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Client FAQ’s

Daniel BensonDaniel Benson
I contacted The Funding Company after being turned down by mortgage and private money lenders. They helped me obtain the $85,000 I needed to purchase a killer investment property. All within 10 days.
Ben DetmireBen Detmire
I was able to save my business by obtaining $125,000 in funding. I didn't even have to secure it against my equipment
Susan LarkinSusan Larkin
We received our first $25,000 in the first 4 days. That allowed us to invest in a project that earned us a return of three times the investment. Thank you TFC!

Client FAQ’s

Q1:  Will we need to pay any upfront charges with your personal funding services?

A:  No upfront fees or application fees are charged on any of our services?

Q2: How many trade lines/credit accounts will I need to have reporting on my credit in order to qualify for funding?

A: You will need at least 3 open and active Primary trade lines on your credit report.  Trade lines should be at least 1 year old however 2 years are preferred.

Q3: Can a co-signer be used when applying for a personal loan?

A: No, a co-signer may NOT be used.  Whoever is on the loan application must meet all qualifications for funding.

Q4: What is the minimum credit score required to obtain a personal funding?

A: Your credit score must be a minimum of 680.  In addition your credit profile must also meet other basic qualifications.

Q5: Can I still qualify for a loan with a Bankruptcy on my credit report?

A:  Yes, BK must be at least 5 years old.

Q6: A prequalification evaluation will take approximately how long?

A: Prequalification’s typically take 24-48 hours, not including weekends and holidays.

Q7: How long does it take to complete the personal funding process?

A: Depending on the amount of requested funds, it takes about 2-5 days for us to complete our submissions.  It then takes approximately 2-10 business days for the funding to arrive after the date of approval.

Q8: Will Income documentation be needed for personal funding?

A: Income documentation is not needed on 99% of loans.

Q9: Is there an ALL cash funding option?

A: No, our personal funding comes in the form of major bank issued personal lines of credit and cards- such as: Visa, MasterCard, American Express and Discover. Once funded we can provide some tips and guidelines for the liquidation process, to convert credit to cash. Must be approved for at least one cash-line to liquidate.

Q10: When will I be required to pay the fees for you providing the personal funding services?

A: Payment is due within 24 hours upon receiving each funded line. We will provide you with written instructions regarding payment of each credit line.

Q11: What forms of payment will you accept for payment?

A: We collect our backend fee via several methods of payment:  PayPal, Credit Card Charge Authorization Form, Online Balance Transfer, and Direct Deposit.

Q12: Can you do personal funding using only my Equifax credit file and not Experian or Transunion?

A: We can do personal funding using only Equifax credit or only Experian.  We do not provide funding with Transunion only.

Q13: What is the max amount of funding I can obtain?

A: Based on the strength of the personal credit file we can fund up to a maximum of $200,000.00

Q14: Will you be removing credit inquiries from my report following funding?

A: No, we do not provide removal of credit inquiries.

Q15: What is the minimum amount of funding available through your personal funding services?

A: The minimum amount of funding we will submit for is $20,000.  However approvals can come back lower than that amount.

Q16: Do you provide credit repair services?

A:  We do not provide credit repair services, however, we do provide referrals for credit repair services.