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04-24-2026, 01:16 PM #1Noob
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Term Loan for Restaurant with 7 months TIB
I have a client whose doing about 25k-30k a month in revenue with his restaurant and only wants to do a monthly payment structure. He's looking for 15-20k and has no existing positions.
Is there any program that supports something like this? His time in business is only 7 months and his credit is around 650.
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04-24-2026, 01:22 PM #2Senior Member
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- Apr 2020
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04-25-2026, 03:29 PM #3Senior Member
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- Nov 2021
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- Brickell Miami FL, Office is in Post Falls, ID 83854
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- 237
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05-06-2026, 01:11 PM #4Member
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- May 2026
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Term Loan for Restaurant with 7 months TIB
Our tib is 6 months min.
We’re actively funding A–C paper with the following guidelines:
Funding Overview:
* Deal Size: $10K – $350K (larger deals considered case-by-case)
* Positions: 1st – 5th
* Terms: 3 – 11 months (12–44 weeks / up to 220 days)
* Buy Rates: 1.30 – 1.39
* Broker Compensation: 10 – 12 points
* Origination Fee: 5 – 6%
Minimum Requirements:
* Time in Business: 6+ months
* Monthly Revenue: $20K+
* FICO: 500+
* Max Negative Days: 5
* Minimum Deposits: 5
* Stips: Driver’s License, Voided Check, AR, or Credit Card Processing Statements
Auto-Declined Industries:
* Auto Sales
* Real Estate / Development / House Flipping
* Collections & Credit Repair
* Financial Businesses
* Law Firms / Attorneys
* Religious Organizations
If you’d like to discuss a partnership or send deals, feel free to call or text me directly . I’m available 24-7
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05-27-2026, 07:00 AM #5Senior Member
Reputation points: 11048
- Join Date
- Jun 2020
- Location
- Missouri
- Posts
- 109
Tom Harrier
Integrity Commercial Loans, LLC
407-928-8542
[email protected]
www.integritycommercialloans.com
Licensed Florida Real Estate Broker
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05-27-2026, 01:49 PM #6Member
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- Mar 2026
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- 16
Breakout may be able to help with that request if they’ve filed their taxes and can show a profit.
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05-29-2026, 02:46 PM #7Member
Reputation points: 1226
- Join Date
- Aug 2021
- Posts
- 16
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