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The Gold

Our proven method has helped thousands of businesses use a strategic, step-by-step approach to financing and building a legitimate business credit profile.  The Gold Funding Experience is designed to empower business owners and entrepreneurs with a simple and clear knowledge base of how the business funding process actually works and how to unlock their business's fullest funding potential.  

We help you understand and improve over 125 Funding Dynamics™, to establish and utilize your business credit correctly and effectively.  We also match you with our network of brokers and lenders to get loans and credit lines.

Become a Gold member and access the Treasure Chest full of DIY Business Credit, blogs, trainings, and micro courses to help you build business credit. 

The Gold Business Credit & Finance Suite is designed to help you build a business credit profile with a proven step by step system. 

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Learn What Your Bank Will NEVER Tell You About Business Lending … Get Insider Knowledge Right Here at Gold …


Does your business need a loan? 

Let our team of professional advisors guide you through the complex world of business lending.  We can help guide you in the right direction and find the best options out there for your business. There might be options you’ve never heard of.

Business Lending Explained

What is Business Lending

Business lending is borrowed capital offered by lenders to businesses. In exchange for this money, lenders require repayment of principal plus interest and fees. Often, these require the borrower to make regular payments on a set schedule. But repayment terms and interest rates can vary depending on the type of lending, the lender, and the borrower’s Fundability.

Businesses can apply this capital toward expenses they are unable to pay for themselves. Or, they can use it for expansion, to make payroll, to buy out a competitor, or for any other business purpose the ownership can think of. 

Traditional Lending

With traditional lending (also called conventional lending), a chartered bank lends directly to businesses and/or individuals.

Fintech & Alternative Lending

More and more business lending is being done through FIntech or alternative lending sources.. Fintech often uses AI (artificial intelligence) to get documents electronically and quickly evaluate those documents and other data to make fast approval decisions. Often these FinTech companies are backed by industrial banks.

How to Qualify for Small Business Loans


Understanding small business lending qualifications means putting yourself in a small business lending company’s shoes. What are they really trying to find out from you before they lend you money?


They want exactly 2 primary things from you:  To make sure you CAN pay them back, and to make sure you WILL pay them back.


Proving You Have the Ability to Pay a Loan Back

Lenders will gauge your ability to pay back a loan by assessing what you can offer them that will prove that. In general, they are looking for any or all of the three “C’s”:

Collateral               Cash Flow              Credit

The three “C’s” are basic qualification factors, determining if you can get financing at all. But your Funding Dynamics will be reviewed to determine details such as amounts, terms, and rates.


Lending Need

  • Loans For Start-Ups

  • Small Business Loans

  • Fast Business Loans

  • Bad Credit Business Loans

  • Working Capital

Lending Type

  • Credit Line Hybrid

  • Inventory Financing 

  • Merchant Cash Advances

  • Get SBA Loans

  • Equipment Financing

  • Term Loans

  • 401 (k) Financing

  • Commercial Real Estate Financing

  • Private Money

  • Crowd Funding

  • Hard Money

Get Qualified

  • Business Finance Suite

  • Funding Dynamics

What are Funding Dynamics™ and Why You Need it

Whether you will get a business loan is directly linked to what’s called Funding Dynamics ™. This is the ability of a business to get funding, and it includes everything from how your business is set up to how your company’s tax returns are prepared. The more Fundable your business is, the more likely it is you will get an approval. Greater Fundability also helps businesses get more money at better terms.

Which Loans are Best for Small Businesses

The best loans for your small business will depend on several factors. First, there is the question of how you can prove you will pay the loan back. Whether that’s through good business or personal credit, cash flow, or collateral—or some combination of these methods—will help to define what kinds of business loans a small business can qualify for.

For Businesses Where the Owner (or a Guarantor) Has Good Personal Credit

Our Credit Line Hybrid program works for entrepreneurs who are just starting their business as well as those who are already well established. Get credit cards, with approval for up to $150,000 in 0%, unsecured, no-doc, business financing with no collateral or cash flow requirements. This program helps you get funding based heavily on personal credit quality. As long as you can verify your business, lenders won’t ask for financials, bank statements, business plans, resumes, or any of the other document that most conventional lenders demand. Get approval with introductory rates as low as 0% for 6 – 18 months.

You can also use business credit to help you qualify. Some of these credit cards will also help build business credit as you use them.


Did you know you can get Business Loans & Credit Lines even when banks say "NO".  We show you how to do "Step By Step". 

We make borrowing easy for you and we help you position your company to not be turned down for funding when you need it the most.  Because we are not a lending institution we are able to offer much better options than most lenders.   The reason is because we work with hundreds of different lenders that offer unique loan programs that work for all different types of borrowers. 


There are so many different loan options today that it can easily become overwhelming, where you may not know which loan program or loan source to apply with. Conventional banks will only approve you if you have a well-established, profitable business.


Some alternative lenders will lend to you if you have a certain amount of revenue, while others only care about your personal credit quality. Some lenders will lend you money based on your collateral, and others insist you have excellent business credit to get approved.

With so many business loan options available today, do you know how to get the most amount of money at the best terms?

Our team at GOLD, our partners and our business finance suite platform pull together all legitimate business lending programs into one place. 

Local Business Manager
Delicatessen store

Our team at GOLD, our partners and our business finance suite platform pull together all legitimate business lending programs into one place. 


The United States Department of Revenue reported that most business loans and credit lines that are available today are not from the big conventional banks.  As a matter of fact, most business loans given out today come from alternative lenders and investors. 


Alternative lenders typically only offer 1-2 limited funding programs, ruining any chance of actually getting a good loan.  This causes a ripple effect minimizing the amount of money you can get if you don’t meet the necessary requirements of these specific and limited types of loans.

Don't worry, you're in luck.  At Gold, we work with all legitimate types of funding programs available today, offering funding through hundreds of investors and lenders through a multitude of different funding programs.  These lenders all offer their own different and unique lending requirements, so it’s tough to navigate these alone and know all your options… which is where we help.

Young Businesswomen

This gives you the best opportunity to get the most amount of financing, at the best terms.

Here are just a few of the most sought-after loan programs you can access through Gold Business Credit Services:

  • Credit Line Hybrid Financing (with PG) up to $150,000 -Even for Startups--

  • Business Revenue Lending and Cash Advances with 72 Hour Funding

  • Account Receivable Loans and Credit Lines with Rates of 2% and Less

  • Purchase Order Financing and Inventory Credit Lines

  • Securities and 401(k) Financing

  • Equipment Financing and Leasing for Purchase and to Refinance Existing

  • Equipment

  • Private Investor and Alternative SBA Financing

Here are some of the loan options available to you now:

  • Low-interest credit lines

  • Long-term conventional bank loans

  • Term loans

  • Cash flow financing up to $500,000 with no collateral or personal credit requirements

  • Unsecured financing up to $150,000, even for startups

  • Asset based lending with rates less than 5%

Restaurant Owner

Why is it a good idea to get the Gold Business Credit Finance Suite before applying for a loan?

When you work with Gold, you’re not working with a faceless and gigantic banking organization. Right away, you’ll be assigned to your own personal Finance Officer who will work directly with you to develop your Finance Blueprint with all the funding options you can qualify for now.

And, your blueprint maps out the steps to get you even more (and perhaps even better) loans and credit lines in the future. It’s easier when you know what they want and need and how to boost your own business credit profile.


Once you choose the funding you’d like from the options that you can qualify for, our team goes into action working with lenders and investors to get you approved.


Your Finance Officer helps you get approved, negotiates rates and terms, and helps you through all aspects of the funding process until your loan proceeds are in your bank account.

With our help, and when you know how, you can get a business loan or credit line:

  • Regardless of Personal Credit Score or Quality

  • Even with No Assets to Pledge as Collateral

  • Even with No Revenue

By working with all legitimate funding sources and a wide range of loans and credit lines, we can often get you approved for multiple loan and credit line options, maximizing the amount of capital you receive.

Would you like to know more about the Business Finance Suite? Click here

Business Owner in Workshop

By working with all legitimate loan programs and an arsenal of lenders, we can get you the most amount of business financing at the best terms. We often help clients secure multiple types of loans and credit lines through different sources to maximize approvals.

Plus, our team even negotiates lender rates and terms for you to ensure you get the best terms available.  We also use the volume of loans we close as leverage to get you even better terms. Your finance team works hand-in-hand with you, and directly with lenders to get your loan approved and closed quickly.

You can get funding in as little as 72 hours, and get rates even lower than 5% on some funding. In addition, you get an entire finance team of loan processors and Finance Officers who work together towards one common goal; getting you the most money at the best terms.

Contact us today to get loans and credit lines for your business, even when banks say “no”. 


Would you like to discover more about the Business Finance Suite? Click here

Do not allow the fear of the unknown keep you from getting started.  Learn here and throw out the excuses. 

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