Please note: This is a "common sense advice" page.
Always consult your attorney or financial advisor before making
important financial decisions.
e.g.> We could never advocate for filing Bankruptcy, so we offer
Debt Consolidation programs to those in trouble of defaulting.
Bankruptcy ruins lives for 10 years and should be used only as a
last resort, we've never had to tell a client their only recourse was
At A1 Financial USA We GUARANTEE You Get Business Funding,
What is a Business Loan and what can I use it for?
A Business Loan is a loan usually meant for business purposes.
These types of loans are unsecured, meaning that it is not necessary
to have any form of collateral such as property to be approved.
There are no specific limitations on how a business loan can be used.
Once you've been funded, you are free to use the funds as you desire.
Investors will want you to say you'll use it on your current business
at your merchant interview, however.
What is Debt Consolidation (DC)?
If you are carrying a large amount of debt from previous loans, a DC
loan can be used to consolidate your payments into one easy
payment with lower interest rate. Doing so can save you lot of money.
Call for details (909)-930-9159
What is a Short-Term Loan and what can I use it for?
A short-term loan is a quick, easy and convenient loan that can be
used to address short term and immediate financial needs.
Short-term loans are commonly used for financial emergencies,
like home or auto repairs, unexpected medical bills, or in times
where you are falling a bit short on your budget before your next
Can I be approved for a loan with bad credit?
At A1 Financial USA, we believe that everyone deserves access to
credit. We work with lenders that provide loans for those with
excellent credit, average credit or poor credit. Even if you are in the
process of rebuilding your credit, you can still qualify for a loan
We funded a 386 FICO $22,000 in July 2019.
How do I know if I’ve been approved for a loan?
Once you submit your loan application, our lending machine goes
to work. We'll match you with a lender based on the information
you've provided. If a match is found, you will be notified.
You will then be directed for instructions on how to finalize your loan.
If we are unable to match your application with a lender,
we will direct you to additional options to help address your
What are the rates and terms of A1 loans?
The exact terms of your loan (including interest rates, repayment
periods and payment information) will be presented to you once we
determine them. Each borrower is different, has different file criteria,
such as personal information, including income, industry, credit
history and even the state that you reside in.
I've been approved for a loan - when will I receive my funds?
Once we have matched your request with a lender, A1 will direct
you to instructions on how to finalize your loan. Once you have
signed for your loan your funds are released. Funds are typically
received in your bank account by the next business day.
How much/How little can I borrow?
At A1, customers can apply for a loan between $1,000 and $500 mill.
The amount you are actually approved for is dependent on a number
of factors, including your income, credit history, state of residence
and the lender that you are matched with. Not everyone is eligible for
$500 mill. In the event that you are not approved for your requested
loan amount, you are still eligible to be approved for a lower amount.
Can I only apply during business hours?
A1 accepts loan applications online 24 hours a day, 7 days a week.
Our network of lenders are open during business hours, but we are
working weekends around the clock to put you in first position on
Monday morning. Once you are approved, you will receive
instructions on how to finalize your loan with your lender.
How long do I have to repay my loan?
At A1 our lending network includes both installment and short-term
loan lenders to serve your financial needs. The amount of time you
are given to repay your loan depends on the type of loan and lender.
Installment loans are paid back over multiple payments, usually
between 6 to 120 months. Short-term loans are usually paid back in
2 to 12 months.
Is it possible to get an extension on my loan?
Most lenders offer loan extensions & renewals and alternative
repayment options in special circumstances. We recommend
that you contact your lender directly to discuss the options available.
Which states/countries do you serve?
A1 serves all 49 states, sorry no CA at this time.
We also serve Canada, and the U.S. Territory of Puerto Rico.
--"What are the requirements for loans at A1 Financial USA?"
Business Loans $1,000 to $500,000,000 350+ FICO, 3 months
of bank statements, DL photo, "voided out" business account check.
SSN or TIN with work visa or comparable. Call for details.
More docs will be needed for loans over $50,000.
"I was told I need a cosigner.
Can I still get a loan through A1 Financial USA?"
ABSOLUTELY. Just have a cosigner sign a cosigner form you may
request via our contact form and have them apply by
Clicking on our Loans Page.
--"I own 25% of a business,
can I still get a business loan through A1 Financial USA?"
ABSOLUTELY. Just have the majority ownership draft a notarized
latter stating you have authorization to do so.
We actually can fund 1% owners, but call for details.
"Can I get a business term loan through A1 Financial USA?"
Possibly. We offer them up to 10 years in many states.
-"Is it true A1 Financial USA is hiring?"
Yes, and we wish to add over 100 independent Reps nationwide.
Please apply on our Careers Page.
-Can I get a loan if have equity, but I have no docs, no income,
and a high debt ratio? You can. We know HARD MONEY lenders.
Although expensive, we can help you get back on your feet if you
have equity. Apply Here
--Is it dangerous to take Hard Money?
A hard money lender can be your best friend, and help you survive,
or your worst enemy, but thankfully, it all depends on YOU--paying
back the loan.
Downside : If you default on your hard money loan, the HM lender
can foreclose on your home and property.
The loans are usually expensive, as much as 10-15%.
Upside: You can get survival money, without tax forms, proof of
income, or really much else. It's great to have that money to pay
off higher interest credit cards, deduct your debt from taxes,
and buying yourself time by paying your mortgage payment with
the funds, so you can go back to school, start a business, pay
medical bills, pay for a wedding, take a much needed vacation,
or a combination of the above.
--"Will I ever have to pay an advance fee?"
Never to apply for funding for established businesses.
The only fees we ever charge are for Accounting you need,
that you can not provide due to your not having an Accountant,
or for Start Ups with no revenue. These 2 instances take work
and manpower, and time away from serving established business
owners, and we have to charge.
--"Will applying negatively impact my credit score?"
It's our mission to minimally impact your credit score.
Many of our lenders only view your Equifax score, so you do not have
that normal "ding" of other creditors. When a "full pull" must be done,
it only impacts 5 points. Most of our lenders, (but not all, to be clear,)
report the loan payback to the credit bureaus, so you make up
considerably more than 5 points over the life of the loan.
Remember inquiries make up only 5% of your FICO score.
--"Will you call me back if I call and leave a message?
It's our mission and promise to offer the best customer service
in the USA, so yes, of course. We are very caring and prompt with
I called, but the machine answered, so I hung up.
What should I do/have done?"
This happens when we are extremely busy and our operators can
not take any more calls. Please leave a message at the beep, with
your name, time you called, phone number and reason for the call,
and we promise to call you as soon as humanly possible.
Please be sure to call without noise in the background, or while eating,
wearing a mask,chewing gum, chewing tobacco, or immediately after
dental work...(believe it or not, some people call while doing these)
and please speak slowly, loudly, and clearly...
We must understand your message to help you.
--How trustworthy is A1 Financial USA?
First off, just so you know, we have zero complaints!
(and please search us if you like, we're on Trustpilot.com
Search A1 Financial USA .
We're not selling you anything, we're trying to get you
financial assistance, usually money.
Fast-Easily, and Affordably....and we're all trained in
customer service and ethics, so no problems here!
As every member of our organization is mandated to take a
financial ethics course, provided by the Quality Human Corp.,
we have learned some things that changed the way we look at
the world, and companies like the BBB.
Ask yourself this: Is it ethical to force a business
to pay over $700/year to a powerful company like the BBB
just so they will call you "BBB Accredited"?...and if you don't pay,
and someone searches you, they post
"THIS IS NOT AN ACCREDITED BUSINESS" .
It seems a bit like unethical extortion, to a professionally
ethics-trained person. Pretend, if you will, your church did not
pay the $700, and you searched them.
Is it fair to passively "cast a dark shadow" on them by posting
"THIS IS NOT AN ACCREDITED BUSINESS"?
Of course not. What they should post is:
" This business did not pay us a fee to become accredited, but they
are in good standing otherwise."
That is what an ethical, honest, public serving company would do,
right?..Think about it....
Also, the BBB is silently saying "You can buy trust" by giving an
"ACCREDITED" tag to anyone that pays.
A terrorist could open a pipe bomb shop and be "accredited" ...
thanks to the BBB's policies.
However, we do understand the idea of building public trust,
so we ask for reviews on TrustPilot and Alignable.
--"I filed for bankruptcy under 18 months ago.
Can I still get a loan?"
If you own a business, the answer is probably yes, through us.
We can fund most any loan, even when bankruptcy is involved.
It must have been discharged by 1 day, however you can not be
in filing or "paying off" status.
--"I see you have 2 differently named websites and companies,
are you all the same? Yes, the same. A1 Loans USA is also under
the "dba umbrella" of A1 Financial USA.
--"What is a FICO score?" Your FICO (Fair Isaac Co.) is a credit
score which takes information and analyzes it to predict what’s
most likely to happen over time.
--How can I build credit & a borrowing history?
We can help you with that immensely.
Call us at (909)-930-9159.
--Can I apply for a business loan easily with you?
We can help you better than any funding company in N.A.
Just your last 3 bank statements, DL /state I.D./Passport (U.S.)
color photo,Voided check and a 1 page application.
Click on our Loans Page
--Why do folks say you're the best loan broker in the USA?
Because our 900+ lenders FIGHT for you, and for the best rate.
We can fund the toughest files.
We have 7 billionaires who fund over and above all others.
Click on our Loans Page .
--Do you lend to home-based businesses?
Yes, some of our lenders lend to home based businesses.
Click on our Business Loans Page.
--Is it true my industry can hurt me getting a loan?
Yes, it's true. Many lenders won't lend to some industries.
Some will. We have both kinds in our 909, so you have the
best chance with us.
Click on our Loans Page.
--What are your hours?
24/7/365...366 during leap year...
Apply or communicate online anytime, morning, Noon, or night.
Of course, our lending partners follow normal
EST business hours 9-5 EST. We take a company wide vacation,
annually, usually in Jnauary,when we shut down for 2 weeks.
You may still apply, however, during that period.
--Do you offer other loans besides Business Loans?
Yes, by phone only, please call (909)-930-9159.
--Are you affiliated with A One Financial (an auto lender)?
Not at all...but we do get their calls all day long.
--We heard A1 offers Hardship Loans, can I get one even if my
business has been forced to close?
It's quite possible. There are some restrictions, but apply anyways,
as our 900+ lenders each have their own requirements,
we will work around the clock for you to find funding.
What's the difference between a Balance Sheet (BalSh) and a
Profit and Loss statement (PnL)?The balance sheet reports the
assets,liabilities, and shareholders' equity (if applicable)at a specific
point in time, while a P&L statement summarizes a company's
revenues, costs, and expenses during a specific period of time.
Do you have to log in to my account to apply?
For applying, not at all, simply apply at A1LoansUSA.com
then download your last 3 months of business checking statements
from your online banking, email them to admin@A1FinancialUSA.com,
and during Covid months, after the 3rd of the month,
please also email over an MTD( = a "month-to date" ) printout of all
account activity from the 1st of the current month to the present day.
It can be printed and scanned, or photos taken from the screen,
but it must be from a computer only, no phone.
Please make sure all of the month's transactions are showing.
Do you have to log in to my account to fund?
Every lender in the U.S. is required by law to log in
to accounts, upon funding...per Homeland Security.
It's also to verify the money is going to be deposited into
the right account...and payments will be withdrawn from the
It also removes any chance of a fraudulent business owner,
which is all too prevalent, sorry to say, but it's true.
I heard of lenders draining accounts upon logging in,
should I be worried about this?
Certainly not if you work with A1 Financial USA!
If some other lender "drains" an account they are obvious frauds,
no real lender would ever risk prosecution and loss of their
expensive lending license by doing such a horrible, unlawful act.
The electronic trail is so easy to trace nowadays, they must have been
outside the U.S. or EXTREMELY stupid...(sorry to say, but it's true...!)
If you make sure your lender is A1 Financial USA,
and you'll have zero worries, and only a terrific borrowing experience.
(Editor's note: If this ever happens to you, call the FBI immediately
at 1-800-CALL-FBI (800-225-5324).
--"My refi application asks for my business net worth.
How do I calculate that?"
Review your company's balance sheet and tally the assets.
Assets are items of value, such as cash, investments, accounts
receivable, "sell able" equipment by market value,
and inventory. (please list each of these 5 for us).
Estimate the value of the company’s intangible assets.
Intangible assets include intellectual property and patents.
Total the business assets. (Add 1+2)
Tally the business’s liabilities.
Liabilities are debts and other obligations.
Liabilities include accounts payable,business vehicles, and salaries.
(that's weekly salaries paid out, btw...)
Factor in potential liabilities, such as contingent liabilities.
Contingent liabilities are not current obligations but may
become a liability in the future. Probable contingencies with
amounts that can be estimated must be recorded on the balance
sheet. You may also find amounts in the footnotes.
(Try to keep this at zero unless you know something particular,
such as a leaking roof, termite damage, etc)
Total the business liabilities. (add 4+5)
Calculate net worth by subtracting the total liabilities from the total
|Page updated 7-22-2020
© Copyright 2020. A1 Loans USA, A1LoansUSA.com, A1 Financial USA, and A1FinancialUSA.com.
All rights reserved.
All images are the rights of the photographer, and with their quotes are only for inspirational purposes,
A1 Financial USA is the engine behind this website.
2516 Pinecone Way Suite C
Ontario, CA 91761
CEO: Mark Ayers
Vice President: John Parks
ISO Manager:Lauren Hatt
Office Manager: Stephanie Capp
Payroll and Accounting Terry Corlin
(909)-489-0564 CEO 's cell
"You asked us for an A/R Report.
What is an A/R Report?"
An A/R Reports is a detailed list of the debts your clients owe to you,
including how much, by whom, and when they are due, and
whether they are past due or not...and if late, how late.
This report helps us get you the most money possible,
as investors can count on income you have coming.
"Invoice Factoring" may be an option for you if you have long overdue
money owed by companies doing $10 million a year or more in
A1 FINANCIAL USA
...Or We'll "Coach You Up" Until You Do.
"You asked us for a business debt schedule.
What is a business debt schedule?"
A business debt schedule consists of a detailed list of the debt the
business has incurred, such as loans, contracts, leases and
outgoing notes payable (AP).
The business debt schedule typically only includes long-term debt
versus simple daily expenses incurred by a company.
A1 Financial USA Funds
$1,000 To $15 Million
In Just 24 Hours.
on our "ultra secure" site: