[MissouriBroker1]

The client has averaged $86,600 for the last three months, TIB 3 years, 626 FICO, needs line of credit or term loan to free up money to purchase new inventory, as his money is tied up when he buys a vehicle while the title work is being completed. He is seeking $75,000. Located in TN.

[AFARI Group]

Thank you for sharing the details. Based on the information provided, this client appears to be a strong fit for either a working capital line of credit or a short-term term loan.
With average monthly revenue of $86,600, 3 years time in business, and a 626 FICO, a $75,000 request is well within range for many alternative and non-bank lenders. The use of funds is straightforward and sensible—freeing up cash flow for inventory purchases while capital is temporarily tied up during vehicle acquisitions and title processing, which aligns well with typical underwriting requirements.

The client’s Tennessee location poses no issues. The next step would be a review of recent bank statements and cash flow to determine the most suitable structure (revolving line of credit vs. fixed-term loan) and to optimize terms and pricing.

If this makes sense for us to explore further, feel free to reach out so we can discuss next steps.

Best,

Alfonso Farinas Jr
Founder, AFARI Innovators LLC
[email protected]
786-352-3539

[PBFLLC]

If they own any property that has equity in it, owner-occupied or investment, we can do a business purpose HELOC and pay off the MCAs on a 30 year term with a fixed rate. And it is a HELOC, so they can go back to it. PM me with any questions and good luck!!