Stated-Income Business Lines Of Credit


We offer a solution for borrowers seeking financing without the hassle and uncertainty of traditional lending – it’s a Stated-Income Business Line of Credit. This program offers a hassle-free experience for both real estate investors and business owners who need access to credit without having to worry about the time, costs, and documentation requirements.

There is no income verification, no financial documentation, and is 100% unsecured which means there is no collateral requirement. Also, since this credit line does not report to your personal credit report it will not affect future financing transactions. Whether you’re a business owner seeking working capital or an investor who wants to fix and flip, or fix and hold, this program allows you to have an open credit line to make repairs or improvements for small current and future projects.

The Stated-Income Business Line of Credit bypasses practically all major obstacles and lets you stay on track to accomplish your goals.



Credit Lines: $20,000 - $150,000


Some lenders offer 0% interest for first 6 – 12 months

After introductory period ends, rates start at 8.99%

Credit Requirements:

If you have a 700+ FICO, no co-signer is required

If your credit score is between 400 – 699 FICO, a co-signer will be required and must have a 700+ FICO. The co-signer does not need to be affiliated with the business.

No Upfront Fees

One time fee after approved for LOC

No income verification

No financial documentation required

No collateral required, this is an unsecured program

All industries are eligible

Credit lines WILL NOT report to your personal credit report

Business must be active for a minimum of 1 day

Must have a legal US entity (LLC, Corporation, etc.)

Apply Now:

(FYI: You will pull your personal credit report. The pre-qualification form provides instructions about pulling your Tri-Merge credit report and saving it in pdf format. The cost is only $1.00 for 7 days. This represents a trial period. After you pull your Tri-Merge credit report, cancel the trial.)  

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Line of Credit Financing:
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