The SBA is Now Lending to Established Businesses Based on Credit Alone!

Who Qualifes?

Program Highlights

If your credit score is over 700 and your business' yearly revenue is above $100,000, we can fund an SBA loan for your business in just two weeks!

Even if your business is showing losses or has declining revenue, we don’t care!

​This loan is based on credit and revenue alone.

• Previously borrowed an SBA, EIDL, or PPP loan? Not an issue!
• Monthly payments — not daily or weekly.
• No collateral? No assets? No problem!
• No government fees under $500,000.
• $150k draws twice per year, every year.
• ​Working Capital! No cash flow requirements.

What Documentation is Required?​

All Radix needs for pre-approval:

• 2 years of business tax returns.
• 700 credit score (exceptions down to 650).
• A quick and easy application. ​

We don’t even collect year to date financials or bank statements!
​
It’s so easy you’ll barely feel like you’re working with the government!

Program Rules

• Loan amount equals 30% of top line revenue on the last filed business tax return, up to a maximum of $150k
• Businesses can get up to 2 loans every 12 months, waiting 90 days in between apps
• Loans can only be used for working capital
• Guarantor’s credit score must be 700 or higher
• ETRAN minimum is 175
• The guarantor must not have any open tax liens, judgements or back taxes owed (Exceptions can sometimes be made for taxes in a payment plan with no lien)
• The guarantor cannot have credit card debt exceeding $75,000
• All standard SBA eligibility criteria still apply
• The guarantor also can’t have any prior criminal charges
• We’re not doing any franchises through this program
• Borrowing business cannot contain an ESOP (Employee Stock Ownership Program or Trust)
• Borrowing business that owns real estate directly in the business are not eligible (owned personally or through a seperate entity are no issue)
• Borrowing business may not have more than 5 owners
• Borrowing business owners may not own more than 5 other entities

Apply today!

The Radix Difference

​In 2022, over 90% of our clients funded to 11.75% or below.
 
In 2022, over 90% of all businesses that refinanced debt also withdrew working capital.
 
In 2022 over 90% of our loans were over 100% Loan to Value.