My bank said “at least two weeks.”

Liberty Funding said,

“you’ll have the 

funds tomorrow.” 

And I Did.

Our Approval Process

At Liberty Funding, our goal is to maximize the likelihood that your financing gets approved and also make sure you get your funds fast. 

Everything we do works towards quickly getting your money into your hands.

In 24 Hours or Less! 

Just One Phone Call!

No Collateral!

No Personal Guarantee!

Minimal Paperwork!

We Help Businesses That Traditional Banks Won’t 

 

Traditional banks often make it difficult to secure financing. It is often said that the best time to get money from a bank is when you don’t need it. With Liberty Funding, it is the polar opposite. Our preferred borrower is someone who actually needs the funds quickly and has a good reason to put it to use immediately. It does us no good to provide financing for a business that is not going to use it! 

 

Liberty Funding Vs. Traditional Banks 

Provides financing when you need it most 

Get approval immediately over the phone 

Get cash within 24 hours of approval 

Approval decision based on cash flow 

No need for personal guarantees 

No need for collateral 

No minimum personal FICO score required 

Minimum documentation required 

Reviewed by humans who try to understand your needs 

Difficult to get financing during tough times 

Wait 2-4 weeks for approval 

Wait several additional weeks for funding 

Approval decision based on hard assets 

Personal guarantees required from all owners 

Business (and sometimes personal) assets pledged as collateral 

Minimum personal FICO Score typically required 

Extensive documentation required 

Reviewed by a computer model 

How The Approval Process Works

  • Brief Explanation of Business
  • Your Entity Type
  • Your Annual Revenue
  • Requested Cash Amount
  • Planned Use For The Cash
  • Disclosure of Other Outstanding Loans
  • Approximate Personal Credit Score

At the end of the phone call (or within three hours of receiving your online application) we’ll be able to give you a general idea of how much cash you are qualified for and what repayment terms we would be able to offer. 

STEP 2

Within a couple of hours of the verbal explanation you will receive a 

formal contract along with the list of documents we need from you to finalize the deal.


Simply sign the contract and email us back the scanned documents that were requested .

STEP 3

Upon receipt of the documents and the signed contract, we will wire over the funds that same day. It’s that easy!

Increased Chances of Approval 

 

Because we’re not a bank and not bound by their restrictions, our approval rates are much higher than the norm. We have the ability to be flexible and focus just as much on the management team as we are on the business economics. In all fairness, our rates may be higher than a traditional bank – but that is only because we are willing to take on significantly more risk. So if you have been denied from other banks or need funds quickly, chances are we can structure something that will work for you!

25% 

According to a recent article in the Washington Post, the odds of getting your loan approved when applying at a large bank is 25%.

49% 

According to the same Washington Post article, your chances improve to 49% if you’re dealing with a small bank. This is due in large part to their focus on SBA loans, which typically require weeks of documentation and personal guarantees from all owners.

80% 

At Liberty Funding, we’re able to provide financing for 80% of the merchants that apply. The reason is very simple – since we’re not bound by the regulations and requirements of large banks we’re able to make decisions based on cash flow (as opposed to assets) and be much more creative in our financing solutions!

APPLY NOW


Apply today and receive your approval in as little as 24 hours!

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