Hereβs the Business Credit Version of a HARD Money Loan (But Cheaper, Faster & No Docs) π³ποΈ
Flipping houses usually comes with:
β 10%-12% interest
β 1-3 points upfront
β Tax returns, income docs, appraisals, and slow closing
Also most hard money loans fund 70%-90% LTV.
But what if I told youβ¦
Thereβs a faster, cheaper, and more flexible option that requires:
β
No income verification
β
No W2s or tax returns
β
0% interest for 12β18 months
β
And approval in as little as 5β7 days
π‘ Itβs called Business Creditβ¦ and it works like a private hard money lineβwithout all the BS.
Hereβs a real-world breakdown
π π‘ $200K Property
π₯ Use a DSCR loan at 80% = Bank covers $160K
π³ You liquidate $40K in business credit for the down payment
πΈ Pay a 6% fee on the liquidation = $2,400
π οΈ Then use additional business credit cards to pay contractors directly for the rehab (most accept cards or simple invoices)
β
No equity partner
β
No private money lender
β
No docs
β
And you keep 100% of the upside
π Once the flip is done or the BRRRR is complete, you refinance, pay off the business cred, and move on to the next deal.
β οΈ This strategy lets you keep deals moving without waiting on underwriters, partners, or hoping a PML comes through.
If you want 100k-200k in 0% funding with no docs, w2s, or tax returns. Book a call below, all you need is 700+ score and good credit.