Startup Capital
Also categorized as an Unsecured Personal Loan
 
Having enough capital for Start-Up Costs can be challenging.

Most Conventional Lenders consider any new venture to be more of a risk than for a business that is already producing revenue.
 
We work with specialized lending sources that will work with individuals that have other positive compensating factors:
 
  • Excellent Personal Credit      (Minimum Score 680)
  • A Low Debt to Income Ratio (40% or less)
  • Provable Source of Income (W2, 1099 or Other Income Sources)
Qualified Borrowers are eligible for 2X their verified personal income.
 
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SBA Loans

Small Business Administration (SBA) loan programs are drafted in agreement between lenders and SBA agencies.
SBA loans and SBA Express loans are a useful option for many SMBs.

Borrowers use these programs when looking for lenders for their small businesses. Lenders appreciate SBA loan programs because the SBA shoulders some of the risk for the lender by guaranteeing a portion of the loan amount.
Because of that guarantee, lenders are able to offer more flexible payment terms and lower interest rates than most small businesses would otherwise be able to get.

In order to better understand your loan request and determine eligibility under the SBA 7a Loan Program, you will need to provide the following information:
 
  • 2021, 2022, and 2023 Federal Tax Returns on the Subject Business
  • 2024 Interim Financial Statement on Subject Business (Profit and Loss/Balance Sheet)
  • Current Business Debt Schedule on Subject Business 
  • SBA Form 413 for all Principals with a 20% or More Ownership Interest (see attached)
  • 2021, 2022, and 2023 Federal Tax Returns for all Principals with a 20% or More Ownership Interest
  • Copy of Purchase & Sale Agreement (if available)
  • Management Resumes 

(Please do not submit handwritten forms.  All PDF application documents will be sent to you and need to be filled out electronically)
You will be receiving a OneDrive link to securely upload these documents.

 
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Working Capital

You can receive a lump sum of working capital to use for your business. This is a hassle-free financing option where a fixed payment amount will be automatically deducted from your business bank account every day, week, or month. You can get a small business loan as small as $10,000 or as large as $500,000 and receive funding in as little as 24 hours. 
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Collateralized Working Capital

HOW T0 QUALIFY 
 
  • Minimum 600 Credit Score.
  • Photos of all 4 sides of Equipment
  • Photo of Odometer (If Applicable)
  • Condition Report
  • Our 1 Page application completed by any owners with 25% share or more.
  • Rates starting at 6/6.5% for A tier customers.
  • Early buyout available. Interest will be waived depending on which buyout customer gets approved for. (Some Banks are willing to waive the majority of interest if paid off early.)
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401K Rollover Loans
 
HOW TO ROLL EXISTING FUNDS INTO A NEW
BUSINESS OR FRANCHISE. 


1. FORM A CORPORATION 
Loan Star Capital will connect you with help to form this corporation or work
with your attorney during the formation process.

2. CORPORATION SPONSORS A 401(K) PLAN
This unique 401K Plan has been
designed to allow for investment into your corporation.

This 401K Plan has been pre-approved by the IRS.

3. ROLLOVER TO A NEW 401K PLAN
You will have help through the process
of moving your retirement funds from your previous employer’s 401K or IRA into the new 401(k) Plan.


4.  401K PLAN INVESTS IN THE CORPORATION
Your new 401K Plan purchases stock in the corporation.

This 401K Plan now holds stock in the corporation and
the business is debt-free and cash-rich from the sale of
the stock.


At this point, the corporation will now be able to purchase your new business or franchise.

You invest some portion of your retirement funds in your business, giving
you more control over the performance of your retirement plan assets.

You use a safe, proven plan, based on long-standing provisions of the
Internal Revenue Code.

You gain business equity and an improved cash flow position from the start.

You accelerate business profitability by managing the amount of debt
your new business takes on.

You secure funding fast - typically 3-4 weeks or less.

You can set aside tax-deductible retirement savings up to $58,000 per year.

For those age 50 and over, an additional $6,500 can be contributed ($64,500
total).*

You optimize business equity and value.
 
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Equipment Financing

Acquiring the right equipment for your business requires extra working capital. Our equipment financing option can help you purchase or lease new or pre-owned equipment that’s crucial for running your business. There are no limitations; only YOU decide what equipment your business needs. You can get up to $500,000 in funding to finance virtually any type of equipment.
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Learn More About Your Financing Options