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Short-Term financing option for those looking to complete multiple projects at once. Up to 80% LTC

Schedule time to discuss your goals: Investment Purchase; Rental Purchase, New Construction, Equity - Refinance, Bridge Loan, or any other project you have in mind.

A 3-5 year term working capital loan is a type of loan that businesses use to cover long-term expenses, such as equipment purchases or inventory expansion. These loans are typically repaid over a period of 36-60 months. There are several benefits to using a 3-5 year term working capital loan, including: Flexibility: Working capital loans can be used for a variety of purposes, so businesses can use them to cover unexpected expenses or to grow their business. Affordability: Working capital loans are typically more affordable than other forms of financing, such as credit cards or lines of credit. Longer repayment terms: 3-5 year term working capital loans have longer repayment terms than other types of working capital loans, which can help businesses spread out their payments and make them more manageable. Improved cash flow: 3-5 year term working capital loans can help businesses improve their cash flow by providing them with the funds they need to cover long-term expenses. However, there are also some risks associated with using a 3-5 year term working capital loan, including: Interest: Working capital loans typically carry high interest rates, so businesses will need to factor that into their budget. Repayment: Businesses will need to repay the loan plus interest within the specified period of time. Collateral: Some working capital loans require collateral, such as personal assets or business equipment. Overall, a 3-5 year term working capital loan can be a helpful tool for businesses that need to cover long-term expenses or grow their business. However, businesses should carefully consider the risks and benefits before taking out a loan.

As a business owner, maintaining a good credit score is essential to financially support and grow your business. However, not all business owners understand how important it is to have a good credit score to qualify for an operating business loan. A good credit score not only helps you to secure better loan rates but also is a reflection of your business’ financial responsibility towards debt repayments. If you have a subpar business credit score and are looking to improve it, here are some things you should consider: Pay Your Bills Regularly and On Time Your payment history accounts for a significant part of your credit score. Making timely payments to your vendors, suppliers, and utilities reflects your business’ ability to manage its finances efficiently. Therefore, set up reminders to pay your bills as they become due, to ensure your payments are received on time. Reduce Your Debt-To-Income Ratio The amount of debt you have in comparison to your income, also known as your debt-to-income ratio, is another vital factor that affects your credit score. A high ratio, combined with a low credit score, can lead to lower credit limits, higher interest rates, and even declined operating business loan applications. To reduce your debt-to-income ratio, start by paying off high-interest credit cards and consolidating debts where applicable. Monitor Your Credit Utilization When you use your credit cards, you leave behind a record of your credit utilization, or the amount of credit you use vs. your total available credit limit. A high credit utilization ratio reflects poorly in your credit report and underscores that your business may be dependent on credit. Ideally, keep your credit utilization under 30% of your available credit limit. Check Your Credit Reports Regularly Your credit score is based on the records maintained by credit reporting bureaus. These reports contain information about your credit history and payment trends. It is essential to keep an eye on these reports regularly, as they can contain errors or omissions that can affect your credit score negatively. Review your reports at least once a year, especially when seeking an operating business loan, and be sure to dispute any inaccuracies with the credit bureau. Build a positive credit history A lack of credit history can also negatively impact your credit score. To start building a positive credit history, get a business credit card, and use it responsibly. If you have existing loans, ensure you pay them timely with the minimum due showing up in your credit report. You can also ask your suppliers and vendors to report positive financial histories to credit reporting bureaus. Final Thoughts Improving your business credit score is a continuous process that requires attention to detail and financial discipline. While you may not experience an immediate boost to your credit score, implementing these steps can greatly help your business qualify for operating business loans and secure better lending terms and rates in the future. Remember, a better credit score reflects financial responsibility and can unlock new opportunities for your business. Publisher Details: Monumental Funding Solutions www.monumentalfundingsolutions.com Looking for a way to take your business to the next level? Look no further than Monumental Funding Solutions. Our innovative approach to financing and business development can help you achieve monumental growth and success. Visit our website to learn more.

Monumental - Starting your own business is a dream for many people. It can be a rewarding experience but does come with risk. One of the biggest risks of starting your own business is financial risk. You may need to invest your own money to get your business off the ground, and there is always the possibility that you will lose money. This is why most business owners start with at least six to twelve-month reserves in case they are not able to take money out of the business immediately. Another risk is that your business may not be successful. There are many factors that can contribute to the success or failure of a business, and even if you do everything right, there is no guarantee that your business will be successful. This is why marketing and budgeting is so important now that you have your own business. Marketing is important to remain visible to customers looking for your service or product. There is a saying, "You can have the best product in the world and it doesn't matter if no one can find it" so to make sure your potential customers can find you when they need you. Despite the risks, starting your own business can be a lot of fun. It is a great way to be your own boss and to control your own destiny. There is always a conference or business networking meeting going on somewhere in most cities. It is also a great way to learn new things and to meet new people. If you are thinking about starting your own business, it is important to do your research and to have a solid business plan in place. It is also important to be prepared for the risks involved. However, if you are willing to put in the hard work, starting your own business can be a rewarding experience. There are four main types of business formations: sole proprietorships, partnerships, corporations, and limited liability companies (LLCs). Each type of business formation has its own advantages and disadvantages, and the best type for you will depend on a variety of factors, including your personal financial situation, your business goals, and the laws of the state in which you plan to operate your business. Sole proprietorships are the simplest and most common type of business formation. To form a sole proprietorship, you simply start doing business. You are the sole owner of your business, and you are personally liable for all of the business's debts and obligations. This means that if your business is sued, your personal assets, such as your home and car, could be at risk. However, sole proprietorships are also the easiest and least expensive type of business to form and maintain. Partnerships are similar to sole proprietorships in that they are easy and inexpensive to form and maintain. However, partnerships differ from sole proprietorships in that they have two or more owners. Like sole proprietors, partners are personally liable for all of the partnership's debts and obligations. However, partnerships can also offer some limited liability protection. For example, if a partner is sued, the other partners may not be held liable. Corporations are more complex and expensive to form than sole proprietorships and partnerships. However, corporations offer limited liability protection for their owners. This means that the owners of a corporation are not personally liable for the corporation's debts and obligations. Corporations also offer the ability to raise capital more easily than other types of businesses. LLCs are a hybrid of sole proprietorships, partnerships, and corporations. LLCs offer limited liability protection for their owners, like corporations, but they are also easier and less expensive to form and maintain than corporations. LLCs are also more flexible than corporations in terms of how they are managed and operated. The best type of business formation for you will depend on your individual circumstances. If you are starting a small business with limited financial resources, a sole proprietorship may be the best option. If you are starting a business with multiple owners, a partnership may be a good choice. If you are looking for limited liability protection and the ability to raise capital, a corporation or LLC may be a better option. It is important to consult with an attorney and accountant to determine the best type of business formation for you. They can help you understand the advantages and disadvantages of each type of business formation and help you choose the one that is right for you. Introducing New Services: Texas MLS Access, Website Design, Business Formation Our network includes products like, but not limited to: • Commercial Real Estate Lenders • Commercial Real Estate Lines of Credit • Small Business Term Loans Merchant Lending • Invoice Factoring • Unsecured Line of Credit #monumental #funding #lending #business

Monumental - Today we are going to dive into the best states that we recommend buying your first, or next investment along with a few options we have for you to consider along the way. Whether it be a fix and flip, rental, or office we are going to point out the biggest pros and cons of purchasing in some of the most flourishing states. There are still several good options for secured working capital should you want to go that route. Real Estate will always be the best investment you can make and the current market is returning great margins for those who own property. What makes a state the top prospect to grow your portfolio? The top prospective candidates to invest, at the moment, considering the following characteristics: Median Purchase Price (MPP) - The Median Purchase price of a state is based on the median sales price of homes in the state during the previous or current market, depending one what data is available. Population Growth Rate (PGR) - The average rate of change of population size. This is based on a yearly basis. Employment Gains (EG) - Employment growth or decline. 1. Florida - With a population of around 22 million people Florida boasts the eigth-most populated state in America. It is also a top destination for retirement and vacation, but property prices have not gotten out of control, yet. You can still purchase a property here for about $6,000 above the national median-price. The cost of living is 2% cheaper than national average. Median Purchase Price - $403,800 Property Value Appreciation - 24.1% Population Growth Rate - 1.9% increase (1st) Employment Gains - 5.2% Click Here for Mortgage Calculator 2. Texas - Located in the south-central United States, Texas is the largest of the 48 contiguous states. As of 2022, Texas has joined California as the only two states that hold populations of more than 30 million people. Due to its size, it also falls on multiple climate zones with milder winters along the southern border and colder temperatures in the pan handle. The Lone Star State boasts a housing occupancy rate of 88% and about 20% of the population are renters, according to the Texas Apartment Association. The job rate and population growth rate has shown an upward trend consistently and currently sits at 3.7% and 1.8%, respectively. Texas was 3rd in the nation in population growth behind only Florida and Idaho. Median Purchase Price - $351,000 Property Value Appreciation - 20.5% Population Growth Rate - 1.8% increase (3rd) Employment Gains - 3.7% Click Here for Texas Realtor® 3. Arkansas - Known for it's abundant park and wilderness area, Arkansas terrain encompasses mountains, caves, rivers, and hot springs. There is plenty of opportunity for Real Estate investors with low median purchase prices to appreciating home prices at 15.3% yearly. Arkansas has much to offer in terms of jobs; As greater Little Rock, Northeast, and Northwest Arkansas continue to develop, professionals are needed to fill positions in a wide-range of fields, including technology and agriculture. Median Purchase Price - $254,100 Property Value Appreciation - 15.3% Population Growth Rate - .6% increase (17th) Employment Gains - 1.1% Click Here for Mortgage Calculator 4. Idaho - Located in the Northwestern United States, Idaho is known for its mountainous landscapes, and vast swaths of protected wilderness and outdoor recreational areas. With a strong state economy and growing population, Idaho, is a great place to consider acquiring your next investment property. Top markets in Idaho include Boise, Twin Falls, Eagle, Coeur d`Alene and Idaho Falls. Median Purchase Price - $398,900 Property Value Appreciation - 38.2% Population Growth Rate - 1.8 increase (2nd) Employment Gains - 3.03% Click Here for Mortgage Calculator 5. Georgia - A Southwestern U.S. State whose terrain spans coastal beaches, farmland, and mountains. Atlanta has been on the top 20 national list of best cities to invest for years and the growth rate is consistently greater than the national average. Top Markets in Georgia include; The West End, Midtown, Castleberry Hill, Old Fourth Ward, Clayton. Median Purchase Price - $246,000 Property Value Appreciation - 22.4% Population Growth Rate - .43% decline Employment Gains - 3.72% Click Here for Mortgage Calculator 6. Indiana - In the Midwestern United States, Indiana, is the 38th largest state by area and 17th most populous among the 50. Indiana is an economic powerhouse state in the Great Lakes region. Top markets in the state include; Indianapolis, Fort Wayne, Evansville, South Bend, and Bloomington. Median Purchase Price - $186,000 Property Value Appreciation 17.4% Population Growth Rate - .29% increase Employment Gains - 2.4% Click Here for Mortgage Calculator 7. Illinois - A Midwestern state bordering Indiana, Illinoise, the "Prairie State", has a bustling real estate market. The top markets in the state of illinoise are suggested as follows: Naperville, Chicago, Near West Side, Ottawa, and Forest Lake. Median Purchase Price - $240,000 Property Value Appreciation - 13.6% Population Growth Rate - .08% increase Employment Gains - 3.18% Click Here for Mortgage Calculator 8. California - A western US state, California stretches all the way from Mexico's northern border and up the Pacific coast about 900 miles. Successful investors recommend Strip Malls, Rental Complexes, and Single Condominiums as those fit to fatten your wallet and your portfolio. Median Purchase Price - $685,000 Property Value Appreciation - 21% Population Growth Rate - .3% decline Employment Gains - 3.85% Click Here for Mortgage Calculator 9. Iowa - Sitting between Missouri and the Mississippi River and known for it's rolling hills and corn fields Iowa's growing population and real estate market offer a great opportunity for large returns on the proper investments. Median Purchase Price - $162,000 Property Value Appreciation - 11% Population Growth Rate - .3% decline Employment Gains - 2.8% Click Here for Mortgage Calculator 10. Alabama - A southeastern state bordered by Tennessee (north); Georgia (east); Florida and the Gulf of Mexico (south) and Mississippi (west). Over the last decade Alabama has averaged around 0.24 in growth rate for homes while the national annual home value appreciation rate was 0.13 during that same period. Median Purchase Price - $165,000 Property Value Appreciation - 4.7% Population Growth Rate - .5% increase Employment Gains - 2% Click Here for Mortgage Calculator In our opinion, these states lead the Nation in regards to property investment, due to the positive indicators and recent market trends showing a good rate of return for investors while the employment gains continue to grow to pre-Covid levels. Investors in these states are more likely to see higher returns from their portfolio of properties but all investments are individual transactions and you should seek professional advise to be made well aware of any associated risk with your investment. As you may notice these states all have a very different formula for success and there is no right and wrong formula but with the combination of success in the right markets drive profit and most importantly, confidence for your investments. All buyers are not built the same either, just like the landscapes on this list you may be looking for something specific and considering if the state you have been researching fits the bill of a "good investment". Real estate investment is generally considered a long-term investment but there are short term strategies that also work in successful real estate markets such as fix and flip, wholesale and others that you should speak to someone in the local market about that is knowledgeable on what direction the market may be heading. While there is no right or wrong formula for your next investment, this list we have composed is exactly what we feel is highly should be considered and serve as a great place to get started when considering your next investment move. Before investing, do your research! By Monumental Solutions 1/12/2023 Monumental Funding Solutions, LLC offers the comprehensive capabilities and deep industry knowledge necessary to help you solve the most complex issues of your organization. Since opening our doors in 2017, we’re proud to say that each year we have a bigger list of returning and new clients. Monumental Funding Solutions is Committed to Our Valued Clients and Partners Monumental Solutions is a United States-based lending network and Consultation Firm committed to providing the best there is to offer in lending resources & capital financing solutions. We focus on delivering some of the best loan products available and have developed a smooth process to bring our clients the best financing options with zero upfront costs! Book Online!

Business Loan Network - Secured & Unsecured Working Capital Welcome to Monumental Funding Solutions, your partner in Unsecured Business Loans, Commercial & Non-Owner Occupied Commercial Real Estate. ​ Since opening its doors, Monumental Funding Solutions has supported numerous clients and continues to deliver top solutions for business owners looking for working capital loans. Most of our partners can deliver unsecured working capital directly to your business checking as soon as the same day you apply. Our clients and partners have helped us be one of the most powerful funding networks in America. We are committed to being the best in commercial lending & customer service for all-size businesses. We have helped hundreds of business owners looking to secure working capital for their next project. Through our trusted network of partners, excellent customer service & proven results Monumental Funding Solutions helps businesses receive funding from one of our partners. Our network includes these options and more: Commercial Real Estate Loan Commercial Real Estate Lines of Credit Small Business Term Loans (Up to $100,000) Merchant Lending (Up to $1 Mil) Invoice Factoring & Accounts Receivable Personal Loans Up to $10,000 - Immediate Same- Day Funding Available! Employee Retention Tax Credit Assistance Connecting Business Owners to Business Capital You can always expect the very best in customer service and alternative lending to fit your current needs from Monumental Funding Solutions' diverse lender network. Our transparent application process makes getting you an answer, approval, and funding easy. Business owners and entrepreneurs looking to access working capital can find the right funding solution through our exclusive lender network. We are experienced and highly proficient in getting our clients the best funding options available. ​ We offer a variety of solutions with transparency and a team that is committed to being there every step of the way throughout your process on any current or future projects you wish to discuss. Our applications are secure and generally processed within 24-48 hours of receiving them. Any and all offers will be sent directly to your email for you to accept and complete. Businesses looking to find financing without the hassle of going into the traditional bank should speak to our representatives soon regardin g business capital solutions. What to Expect You can expect the absolute best in customer service and alternative lending to fit your current needs from Monumental Funding Solutions' diverse lending network. Our transparent application process makes it easy to get an answer, approved, and funded! Business owners and entrepreneurs looking for access to capital can find the right funding solution through our exclusive network. We are experienced in getting our clients top funding options for each unique stage of business. ​ We offer complete transparency and a team committed to being there every step throughout your process on any current or future projects you wish to discuss. All submitted applications are secure and processed generally within 24-48 hours of receiving them. Any offers will be sent directly to your email for you to accept and complete. Benefits of using Monumental Funding Solutions Exclusive Alternative Lending Network Short & Long Term Financing Top-Rated Lending Programs! Excellent Customer Satisfaction Ratings! Wide Variety of Programs Available! Fast, No-Hassle Process Online Account Management Funding is available in as little as 24 hours. 01 Apply in Minutes 02 Speak to Agent 03 Send Business Documentation 04 Receive Conditional Approval & Funding Terms Still Have Questions? Send us a message and we’ll get back to you shortly. Email Subject Your message Send Thanks for submitting! If you need to speak to someone right away, please call 888-332-2882. Check Out These Cool Resources! Instant Approvals - Personal Loan Up to $35,000 Free Credit Repair Consultation

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PRODUCTS & SERVICES Commercial Real Estate Loan Up to 30 year mortgage on investment property. Book Now Commercial Real Estate Line of Credit Short Term for New Construction, Rental Purchase, Refinance, Cash-Equi... Book Now Small Business Term Loans Short Term Working Capital Loan Book Now Short-Term Business Loan Short Term Loan - Same Day Funding Free Free Book Now Business Solutions Solutions for business owners in all stages. Book Now STRATEGIC PLANNING SESSION Grow Your Business We examine what organizations are doing to stay relevant and competitive in this fast-paced world, and which ones are doing it best. We then strategize using smart tools and global resources in order to understand the implications of every choice our clients can make. Get in touch to learn more about how this service can help you. BRANDING & POSITIONING ANALYSIS Achieve Your Goals With years of experience, our staff has the capabilities and expertise to take your business to the next level. At Monumental Funding Solutions, LLC, we combine our insights and skills to transform your processes and strategies, and in turn, your company. We’re proud to help shape and improve how our clients structure and manage their business.