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Business Loan of Choice (BLOC-3 Program)

World Business Lenders introduces its new Buisness Loan of Choice (BLOC-3) Program. A loan secured by real property that gives a business more control over its borrowing costs. Loans range from $25,000 - $2,000,000! Usually, World Business Lenders loan's are quick business loans that are revenue-based; however, our Buisness Loan of Choice is collateral based. 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™! World Business Lenders offer businesses, loans against real estate (commercial, residential, industrial or land) in 7 days or less.

Other loan types we provide are: unsecured personal and business loans (LoanMe™, see below); as well as, Business Loan of Choice (BLOC-3 Program) and commercial real estate loans! You'll receive a decision fast, usually within 3 to 5 business days.

BLOC-3 Product Details

  • Small interest-only payments with daily or weekly payback schedule, instead of large monthly payments.
  • Interest-only provides better control over business' cash-flow needs
  • Loan sizes between $25,000 to $2,000,000
  • Maximum Term Allowed: 12 Months. Longer terms (up to 36 months) may be considered on an exceptional basis.
  • Receive funding in as little as 3-5 business days
  • Only Need 6 or 12 months of business bank statements (NSFs OK. Silver and Bronze Plans Only.)
  • 6, 9 and 12 month terms
  • Loan amounts above $100K Must be collateralized by Real Estate. Need Pictures of Deed.
  • Monthly paydowns without penalty allowed
  • Open advances allowed
  • Advances of up to 3x average monthly deposits

BLOC-3 Qualification Highlights

  • Minimum Years in business: GOLD Plan: >= 2; SILVER Plan: >= 1; Bronze Plan: < 1
  • Must be collateralized by real estate: Documents needed are - Property address, Whether it's commercial or residential, Date purchased, Purchase price, Amount owed against property (if any), Deed held in which name, Estimated value, Copy of appraisal if you have (can accept up to 5 year old appraisal), Copy of most recent mortgage statement.
  • FICO Score: Depends on which (BLOC-3) plan you choose: Gold plan score should be > 700; Silver plan score should be > 625; Bronze plan score should be > 500.
  • Bronze Plan: Only Plan where Restricted Industries Are Allowed. Restricted Industries include but are not limited to: Used Car Dealers, Childcare, Gas Stations, Financial Services, Attorneys, Real Estate Speculators, Home Based Business
  • Debt consolidation with no net-proceeds requirement
  • We will go behind competitors' UCCs
  • Tax liens (with payment plans) OK
  • All lien positions on real estate allowed
  • Loans above $100K require assets owned by business or guarantor in the form of Real Estate.
  • Personal guaranty of business owner required

BLOC-3 Collateral Types Accepted

  • Residential property (single family, multi-family, condo, co-op)
  • Vacant land, Mobile Home, Industrial or Agriculture
  • Commercial property (retail, office, owner-occupied)
  • *Multiple collateral types may be pledged

LoanMe Unsecure Business or Personal Loans

If you don't qualify for our Buisness Loan of Choice (BLOC-3) Program, perhaps you will qualify for LoanMe™'s quick, unsecure business loan that is revenue-based. These loans provide businesses with loans based off of bank deposits; with same-day or 24 hour decision. Loan is repayed in MONTHLY installments! LoanMe™ Maximum loan amount is (Small Business) $100,000; Minimum $3,500. LoanMe™ Maximum loan amount is (Personal) $100,000; Minimum $2,600. The application is a paperless e-App. No bank is involved (except for bank statements) in the approval process is usually Same day or 48 hrs with LoanMe™!

United Cash Solutions dba World Business Lenders, LoanMe™ & Main Street Buisness Loans, specialize in providing quick, short term, flexible personal loans, business loans and commercial loans through an online application. Our approval decision is not based solely on credit scores but on at least 6 to 12 months of business bank statements. We rely heavily on your business' past and current revenue being generated.

Many of our clients choose to finance available projects with on-hand cash flow using World Business Lenders as a source. They'll use World Business Lenders's help as an alternative cash flow method to invest in new equipment, or make time-sensitive inventory purchases.

Other loan types we provide are: franchise loans, unsecured business loans; as well as, start up loans, micro business loans, commercial real estate loans, and many others! You'll receive a decision fast.

LoanMe Product Details

  • Small interest-only MONTHLY payments.
  • Receive funding Same Day or with 48 hours!
  • 2-15 year terms. We advise you to pay-off loan early. There's no penalty for early loan pay-off.
  • Monthly paydowns without penalty allowed

LoanMe Qualification Highlights

  • Minimum time in business: At least 2 months in business with income.
  • Must be a For-Profit business
  • Tax liens (with payment plans) OK
  • Business bank account must be in the name of the business
  • LoanMe™ personal or business loans FICO Score must be 500 or greater.

BLOC-3 QUALIFICATIONS GOLD SILVER BRONZE
Maximum Term Allowed* 12 Months 12 Months 12 Months
Allowed Open Advances 0 1 >= 1
Median FICO > 700 > 625 > 500
NSF None < 3 >= 3
Years in Business >= 2 >= 1 < 1
Minimum Average Balance (multiple of daily payments) 4x 2x 1x
Restricted Industries Allowed** NO NO YES

*Longer terms (up to 36 months) may be considered on an exception basis.

**Restricted Industries include but are not limited to: Used Car Dealers, Childcare, Gas Stations, Financial Services, Attorneys, Real Estate Speculators, Home Based Business.


LoanMe Loan overview & costs:

  • Loan Size: $3,500 - $100,000 (Personal Loan Minimum, $2,600)
  • Term: 2 years to 10 years
  • Origination Fee: 5% to 10% with minimum of $500 (lower fees for 2nd loan)
  • Rate: 24% to 149%
  • Payment: Monthly
  • Prepayment: You can prepay your loan at any time with no penalty
  • Collateral: Personal guarantee only
  • Loan Purpose: The loan can be used for nearly any business purpose
  • Taxes: Financing fees and interest may be tax deductible.

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.

Click Here To Apply Now!

United Cash Solutions
United Cash Solutions

Our Mission

  • World Business Lenders will achieve its vision by accessing the world's underserved local markets and putting private capital to work for ambitious entrepreneurs around the world.

Our Vison

  • World Business Lenders is committed to becoming the world's premier financier of local entrepreneurs everywhere.
United Cash Solutions

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.