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What We Do
We connect you with lenders.

Our team of dedicated loan specialists helps borrowers choose the right loan product and submit all the required paperwork in order to secure working capital for you as fast as possible.
Lenders and Investors that partner with MyMortgage4Less.com represent first-class firms that have been carefully selected based on the quality of their product, their reputation in the industry, and their willingness to offer preferred terms and rates to our clients.
The process of simply walking into “your bank” for a loan doesn’t always work… and in many cases, it isn’t even the best choice for a large number of businesses.
We understand that lenders and investors have very specific lending criteria and they usually focus on niche markets… One lender might never lend money to retail businesses, but the bank down the street specializes in lending to retailers. There is no lender that “does it all”, it is simply impossible… We only connect business owners to lenders that have a high likelihood of approving the application. Our proprietary underwriting process is engineered to match borrowers (based on their answers to a short list of questions) to lenders (based on their specific loan criteria) that meet their specific needs.


Startup Funding

MyMortgage4Less.com’s start-up financing program connects entrepreneurs and small business owners with $25,000 – $150,000+ in Unsecured Business Lines of Credit. This program can provide you with funding in as little as 10 days and is typically offered with 0% interest financing for the first 6-18 months.
What are the Benefits?
•    The funds can be used for Any Purpose
•    The funds are available for All Industries
•    The Unsecured Business Lines don’t report to Personal Credit
•    Unsecured Start-Up Financing gives your business an increase in working capital without giving up equity or tying up your business (or personal) assets
•    It allows you to take advantage of vendor discounts and extend credit to customers on large orders
How Does It Work?
This program requires a Personal Guarantor with strong credit. All we require is an updated personal credit report. We’ll have underwriting feedback regarding your qualification into the program and a prequalification amount of funding you can obtain within 24 hours. You will begin receiving the unsecured business lines of credit in as little as 10 days.
Who Qualifies?
There is NO time-in-business requirement, NO tax return requirement, NO collateral requirement and NO business financial record requirement. The only requirement for you or your credit partner is strong personal credit. In order to qualify, you or your credit partner need:
•    680 or better FICO score
•    No bankruptcies or foreclosures
•    No judgments, collections or tax liens in unpaid status
•    No late payments or derogatory credit marks for past 24 months
•    At least 3 established credit lines; 1 or more with $5,000+ limits
•    Less than 50% usage of Credit Card limits
Unsecured Start-up financing gives your business an increase in working capital without giving up equity or tying up your business (or personal) assets.
MyMortgage4Less.com offers a wide variety of solutions and our experienced professionals will present you with the best fit for your needs, budget and business profile.


Small Business Loans

Take advantage of MyMortgage4Less.com’s relationship with the Nation’s top SBA Lenders. Our Certified SBA Consultants & Professional In-house Underwriting Team will pre-underwrite, package and place your deal with the lender that best suits your needs.
What is SBA Lending?
The Small Business Administration (SBA) is an Agency of the United States Government authorized to provide business loans to American Small Businesses. SBA loans are actually underwritten and offered by regulated banks, credit unions or community-based lenders that meet the SBA’s criteria. The SBA provides the actual lender with a guaranty from 50%-90% of the loan amount to reduce the lender’s risk of default by the borrower, thereby increasing access to financing for small businesses. The SBA has a variety of loan programs which are distinguished by their different uses of the loan proceeds, their dollar amounts and the requirements placed upon both the borrower and the lender. The most common SBA programs are the 7(a) Loan Program and the Certified Development Company or 504 Loan Program.
What are the Benefits?
•    Funding amounts up to $5,000,000
•    Low Interest – Interest Rates Controlled by SBA Program Mandates
•    Long-Term Funding: Maximum of 25 years for Real Estate; up to 10 years for Equipment, up to 7 years for Working Capital
•    Government Backed Provides Access to Financing Otherwise Not Available
How Does It Work?
Similar to any traditional bank financing, the financing request is evaluated by an SBA authorized lender against a number of key criteria. In addition to the amount of funding sought, the expected use of the funding and the size/nature of the business, the most important of these criteria are typically; the business borrower’s credit, their personal injection of money into the business, their collateral to help secure the loan, their experience in the type of business they are looking to finance and their secondary income (separate from that expected from the new business).
The initial underwriting process requires a detailed review of the borrower’s credit, their financial data (including assets), and a well-developed business plan and financial projections. If the initial results of the review appear positive, more formal underwriting and due diligence occurs. The entire process typically takes 45-120 days or more to achieve funding.
Who Qualifies?
Most every SBA-guaranteed loan program uses the same basic qualification criteria of size of the business, the nature of the business, the use of proceeds and the credit and personal assets of the business and its principal owners (see www.sba.gov to review). In addition:
•    Every loan must be for a sound business purpose
•    There must be sufficient invested equity in the business (typically 1/5-1/3 of the desired loan amount) so it can be financially sound
•    Every loan must be secured by all available assets (both business and personal) until the recovery value of the assets equals the loan amount or until all assets have been pledged to the extent they’re available
•    The owners must be of good character and reputation
•    All loans should be sound enough to reasonably assure repayment
The SBA provides the actual lender with a guaranty from 50%-90% of the loan amount to reduce the lender’s risk of default by the borrower, thereby increasing access to financing for small businesses.
MyMortgage4Less.com offers a wide variety of solutions and our experienced professionals will present you with the best fit for your needs, budget and business profile.


Equipment Financing

MyMortgage4Less.com is able to help you get the equipment financing you need to grow and maintain your business. The benefits of this financing model are numerous and include: low rates, fast approval, tax advantages and a wide variety of lease types.
What are the Benefits of Equipment Financing & Leasing?
•    Likely Tax Advantages under IRS 179
•    Finance Rates as Low as 5%
•    Flexible Payback Terms from 3 Months – 5 years
•    Numerous Types of Leases (True, FMV, $1 buyout, etc.) for All Businesses
•    Fast Approvals – Often Same Business Day
•    Less Documentation and Faster Funding than Other Options
What is Equipment Financing?
Equipment leasing is basically a loan in which the lender buys and owns equipment and then “rents” it to a business at a flat monthly rate for a specified number of months. At the end of the lease, the business may purchase the equipment for its fair market value (or a fixed or predetermined amount), continue leasing, lease new equipment or return it.
The most common types of leases are fair market value (FMV) and dollar buyout leases. Businesses that choose to work with an FMV often obtain equipment that quickly depreciates in value. Dollar buyouts are ideal for ideal for those who plan on keeping their equipment at the end of the lease term. Other types of available programs are wrap leases, business expansion, refinancing, new business programs, sale lease backs and working capital loans.
How Does It Work?
If you need equipment or technology infrastructure to help your business grow without using your working capital or business credit lines, equipment financing is the answer. In addition to preserving cash flow, leasing offers tax advantages, helps build and maintain good business credit and allows your business to remain competitive and efficient. Almost any kind of equipment your business needs can be financed, including medical and dental, commercial vehicles, industrial equipment, computer hardware and/or software, restaurant and catering equipment, office furniture, telephone systems and more.
For leases less than $100,000, the client provides MyMortgage4Less.com with a simple, one-page credit application and information regarding the cost and type of equipment. Leases greater than $100,000 generally require a full financials package. Many times credit approval will occur that business day, and funding usually occurs within 24-48 hours after delivery and acceptance of the equipment.
Who Qualifies?
Leasing rates are based upon your credit history, the cost and type of equipment and the term structure you want. There are lease programs available across a broad range of credit profiles, industry types and time-in-business ranges – from start-ups to mature companies.
MyMortgage4Less.com offers a wide variety of solutions and our experienced professionals will present you with the best fit for your needs, budget and business profile.


 looking for loans and the lenders that are actually lending money.


Who We Are: We are small business finance advisors.

MyMortgage4Less.com provides financial solutions for small businesses. We help fund start-ups, early-stage growth companies, and seasoned businesses.

We work directly with local, regional and national lenders, non-bank lenders, as well as private and institutional investors that have the capital you need.

Our goal is to position your business for access to capital so you can start, build or grow your business.

(866) PCA - 9651


Free Consultation Request



What is Asset-Based Lending?
Asset-Based Lending is financing that is secured or collateralized with one or more business assets (inventory, accounts receivable, machinery, equipment, etc.). It utilizes the value of these business assets to provide loans from $250,000 – $10,000,000+. Many small businesses don’t understand the sheer extent to which they can leverage their business assets and cash flow to maximize funding amounts.
How Does It Work?
Similar to a bank revolving line of credit, your borrowing capacity in an asset based line of credit is simply the drawing down, on a weekly, monthly, or in fact anytime basis, of your total borrowing capacity based on your reporting of current A/R (Accounts Receivables) inventory and equipment levels.
The initial underwriting process requires a brief review of the client business’ financial and collateral information. If the initial results of the review appear positive, a preliminary approval is received and a MyMortgage4Less.com engagement agreement is executed by the client. Very standard legal costs, due diligence fees, and origination fees usually are part of the term sheet you will receive. More formal underwriting and due diligence results, and the entire process typically takes 30-45 days to achieve funding.
Who Qualifies?
With Asset-Based lending, 99% of the time clients can extract additional borrowing power out of the assets when compared to traditional bank lines-of-credit. That is simply because a bank focuses on overall financial health and considers a number of external metrics to the actual line of credit – these include balance sheet and income statement rations, personal guarantees, outside collateral, and the overall nature of your industry and business model.
Asset based lines of credit tend to minimize many of those considerations, and focus on the assets! Because that is the case receivables and inventory are margined up to a much higher level than might otherwise be maintained with traditional financing.
Many small businesses don’t understand the sheer extent to which they can leverage their business assets and cash flow to maximize funding amounts.
MyMortgage4Less.com offers a wide variety of solutions and our experienced professionals will present you with the best fit for your needs, budget and business profile.


Investor Level Funding

Our Investors are looking for a clear and concise Executive Overview & Loan Summary that addresses the most important questions. Questions such as: What is the specific purpose of the loan? How much of a loan are you requesting? When and how long will you need the funds? How much of your own money have you invested in this project? How will the loan be repaid? What collateral can be used to secure the loan? And many more! Answers to these questions, as well as supporting documentation, are essential to getting an approval and will ultimately shape the Investor’s decision.
MyMortgage4Less.com offers a wide variety of solutions and our experienced professionals will present you with the best fit for your needs, budget and business profile.


How it Works

Three simple steps.

Step 1: Pre-Qualification Analysis
The first step toward obtaining capital for your business is our pre-qualification process. Our in-house underwriters will perform a full assessment of your current situation by using a proprietary diagnostic checklist that reveals the truth about your options.

Step 2: Consultation & Strategic Planning
Depending on the results of the pre-qualification analysis your business might be eligible for funding right away. If for some reason you don’t qualify for any of our programs, we will help you understand exactly why, and then we’ll build you a simple roadmap to get you there.

Step 3: Applications & Approvals
After we diagnose and pre-underwrite your file, we know how to match you with the right lenders. Our business funding platform was created to bridge the gap between business owners


Unsecured Credit Lines


Working Capital Pro: $50,000-$100,000+ in 0% interest Unsecured Business Credit Lines

Our objective is to set you up with at least $50,000 in freely spendable 0% interest Unsecured Business Credit Lines that you can use to start, build, and grow your business.  Use these credit lines for ANYTHING your business requires to operate; day-to-day expenses, turn them into cash, launch a marketing campaign, pay for a rehab project, travel expenses, and much more!  Our average client that meets the minimum credit criteria typically gets $50k within the first 10-30 days of applications and $75-100k within 45-60 days (depending on strength of credit file).  This Program is perfect for start-ups, early-stage growth companies, and seasoned businesses that need working capital.

•    We submit hundreds of applications to several different lenders every month so we know which lenders are the best fit for the client based on their specific criteria. 
•    We work with lenders that offer Unsecured Business Lines without full income documentation.
•    We work with lenders who DO NOT report to personal credit reports.
•    We know which bureaus are pulled by each lender so we can properly plan the series of applications for our clients.
•    Over 80% of the applications we submit are approved by our lenders, and we submit an average of 6-8 applications in the first 30 days.
•    Normally the best approvals are for $15,000 - $25,000 per lender.  
•    Our average client receives between $45,000 and $65,000 with their first set of applications. 
Additional Program Benefits:
•    Ongoing access to a designated FICO Pro-Certified Small Business Finance Advisor
•    Customized Strategic Plan & Lending Matrix with hands-on support to achieve desired level of funding
•    Pre-application lender compliance and information verification to ensure accuracy on applications
•    Complete application processing, submission, and follow-up support to ensure the best approvals
•    Capital management strategies – get the most out of your working capital (Advisor Supported)

Key Credit Factors to qualify for $50-$100k+ in Freely Spendable 0% interest Unsecured Business Credit Lines:  
•    MINIMUM current FICO scores should be 680+
•    NO public records (BK, tax liens, and judgments), collections, or charge-offs on file
•    NO late payments or collections in the last 2 years
•    Less than 3 inquiries per bureau within the last 6 months  
•    At least 5 years of Credit History, the longer the better
•    Utilization on major credit cards should be less than 40%  

Asset Based Loans

MyMortgage4Less.com Asset-Based loan solution offers an alternative (or additional) financing option to traditional bank lines-of-credit or term loans for businesses that need additional funding.
What are the Benefits of Asset Based Loans?
•    Flexible and Affordable Loan Structures
•    Maximum Availability of Funds from Collateral/Assets
•    Funds Available to Companies with All Credit Types
•    Focus on Collateral instead of Credit-worthiness
•    Funding Much Faster Than Bank Financing

(866) PCA - 9651


Business Funding


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