Commercial and Residential Financing for Business Owners

GET THE FINANCING THAT YOU NEED

WE CAN HELP AND SHOW YOU HOW

Looking to buy an investment property?
Thinking about getting a line of credit for your business?
Need to buy a business?
Need to refinance your investment property?

Let us help you. We will help you get the financing that you need and a cost that you can afford.
We are probably your greatest cost effective option for this service. Some of our competitors are charging clients up to 15% of the total amount financed!
That is outrageous and unfair to you!

$2,000,000 Commercial Credit
Purchase
Refinance
Cash Out Refi
No Taxes Required
Get you cash in 30 days!
Click here to get started.

ANNOUNCING PROGRAM CHANGES!
We have made some BIG changes to our unsecured business line of credit report.

#1 SECRETS OF THE UNDERWRITERS

We have made changes to our Secrets of the Underwriters programs by making available an additional three reports. We are adding two existing reports, Guide to the Government Records and IRS NAICS Codes, and adding a new abbreviated Lender Listing. Just go to Secrets of the Underwriters to order.
- Added: LENDER LISTING
This is an abbreviated report of our Lender Listing and Guides. It is the same report without the application templates, state listing or contact names. It does provide a list of lenders and the type of programs that they offer. There is also hyperlinks that will provide you with the lenders online branch locators. There are over 30 lenders/programs listed in this report.
- Added: GUIDE TO GOVERNMENT RECORDS
This report will help you locate and review the government records that the lenders will also search when you apply for financing. We have made available a simple to use directory to locating the required government records. We realized the the information listed in the report was not as easy for a small business owner to research as it was for us since we did it every day.
- Added: IRS NACIS LISTING
This report is a valuable resource for determining the correct NACIS code for your company's taxes. The report breaks down the information that an underwriter uses to to process a an unsecured business line of credit.

GET THE CASH YOU NEED, NOW!

If you need cash and do not have the time to find it, we can help.

Do not take a NO from a lender! There is cash available for you that is fast and easy.

DO NOT FEAR... BECAUSE HELP IS FINALLY HERE.
Do you fear taking the time and making the effort of getting a loan for cash?
Are you or have you been discouraged of being denied for a loan?
Do you know what is required for a loan?
Do you know how to fill out the forms?
Can you speak the language your banker speaks?. Do the loan officers make you feel stupid?
Have a hard time proving your income?

WHO WE ARE.

Aquila Business Services, LLC, located in Aurora Colorado USA, is a finance engineering company that provides solutions and experience in commercial and consumer lending, while specializing in non-traditional financing. We work with home owners and business owners with their unique situations and match them with the best lending program to meet their needs. We work with you in the areas of credit score, business structuring and consulting on lending sources.

A strong American economy depends on successful small businesses!

Being a business owner you know that a thriving economy depends on a thriving small business market. That is why our company focuses on the programs that best suit the needs of small businesses. Our goal is not only to grow your business but also to strengthen our nations economy. We feel that if your small business can benefit from our services then we all can benefit from a strong economy.

WHY USE OUR SERVICES?

Borrowers are turning to us to consult and present their loan proposals to lenders with them. Why? Because borrowers have already been turned down by banks and lending institutions. They already wasted their time and lost the battle of the red tape. Their time is too valuable to spend it shuffling paperwork and sitting in a bankers office.

The success of our service is based on the fact that we know the challenges you face, credit issues, corporate structure, the profit loss on your reported taxes encouraged by your CPA and other items. We know and feel your pain.
We are your perfect match between you and the lending sources.

EASY CASH PROGRAM: STATED INCOME AND STATED ASSET PROGRAMS FOR BUSINESSES

We want you to have a solution not to have more headaches. There needs to be a convenient way for small business to access large amounts of money. The access of this money also needs to be free of pain.

Our programs are the solution to many cash problems encountered by small business. This is an opportunity to get financing without having to supply tax records to prove your income and assets.

Our programs allow you many options like, obtain up to $300,000 with unsecured lines of credit, or purchase a building up to $1,000,000, or refinance a building with cash out.

ADVANTAGES OF STATED PROGRAMS?

It's a simple process and a fast way to get cash.

Our process relies on personal credit score, as the determining factor for approval and rate, not piles of paperwork. Our commercial mortgages rely on personal credit score and property value for the approval process. Since the requirements are basic the forms are simple and they can be processed very quickly.

With the lines of credit you can expect to get your funds in about 10 business days. Funding of our secured commercial mortgages takes usually 45 days.

WHY NOT SAVE YOURSELF THOUSANDS OF DOLLARS

We would like to introduce you to our Do It Yourself Unsecured Business Line of Credit Programs because you are a successful business owner and have worked hard, and continue to, to earn your money. Why on earth would you want to pay a loan broker thousands of dollars to get you money when we can help you for only a few hundred dollars?

We have been helping clients obtain unsecured business lines of credit for a few years and we even used to be consultants for our competition and we were overwhelmed with the fees that the clients were paying. We even tried to offer the same services at a much lower rate (3%) and we still felt guilty getting paid on the projects.

What it came down to was that the "bad" borrowers were burning up time and resources of the broker's office, so they would turn around and raise their rates to get compensated for their loss. What this would mean in reality is that the "good" borrowers who would be able to get the financing would end up paying for all of the wasted overhead by paying a high rate of 10% or more plus application fees of $2,500.

That is crazy. It also is unethical. The lenders, due to FDIC guidelines, are not supposed to be working with clients that use brokers that charge a percentage of the amount financed. It allows for too much opportunity for fraud. However, the brokers finagle their away around sand tell you not to tell the banker and that is a lie. If you do not believe it and you are working with our competitors just ask the the bank officer if you can talk to their manager about this.

We are even being attacked by our competition because we have dared to do this.

We take on your financing project in a whole different approach. We want you to be able to get your money on your own. We have a history of over $12,000,000 of financing in unsecured lines of credit and we want to share it with you. We want to be able to educate, train and empower you to get your own financing. We will work with you and consult you on how to get the financing yourself and how to get financing later on in the future.

We will supply you with the needed material and at the same time teach you EVERYTHING you need. We will show you how to look at your credit, corporate structure, tax filings, debt and everything else you will need.

The materials will show you all of the required documentation and educate you on the terms and lingo of the lenders. Some of our clients have commented that they actually knew more than the bank officer did when they sat down to finally close the deal.

We can help you contact the lenders initially before you submit to get some input from the lender to help avoid any unnecessary credit checks. Our competition has been known to complete for you the applications (which you do not see) and broadcast it to 10 or more lenders hoping for a lender to bite. This means that you would have your credit checked 10 times and have no idea what is going on.

We will give you all of our reports that we provide with the report program and walk you through the process. However, you may want to purchase the reports individually and go through the process ourself and save some some cash if you can afford the time.

Just go to Do It Yourself Business Line of Credit Assisted Program and order your program today.

FEATURED ARTICLE

Unsecured Line of Credit is a great way to create security.

If you need extra funds for your business, whether it is for the remodel of office space, inventory needs, an unsecured business line of credit is a viable way to get cash.

To make it through a tight cash time they can be used like a credit card to get the needed required cash or to even complete a project.

The unsecured business line of credit programs tend to be simpler in application requirements than the standard term loan or any other finance option available They allow the owners of the company to borrow against the line with flexible guidelines.

Programs and requirements to qualify vary from lender to lender. In general the initial qualification is based on the owners personal credit score and industry risk level. Approval amounts tend to be based on the Gross Sales amount of the company. Businesses can also get multiple lines of credit to allow access to more money.

The documentation that is required also varies from lender to lender. There are also three different programs available.

The first program that is offered is the Stated Unsecured Line of Credit Program. This program requires basically, a two page application, credit check on the owners, proof of ownership, and proof that the business has been legally in business for about two years or longer. The Stated Programs allow the business owner to get the unsecured line of credit approved and ready to use in as fast as five days. The program allows the business owner to declare all cash involved with sales not just what the taxes say. In general all business owners have to have at least a personal score of 660. The dollar amount approved tends to fall in the 10% to 20% range for each lender.

The second program is the Streamlined Unsecured Line of Credit Program requires the same information of the Stated Program and includes a 4506 or 4506T form. These forms allow the lenders to check and pull their own copies of taxes on the borrower. Be careful of this because if your application does not reflect close numbers to what the taxes show, you could be in a situation of fraud with the bank. A warning we would like to declare is that some lenders call their program a Stated Program when in fact you sign a 4506 or 450T at closing, so in reality it is not a Stated Program but a streamlined Program. This program allows the borrower to get access to a higher amount of approved dollar amount, which is about 15% to 20%.

The third program is a Fully Documented Unsecured Line of Credit Program. The Fully Documented Program allows for the business owner to get the greatest amount of money but it takes a longer time and requires more documentation. Typically the documentation required is two years of both personal and business taxes, sometimes three years taxes, Year to Date P&L statement, Personal Finance Statement, and the last three current months of business bank statements. This program allows the borrower to be approved at a higher percentage of gross sales then the other programs, in general 20% to 30%.

Interest rates vary and are based on the lenders perception of risk. The interest is calculated only on the amount that you actually use. You might get approved for a $100,000 unsecured line of credit but it does not mean that you owe interest on that amount, you only owe the balance and interest on the balance. The interest rates are favorable over credit cards because they are typically lower, prime plus 2% is average.

The debt will not show up on the borrower's personal credit score if the business has a separate Tax ID number that is different than the borrower's social security number.

Look for experienced counselors who can help you through the whole process. Work with counselors that know the products, programs, and lenders. Do not work with counselors that charge a fee based on the loan amount approved. It has been our experience that these type of counselors are not working within the lenders guidelines and they are not supposed to be charging an outside fee based on the loan amount. Many of these counselors or brokers charge up to 15%.

Your Loan Office