA, DC, DE, HI, ID, IL, IN, KS, KY, LA, MD, ME, MN, MO, MS, NC, NE, NH, NJ, NM, OH, OR, SC, UT, VA, WA, WI and WY. Personal Loans are currenlty offered in: AZ, CA, ID, MO, NM, UT, SC, WI.

    Click here for Main Street Business Loans, which is available in every State!

    10) What type of business can qualify?

    Any type of business is eligible for the LoanMe Inc. Business Loan, ranging from a home-based consultant to internet based companies. Sole proprietorships are also eligible. You must be in business for a minimum of two months with income and sales, be in a for-profit industry, and have a business bank account.

    11) What can the loan be used for?

    The loan can be used for nearly any business purpose, including start-up financing, working capital, equipment financing, purchasing inventory, and hiring new staff.

    12) Do you run a credit report on the owner of the business?

    Yes. We will run a credit report on the owner of the business in the application stage. Also, we will report monthly performance to the personal and business credit bureaus.

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    Credit approval is subject to LoanMe™'s credit standards, and actual terms (including actual loan amount) may vary by applicant. LoanMe requires certain supporting documentation with each new application. California loans are made pursuant to LoanMe's California Department of Business Oversight Finance Lenders Law License #603K061. LoanMe also offers loans in certain other states which may have higher minimum loan amounts.

    The information induded on this website is intended to be a guide for marketing purposes. All information provided in this document is subject to modification based on specific loan characteristics. World Business Lenders reserves the right to temporarily or permanently change all guidelines, rates, and other criteria from time to time at its sole discretion without prior notice.