Let Us Take Your Business
Where it Needs to Be

Fast and flexible funding solutions to fit your needs
Unsecured . No Upfront Fees . Minimum Documentation

$10k – $5Million Funding

We are able to meet all of your funding needs, whatever they may be.

Fast Approvals

Get approved in 24 hours or less and cash in your bank account in no time.

No Personal Collateral

Get the funding that you need without risking your personal assets.

All Credit Types

Whether your credit has been bruised or is gold-bond, we can help.

Fast Working Capital for your business

At Fairfax Funding, we help you to quickly secure small business funding, including loans, working capital for any purpose and startup funding to help launch your business. Our mission is to help you to get the capital that you need to make your business grow and thrive. We understand the challenges that you face everyday as a business owner, from not having enough cash to cover invoices, increase inventory, expand marketing and meet payroll, to needing additional equipment and tools that will take your company to the next level. We pride ourselves in making the funding process fast and hassle-free. You focus on running your business; we’ll focus on getting you the funding that you need.

Helping your small business meet its funding needs

When it comes to finding the best small business funding source for your capital needs, look no further than Fairfax Funding. Our commitment is to quickly deliver the services that you need in a timely fashion, without unnecessary hassles. Each funding situation is different, so a “one size fits all” approach will not work in every case. Because we work with multiple direct funders, we are able to accurately find the best solution for your unique needs, which frees up your time to concentrate on your business. Put us to work for you today!

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  • Attorneys
  • Automotive Repair
  • Auto Dealerships
  • Bars & Nightclubs
  • Beauty Salons
  • Bookstores
  • Car Washes
  • Child/Adult Care
  • Clothing Stores
  • Construction Equipment
  • Day Spas
  • Dental Practices
  • Entertainment
  • Fast Food
  • Franchises
  • Home-based businesses
  • Gym/Health & Fitness
  • Gift Shops
  • Liquor Stores
  • Manufacturing
  • Medical Practices
  • General Services
  • Veterinary Practices
  • Nail SalonsPet Stores
  • Non-profits
  • Schools
  • Restaurants
  • Retail Businesses
  • Seasonal Businesses
  • Contractors
  • Transportation
  • Logistics
  • Sporting Goods

Large or small, we fund them all!

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Our Programs

Small Business Loan

When banks say “No!”, our lenders just love to say “Yes!”. Sometimes  all you need is a quick loan without the strict credit requirements, endless hassles, large amount of paperwork and waiting weeks for an approval that may never come. You do not need to go through this nightmare. Our lenders understand how small businesses operate and they know all about the urgent need for a fast infusion of cash. You can be approved in only a few hours for between $10,000 to $500,000. Loan requirements are extremely flexible, with terms of 3 – 18 months. Better yet, no collateral is required and your personal credit is not an issue, since loan decisions are based primarily on your business’ performance, and less on your credit. Let us help you to get the funding you need!

Basic Loan Requirements

Unlike banks, our loans are based primarily on the financial health of your business, and less on your personal credit.

  • 1+ years in business
  • Last 4 months business bank statements
  • Last 4 months credit card processing statements
  • Current on business rent and residential mortgage
  • $10,000 minimum deposits
  • No more than 5 NSF items or 10 NSFs in the past 3 months
  • No more than 3 negative balance days in the last month, or 6 in the past 3 months
  • Tax liens (if any) OK, if payments are current and in a documented payment plan
  • Bankruptcies (if any) should have been discharged for 2+ years

Apply Now

Merchant Cash Advance

With a Merchant Cash Advance, you will have the cash that you need without the pressure of having a fixed payment amount to meet each month. Our lenders will give you an advance on your future transactions, and then hold back a small percentage as remittance as sales come in on a daily, weekly or bi-weekly basis. This type of flexibility is not offered by banks, and is designed to satisfy your need for a short-term infusion of cash, without interfering with your cash flow, since your sales determine your remittance amount.

Merchant Cash Advance Requirements:

A Merchant Cash Advance depends more on the performance of your business, and less on your personal credit. Because of this, we can fund merchants with as low as 500 FICO.

  • Completed application
  • Last 4 months bank statements
  • Last 4 months credit card processing statements

Apply Now

Unsecured Startup Capital & Line of Credit

Finding startup capital is one of the most frustrating problems that entrepreneurs face. Our funding partners work directly with multiple lenders that are very active in the startup and early stage funding arena, and are able to help you in securing the funds that you need to launch your dream business. The application process is very simple and the requirements are basic as well. Business financials are not required. Lenders offer lines of credit up to $250,000. Let us help you to get the funds that you need for your startup.

Startup funding

Pre-Qualification

To pre-qualify for an unsecured line of credit, our processors first need to verify your credit score. Visit CreditCheckTotal.com and enroll in their 7-day trial membership for $1.00 (one dollar). You will then provide us with your login credentials so that we can verify your score. This website will show your combined credit score without having it shown as a hard inquiry on your credit file.

Unsecured Business Credit Cards with Line of Credit

If you are a startups or early stage business owner (6 months or less), we can help you to raise the capital that you need. The Unsecured Business Credit Cards with Line of Credit program is just the tool that you need to bring your dreams to life. You will receive several business credit cards with amounts ranging from $5,000 to $250,000.  The cards typically have an introductory rate of 0% APR, for 12 months as well as the ability to easily move funds from the cards and into your business account, while maintaining the 0% APR.

To get started with an unsecured line of credit, you only need:

  • FICO score of 680 or better
  • No derogatory marks within the last 6 months
  • No judgments, collections, or tax liens in unpaid status
  • No current bankruptcies
  • At least 1 established bank credit line, minimum $2,000 limit or real estate mortgage
  • Limited recent credit inquiries
  • Reasonable debt: credit ratio

Upon successful funding, you will be required to pay a 10% success fee from the total amount funded. These funds will be due only after you have received your funding.

Apply Now

Unsecured Line of Credit

For established businesses, the ‘No Doc’ Unsecured Line of Credit program is  an excellent funding option. Low interest lines of credit offer the business owner to access funds as they need and only pay interest on actual funds that are used. Funding amounts range from $5,000- $250,000, and the average credit line is $100,000.

Business Officer Requirements (At least one corporate officer must meet the following criteria):

  • No financial documents required
  • 680+ FICO credit score
  • No derogatory marks within the last 6 months
  • No judgments, collections, or tax liens in unpaid status
  • No current bankruptcies
  • Entity must be established 2+ years
  • Gross annual revenue, Stated: $500k+ (exceptions available for $300,000- $500,000)
 Upon successful funding, you will be required to pay a 10% success fee from the total amount funded. These funds will be due only after you have received your funding.
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Equipment Leasing

Leasing the equipment that you need to operate, grow and profit is a smart decision. For starters, you get the immediate advantage of having the equipment without any large outlay of valuable cash to acquire it.

Leasing offers many big advantages not found with other financing options. From a tax standpoint, your payments may be seen as an expense item, rather than having the equipment capitalized or depreciated over time. Furthermore, you have the added advantage of seamlessly upgrading your equipment every 3-5 years as the technology improves, giving you greater efficiency, which directly affects your bottom line. Let us know what your equipment needs are, and we’ll do the rest. Our application process is very simple and our deals are funded fast.

Consolidation Loan

Do you have multiple outstanding loans that are strangling your cash flow? A consolidation loan will pay off your existing loans and trim all of those payments into just one smaller payment. Same day approvals with payoff in 2-5 days. Contact us today to see how a loan consolidation could immediately benefit your cash flow situation. Let us help you to get the funding you need!

Basic Loan Requirements

Unlike banks, our loans are based primarily on the financial health of your business, and less on your personal credit.

  • 1+ years in business
  • Last 4 months business bank statements
  • Last 4 months credit card processing statements
  • Current on business rent and residential mortgage
  • $10,000 minimum deposits
  • No more than 5 NSF items or 10 NSFs in the past 3 months
  • No more than 3 negative balance days in the last month, or 6 in the past 3 months
  • Tax liens (if any) OK, if payments are current and in a documented payment plan
  • Bankruptcies (if any) should have been discharged for 2+ years

Apply Now

Asset-Based Loans

An Asset Based Loan allows you to use almost any equipment or other property to quickly loosen up the working capital that you need. Loans are made against the value of almost any asset, and your credit score is not an issue. Loans range from $5,000 – $1Million. Just let us know of the asset that you wish to use as a security, and how much you need. We are ready to help you with your funding needs!

Asset-Based Loan Requirements:

An asset based loan depends more on the value of asset and less on your personal credit. Because of this, we can help to fund merchants with as low as 500 FICO.

  • Completed application
  • Last 4 months bank statements
  • Last 4 months credit card processing statements

Apply Now

Invoice Factoring

Does your business generate invoices for future payment, but you need cash now? Our invoice factoring program is the perfect solution for you to convert your current NET 30/60/90 accounts payable invoices into instant cash that you can use right away. No more waiting to get paid! Simply present your unpaid invoices and receive instant cash, wired to your business bank account. It’s that easy! Stop sweating for dollars by converting your invoices to instant cash today!

Real Estate Investor Loans

We have teamed-up with some of the best lenders in the investment real estate loan arena, to make unlimited amounts of funds available to investors. Loan requests from $25,000 to $100 million or more are welcome and are ready to close quickly.

Our target real estate scenarios include:

  • Fix & Flip – short term financing for the purchase and rehab of 1-4 family properties
  • Multi-family residential – Funding for purchase, rehab or refinance of 5+ family properties
  • Rental portfolios – Long term financing available for multiple rental properties
  • Mixed use & Commercial properties – From offices to warehouses and everything in between
  • Construction – Short term capital available for construction on property owned free and clear.

Bring us your investment\commercial real estate funding needs and we’ll do the rest!

 

Real Estate Investor Loan Guidelines:

Most of our lending partners focus more on the qualification of the property itself, than on your personal credit in order to make a positive funding decision. Just tell us what you are looking for and we will do the rest to get you the funds that you need to tackle that project.

Funding Requirements:

At bare minimum, all that we require to get the ball rolling is your completed application form. We will inform you of any additional documents that the lender may need to bring the deal to a successful close.

Consumer Sales Financing

If you sell a product or service to consumers, then you know how it feels to lose sales because the prospective customer did not have the cash or available credit to do business with you. For big ticket products or service, most consumers base their buying decision on the monthly payment amount, instead of the full price. Now you can offer your customers a variety of payment options, such as 90 days same as cash, 6 or 12 months interest free plans, revolving credit, and up to 60 months payment terms. No credit check options are also available. Just submit the simple credit application using your computer or tablet, and your customer is approved in seconds. You are paid in 24-72 hours. Ring up another sale!

consumer sales financing

Easy Standard Financing

  1. Login to your Secure Portal via a Computer or Tablet.
  2. Enter the Customer Credit Information.
  3. Enter loan amount from $200 to $35,000.
  4. Wait for Approval as the system scans through multiple lenders that best fits your customer’s credit situation.
  5. Choose 90-Days, 6 Months or 12 Months Same As Cash Promotion.
  6. Customer Answers Five Questions to Confirm their Identity.
  7. Customer E-Signs to Acknowledge Loan Terms.
  8. Copies of Signed Loan Terms are emailed to Customer.
  9. Product or Services can be delivered immediately.
  10. From Start to Finish this procedure will take 3 to 5 minutes.

Funds are Direct Deposited to your current
Business Bank Account usually within 48 Hours.

There is a one time setup fee of $495 required to get started.

Your Business Benefits

  • Increase sales and customer loyalty.
  • A custom credit card with your business name and logo, which is great for branding and repeat business, is available.
  • Great up-sell opportunities.
  • No equipment to buy or lease.
  • Fast approvals – usually in just seconds.
  • No post-dated checks required.
  • NO LONG TERM AGREEMENT OR LEASE TO SIGN FOR MACHINES YOU DON’T NEED.

 

Customers Benefits

  • The customer’s credit score is not affected.
  • Instant credit with no down payment.
  • They can buy immediately after approval.
  • Low credit score approvals.
  • Get what they want when they want it.
  • Able to purchase the better quality they want.

Thank you for helping us to raise the capital that we needed to move our business forward. The funds came faster than we thought and we are very pleased.

Restaurant OwnerWorking capital

I have been trying to find money to launch my new company for the past year, without much success. A friend referred me to you and with your help, I got a bit more money than I thought that I could. I was very surprised at how little paperwork it took to be approved! We are finally up and running and I can't thank you enough!

EntrepreneurBusiness Startup

As a non-profit organization, finding capital to keep things moving is extremely difficult for us. Fortunately, we saw your ad at the time when we needed cash the most, and decided to give you a try. Our board agrees that the outcome exceeded out expectations, and we can now continue to serve our community. Thank you!

Non-profit OrganizationChurch and school