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Our mission is to empower entrepreneurs to achieve their biggest business goals with proper funding. We help business owners find the credit, capital, and support needed to establish and grow a thriving business.

Get access to up to $150k in business credit lines, Traditional Financing such as SBA Financing, and the widest selection of Alternative Business Lending products. Plus we empower your growth with coaching, motivation and accountability, and a community of like-minded business owners. We go beyond just financing – we give you the tools and support needed to take your business to the next level. Let’s work together to fund your dreams a reality.

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The 4 Cs of Business Lending

February 25, 20251 min read

The 4 Cs of Business Lending are essential factors that lenders consider when determining whether a business qualifies for funding. Each "C" represents a different aspect of financial health or security that can make a business eligible for a loan. Here's a breakdown:

  1. Cash Flow: This is the most important factor. Lenders want to see that your business generates consistent, verifiable cash flow. If you have strong cash flow, you can qualify for various types of business funding, including Business Revenue Lending. Cash flow proves that your business can repay the loan.

  2. Collateral: If your business doesn't have strong cash flow, collateral can still make you eligible for funding. Collateral refers to the assets your business owns, such as equipment, purchase orders, or accounts receivable, which can be used as security for the loan.

  3. Business Credit: A good business credit profile and score can be another way to qualify for funding. If your business has established credit, lenders may base their decision on your business credit history, without needing to review cash flow or collateral.

  4. Personal Credit: If your business is new or lacks the other Cs, lenders may turn to your personal credit. This is particularly important for entrepreneurs who haven't yet established business credit. Your personal credit score will be used to determine your eligibility for unsecured funding.

In summary, while lenders prefer businesses with good cash flow, any one of the four Cs—cash flow, collateral, business credit, or personal credit—can help you qualify for business financing.

For more information on acquiring business funding, visit www.serenityfinancials.com.

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Frances Frazier

Frances Frazier is currently the CEO of Serenity Financials, LLC. At Serenity Financials, she specializes in helping business owners establish excellent business credit scores and then leverage those scores to access cash and credit for their businesses. Ms. Frazier is also the mastermind behind the release of the exclusive Business Funding Suite. The Business Credit and Funding Suite is the leading business cash and credit access system in the world today.

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Real results from business owners just like you

Cheryl Reisner, a former bank lender from Shreveport, Louisiana. The suite’s business credit building process unlocked more funding options than she ever imagined, opening up new possibilities for her business. Cheryl believes every business owner can benefit from the Business Finance Suite, as it revolutionizes how they operate.

Louis, a Miami-based business owner found success using the Business Finance Suite, which helped establish a business credit profile. This enabled them to apply for funding without using their Social Security number, eliminating personal liability for credit applications. The speaker highly recommends this program to fellow business owners.

Edward from El Paso, Texas, struggled to secure funding for his small businesses until discovering the Business Finance Suite. Within a month, the suite helped set up his business correctly, establish trade lines and revolving credit, and now he’s on track to receive funding. Edward guarantees it’s worth the investment and only wishes he’d found it sooner.

Brian praises the Business Credit and Funding Suite for its exceptional service and support. Within 3 to 4 months, he was able to secure $50,000 in funding for his business and plans to refer more clients, grateful for the help he received.

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