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Dedicated to excellence and service.
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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Dedicated to Finding You The Best Funding
Get the expert guidance you need to find the best funding option for your growing business. Let’s create the perfect funding plan to get your business the money it needs to grow!
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The 5 Cs of Business Credit
The 5 Cs of business credit are a set of criteria that lenders use to evaluate a business's creditworthiness. They provide insight into how risky a loan might be, guiding lenders in their decision-making. Here's a breakdown of each of the 5 Cs:
Character
Character refers to the business owner's personal and professional history, reliability, and trustworthiness. Lenders assess character through factors like personal credit history, work experience, education, and even past business performance. This subjective factor can be influenced by the relationships you've built with the lender, which is why having a solid relationship with your bank or lender can be beneficial.Capital
Capital is the amount of money the business owner has personally invested in the business. Lenders want to see that you have a financial stake in your business because it indicates your commitment and confidence in its success. The more personal capital you have invested, the more attractive your business is to potential lenders, as it reduces the lender’s perceived risk.Capacity
Capacity refers to the business's ability to repay the loan according to the agreed terms. Lenders will review factors such as your cash flow, income statements, payment history, and the financial health of your business. They may also consider any personal guarantees and the financial situation of those providing them. This demonstrates whether your business has the resources to service the debt.Collateral
Collateral is an asset that you pledge as security for a loan. If your business fails to repay the loan, the lender can seize the collateral to recover their loss. Common forms of collateral include equipment, inventory, real estate, or other valuable assets. Offering collateral can increase your chances of loan approval and may help secure better loan terms.Conditions
Conditions refer to the external factors that could influence the loan approval process. This includes the current economic climate, the state of your industry, and the purpose of the loan. For example, loans for expansion in a struggling industry may be seen as riskier. Lenders may also consider the broader economic environment, such as whether the economy is in a recession or experiencing growth.
Each of these factors plays a critical role in how lenders assess your business's creditworthiness and ability to repay the loan. Understanding them can help you prepare better when seeking financing for your business.
To learn more about business credit and funding, visit www.serenityfinancials.com.
Testimonials
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.
