About Us
WHO WE ARE
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.
Live Expert Coaching and Support
Personalized Funding Strategy
24/7 Online Access
OUR EXPERTISE
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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Bank Credit
Banks have their own internal way of scoring and rating businesses credit worthiness. They do this through a system called bank ratings. It rates the creditworthiness of a business from the bank’s perspective.
Key Concepts in Bank Credit:
Bank Credit refers to the total amount of borrowing capacity available to a business through the banking system.
Bank Ratings: Banks assess a business's creditworthiness using an internal scoring system, which ultimately determines how much credit they are willing to extend to that business.
Account Balance Requirements: To achieve a high bank rating and secure financing, businesses need to maintain a certain level of account balance over a period of time.
Bank Rating System:
The bank rating system is based on the average daily account balance over the past three months, and it follows this scale:
High 5: Balance of $70,000 to $99,999
Mid 5: Balance of $40,000 to $69,999
Low 5: Balance of $10,000 to $39,999 (This is considered a good rating and is ideal for securing loans.)
High 4: Balance of $7,000 to $9,999 (Lower rating, harder to secure financing.)
Mid 4: Balance of $4,000 to $6,999
Low 4: Balance of $1,000 to $3,999
Tips for Improving Bank Credit:
Maintain a $10,000 average balance: Having a consistent balance in this range can secure a Low-5 rating, which is favorable for getting bank loans.
Bank Reference: It is essential to have at least one bank reference, which shows the bank's positive evaluation of your business.
By following these guidelines and maintaining the necessary account balance, businesses can improve their bank ratings, making it easier to access bank credit and financing options.
For more information on acquiring business 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.
