BCCUSA MONTHLY PAYMENT LENDING PROGRAM For MCA Consolidations & Bridge loans
The BCCUSA program was formed to help small businesses save up 75% on debt payments while preparing them for Bank eligibility and long-term success.
MCA Consolidation Program
The Fundsolidation Program is not based on monthly deposits and cash-flow like MCA ‘loans.
It is based on earnings (net the cost of capital from MCA’s), existing debt on a balance sheet, credit, and the realistic path to Bank lending. These tailored credit facilities have monthly payments with 18-month-24-month amortizations (payback terms), with anticipated ‘exit payments.
Accordingly, the due diligence documentation requests are exactly like those banks insist upon plus the original MCA contracts, with current amounts owed. Mindful of the strain small businesses are under when faced with multiple ‘positions,’ Fundsolidation will offer pre-approvals or declines within three business days of full submissions.
To ensure the best results, the program includes a consultation engagement with Business Credit Consultants (www.bccusa.com). This acclaimed nationwide advisory helps small businesses thrive by preparing them to secure monthly payment loans and credit lines with banks and much more. View their Case Studies: many speak directly to MCA ‘loan’ consolidation.
MCA Consolidation Program Guidelines
Monthly Payment Consolidation Guidelines
- Entities must be 2+ years in Business.
- Facilities from $50k-$1M
- No cash-out requirement
- Businesses must demonstrate profitability without MCA debt.
- Guarantor FICO score 600+
- Files are fully underwritten with following documents needed for consideration:
Documentation needed:
- 2 years corporate and personal tax returns
- YTD profit and loss (within 30 days of submission)
- Balance Sheet & Debt Schedule
- Contracts from existing MCA positions
- Personal Financial Statement of guarantors
- 12 months of Corporate Bank Statements (all accounts)
Preliminary approvals or declines within 2 business days and closing (when applicable) typically within 20 business days.
BCCUSA (powered by our AI Business Loan Qualification Suite Lendotics), connects Entrepreneurs to Banks motivated to establish lending and deposit relationships.
PROVIDING THE FOUNDATION FOR SMALL BUSINESSES TO FLOURISH
- Your application gets to the right hands – at the right bank for your business.
- Our partnership with Lendotics, the AI powered Business Credit Qualifier, validates our recommendations to institution partners.
- This process saves time and personalizes the Business Lending experience.
The small business borrowing process is broken, but BCCUSA is here to change that. We understand the frustrations business owners face when searching for working capital solutions. That’s why we have created a revolutionary system that reinvents the way businesses borrow.
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