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.

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.

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 incoming money.

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 with us!.

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 financial needs.

What are the rates and terms of A1 loans?
Because we are not a lender ourselves, the exact terms of your loan
(including interest rates, repayment periods and payment information)
will be presented to you by your lender. Each lender uses their own policies
to determine their terms, which often depend on your personal information,
including income, 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 1, customers can apply for a loan between $2,000 and $500,000,000.
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
$500,000,000. 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 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
12 to 60 months. Short-term loans are usually paid back in 1 to 12 months.

Is it possible to get an extension on my loan?
Most lenders offer loan extensions and alternative repayment options in special
circumstances. We recommend that you contact your lender directly to discuss the
options available to you.

Which states/countries do you serve?
A1 serves all 49 states,sorry no CA at this time.
We also serve Canada, Puerto Rico, & Guam.
--"What are the credit requirements for loans at A1 Financial USA?"
Business Loans $2,000 to $500,000,000 350+ FICO, 3 months bank
statements, DL, Voided business account check.
More docs will be needed for loans over $100,000.

Click on our
Loans Page.

"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.
Clicking on our
Business Loans Page.

"Can I get a business term loan through A1 Financial USA?"
ABSOLUTELY. We offer them up to 10 years, in our SBA loan area.
Simply check the term you'd like to request via our
Business Loans Page.

-"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
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
--"Will I ever have to pay an advance fee?"
NEVER to apply, and only .0003% of U.S. Business owners will be asked
for an advance fee because their file is being declined everywhere, due
to high risk credit factors.
We then turn to our 73 private millionaire investors who lend by their
own rules, but do not pay us any Broker fees.
--This fact is why only we can help most businesses with a loan!--
Read more about our famous "Get Funded" Bridge Accounts.
If you're buying a home through us, there might be a "down payment"
required, which is understood nationwide, and natural--
However we do have some skilled professionals in our mortgage
department that may be able to get you in a home without one.
Please add that request in "SIDE NOTES" .)

--"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 our

I called, but the machine answered, so I hung up.
What should I 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,
chewing gum or 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 best!
--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
A1 Financial USA in Ontario, California 91761.)
A1 Financial USA is a middle man, between borrowers and lenders, so
an unfabricated bad review will never happen to us, because we're on
the customer's side.
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
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
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
chose the Consumer Review Bureau instead,
they only charge $399/ year and refuse to bash a company for not
paying them.
train each and every CEO, and staff member of an
organization,who all must past a rigorous customer service and ethics
test before becoming certified.
Visit them and search us with our
earned Certification number shown
above, at
"Side Notes" box. What is that and do I have to fill it out?"
The "Side Notes" box is if there's something one of our Reps asked you to
note, etc, It's for anything not asked in the application that is important to
help us get you the best loan.

--"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, however you can not be in filing status. Best
course of action? Apply under Business Loans
Be sure to say "yes" under that question.
You may explain anything further in "Side Notes".

--"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

--How can I build credit?
We can help you with that immensely.
Click on our
Credit Help Page.

--Can I apply for a business loan easily with you?
We can help you better than any company in the USA!
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 909 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.
Our CEO explains the process in our
Mission Video
Then 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
Business Loans Page.
We understand you may have LOTS of questions.
That's OK... because we have LOTS of answers!
--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?
Not any longer.

--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 employees are addicted to coffee.
Is that true?
Because we work around the clock for our customers, yes,
it's 100% true...except for Kelly, our graveyard shift manager.
She prefers milk, oddly enough.
--"My refi application asks for my business net worth.
How do I calculate that?"
Great question!
Step 1
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).
Step 2
Estimate the value of the company’s intangible assets.
Intangible assets include intellectual property and patents.
Step 3
Total the business assets. (Add 1+2)
Step 4
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...)
Step 5
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)
Step 6
Total the business liabilities. (add 4+5)
Step 7
Calculate net worth by subtracting the total liabilities from the total assets.
Always consult your attorney or financial advisor
before making decisions.
These are proper answers for 99% of the public,
but not 100%.
Page Updated 7-16-19
© Copyright 2019. A1 Loans USA, A1LoansUSA.com, A1 Financial USA, and A1FinancialUSA.com.
All rights reserved.
A1 Financial USA is the engine behind this website.

2516 Pinecone Way Suite C
Ontario, CA 91761

CEO: Mark Ayers
Vice President: Lauren Hatt
Office Manager: Stephanie Capp
Payroll and Accounting Terry Corlin
(909)-489-0564 CEO 's cell
"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 (AR).
The business debt schedule typically only includes long-term debt versus simple  
daily expenses incurred by a company, (such as coffee).
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