A1 Financial USA logo with Ben Franklin

If you're looking for business funding,
here's some important tips to help save you
from falling victim to scammers and
perdatory lenders:
- Never pay an application fee.
- Never pay an advance fee. A legitimate lender sends you money first,
not the other way around.
- Never be asked to pay for information.
- A legitimate lender should never downplay the importance of loan counseling.
- A legitimate lender should encourage questions and provide clear answers.
- No legitimate lender will ever claim affiliation with the government other than
being an SBA lender.
- No legitimate lender will ever claim to be a non-profit organization.
- If a lender directs you to the wrong department, it shows they are incompetent,
as training should be  of the utmost importance to serve you best.
-Never pay an outrageous fee. If you have a FICO over 700, you should get very
low rates. If  you are under that , any time you must pay over 70% APR, apply
with us.
-You deserve FAST answers. Any company that delays their communication with
you, avoid them.
-If you leave a message, and no one returns your call
within 24 business hours,
that shows you the low level of service you'll get.
-A good lender will always give you options, and creative thinking.
If you don't feel that you are getting that consideration, move on...to us!...We
care to advise   you, not "sell" you.
- Dealing with a lender that offers many types of loans is best, as sometimes
they can combine them to serve you better...like we do.
- There is no need to apply with a lender that requires more than 24 months of
bank statements.
We ask for only 3 for most business loans.
The Age of Your Business Could Help You Get a Good Loan!

Did you know that the age of your business has an enormous impact on what kind of loans you’ll be
eligible for?

What Lenders Are Looking For:
When lenders are considering at a borrower, they want to know how likely they are to get their
money back. While credit score and monthly revenues are a good way for lenders to judge how
healthy a business is, time in business plays a huge part in the decision process.

When a company has been in business for a long time, a lender knows that the business has some
staying power. The business most likely has a good amount of customers, figured out their
processes, and survived economic ups and downs. Bottom line: the older your company is, the more
likely you are to get a loan.

How Long Should I Be In Business?
Here at A1 Financial USA, we’ve found that four months in business is the minimum length needed
to get most small business loans. If you haven’t been in business long enough yet, there may still be
options, but know that a significantly larger amount of options will open up once you hit that magic
six month mark. In the meantime, you may want to consider a getting a business line of credit to
help build your credit in your first few months of business.
Page updated 8-14-2019
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All rights reserved.

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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)-930-9159
(909)-489-0564 CEO's cell
MarkAyers@A1FinancialUSA.com
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