At The JW Partners, we provide no minimum FICO and low credit scoring business capital loans for expansion, lines of credit, equipment financing, fix and flip and more.

Our products

Working Capital Loan APPLY NOW

A Working Capital Loan is short-term financing designed to help maintain cash flow and cover a business’s everyday operational expenses, such as payroll, rent, and inventory. Whether a business is navigating seasonal fluctuations or seizing a growth opportunity, a working capital loan can provide the necessary funds to keep operations running smoothly.

Minimum Qualifications:

4+ Months in Business

$10,000+ Monthly Gross Sales

NO Minimum FICO

What’s Needed:

Signed Application

4 Months Business Bank Statements

Fast Facts:

Same Day Funding

Up to 10-Year Terms

Amounts Up To $5 Million

No Use of Funds Limitations

No Collateral Required

Business Line of Credit - APPLY NOW

A business line of credit is a flexible financing option that allows businesses to borrow funds as needed, similar to a credit card. Interest is ​paid only on the borrowed amount, and funds can be used for various purposes like managing cash flow or covering unexpected ​expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.

Minimum Qualifications:

6+ Months in Business

$10,000+ Monthly Gross Sales

600+ Minimum FICO

What’s Needed:

Signed Application

6 Months Business Bank Statements

Fast Facts:

Same Day Funding

Amounts Up To $5 Million

Flexible Repayment Terms

Interest Only Paid on Amount Used

Used for Cash Flow Management

Term Loans - APPLY NOW

A term loan is a lump sum funding, repaid in fixed installments over a set period, often used for major expenses like equipment or business expansion. Term Loans can have a fixed or variable interest rate.

Minimum Qualifications:

2+ Years in Business

$10,000+ Monthly Gross Sales

660+ Minimum FICO

What’s Needed:

Signed Application

4 Months Business Bank Statements

Fast Facts:

Funding In As Little As 1-3 Days

Monthly Payments Available

Traditional APR

No Prepayment Penalties

SBA Loans - APPLY NOW

An SBA loan is a government-backed loan that can be used for starting or expanding a business. The loan has certain requirements for eligibility, such as size standards, providing the ability to repay and a solid business purpose.

Minimum Qualifications:

2+ Years in Business

$120,000+ Annual Gross Sales

675+ Minimum FICO

What’s Needed:

Signed Application

6 Months Business Bank Statements

SBA Questionnaire

Business Debt Schedule

3 Years Personal / Business Tax Returns

Previous Year + YTD P&L and Balance Sheet

Fast Facts:

Approved in 24-48 Hours

Up to 25-Year Terms

Amounts Up To $5 Million

Government-Backed Funds

Refinance Existing Business Debt

Equipment Financing - APPLY NOW

Equipment financing is a way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.

Minimum Qualifications:

No Minimum Time in Business

No Minimum Gross Sales

580+ Minimum FICO May vary based on equipment type

What’s Needed:

Signed Application

4 Months Business Bank Statements (if applicable)

Invoice of Quote for Equipment

Fast Facts:

Express Funding- In As Little As 2 Days

Low or NO Down Payment

1-5-Year Terms

Amounts Up To $5 Million

Monthly Payments Available

Commercial Real Estate Financing - APPLY NOW

Commercial real estate is property intended for business use. This includes office buildings, retail locations, warehouses, and industrial facilities. Commercial real estate transactions involve buying, selling, or leasing these properties to support business activities.

Minimum Qualifications:

650+ Minimum FICO

Necessary Property Documentation

Down Payment

What’s Needed:

Signed Application

6 Months Business Bank Statements

Property Details and Address

Fast Facts:

Potential for Income Generation

Hedge Against Inflation

Tax Advantages

Appreciation

Accounts Receivable Financing - APPLY NOW

Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.

Minimum Qualifications:

Aging Report Required

$500,000 Annual Gross Sales

NO Minimum FICO

What’s Needed:

Signed Application

4 Months Business Bank Statements

Aging A/R & A/P Report

Active Customer List

Fast Facts:

Express Funding- In As Little As 2 Days

Up To 10-Year Terms

Amounts up to $5 Million

Lower Interest Rates

Doesn’t Require Other Collateral

Fix & Flip Financing - APPLY NOW

Fix-and-flip financing is a short-term loan for real estate investors to buy, renovate, and sell properties, with funding based on the property's after-repair value (ARV).

Minimum Qualifications:

680+ Minimum FICO

3 successful flips in the last 36 months

What’s Needed:

Signed Application

4 Months Business Bank Statements

3 Most Recent Hud1 Statements

Fast Facts:

Rates Starting at 8.99%

Funding 80% of Purchase Price and 100% of Rehab costs

Monthly Payments

1-4 units

Franchise Financing - APPLY NOW

Franchise financing is a way for franchisees to obtain funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.

Minimum Qualifications:

6+ Months in Business

$10,000+ Monthly Gross Sales

NO Minimum FICO

What’s Needed:

Signed Application

4 Months Business Bank Statements

Equipment Invoice if applicable

Fast Facts:

Express Funding- In As Little As 2 Days

Up To 10-Year Terms

Amounts up to $5 Million

Flexible Terms

Residential Investment Property Financing - APPLY NOW

An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate to generate rental income.

Minimum Qualifications:

Prior History

Minimum Property Value of $250,000

650+ Minimum FICO

What’s Needed:

Signed Application

6 Months Business Bank Statements

Property Details and Address

Fast Facts:

Express Funding- In As Little As 20 Days

Same Day Pre-Approval

Rates Starting At 8.99%