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NowFunder

Long-Term Loans from smartbiz

(SBA, Term Loans, and LOCs)

SBA Loans


Great rates, long repayment terms, and low monthly payments.

(Basic terms below.)

Max Loan Amnt.: $500,000
APR (mkt. conditions): 11.37%
Repayment Due: 10 yrs.
Typical Funding: 3 wks..

Term Loans


Fixed interest rates, shorter funding time, and shorter repay terms.

(Basic terms below.)

Max Loan Amnt.: $350,000
APR (mkt. conditions): 15.88%
Repayment Due: 2 - 5 yrs.
Typical Funding: 2 wks..

LOCs


Fast, easy, int.only, low mo. payments, flexibility and control.

(Basic terms below.)

Max Loan Amnt.: $150,000
APR (mkt. conditions): Varies.
Repayment Due: 10 yrs.
Typical Funding: 3 - 5 days.


SBA Loans


Great rates, long repayment terms, and low monthly payments.

(Basic terms below.)

Max Loan Amnt.: $500,000
APR (mkt. conditions): 11.37%
Repayment Due: 10 yrs.
Typical Funding: 3 wks..

Term Loans


Fixed interest rates, shorter funding time, and shorter repay terms.

(Basic terms below.)

Max Loan Amnt.: $350,000
APR (mkt. conditions): 15.88%
Repayment Due: 2 - 5 yrs.
Typical Funding: 2 wks..

LOCs


Fast, easy, int.only, low mo. payments, flexibility and control.

(Basic terms below.)

Max Loan Amnt.: $150,000
APR (mkt. conditions): Varies.
Repayment Due: 10 yrs.
Typical Funding: 3 - 5 days.



Why smartbiz?



One fast and simple application.



A Loan Tailored to Your Needs.



Submitted to multiple lenders.



Matched with the Right-Best Lender.



5 mins. to Pre-Qualify up to $500,000.




No Pre-Qual. Impact on Credit Score.



smartbiz Step 1 - Select Loan Type













smartbiz Step 2 - Select Loan Amount.




smartbiz Step 3 - Business-Owner Info.





   smartbiz
Application



NowFunder Gets Results

We navigate financing and funding success.



The NowFunder Network Obtains the Best Long-Term and/or Short-Term Results.

   Lower Preferred Int. Rates.

   Maximize Financing Amount.

   Properly Complete Lender Application.

   Proper Follow-up to Lender Inquiries.

   Review of Company Finncials.

   Short-Term Bridge Funding b4 Lender Acceptance.

   Navigate the Maze of Lending Requirements.

   Provide Alternatives if Loan funds Insufficient.

   Find Other Funding Sources if Loan Declined.




NowFunder's Additional Sourced Funding




Basic Overview


SBA Loans

    Long terms, low monthly payments.

    $75k to $5 mil..

    Great rates and government backed.

    Longer government processing.

    Extensive docs req'd..


Term Loans

      Primarily for larger projects.

    From $100k to $1 mil.

    Typically secured &/or pers. guaranty.

    Ideal for maximum revenue growth stability.

    Repaid up to 120 months.


Business LOCs

  Super stress free financing.

  Smple terms.

   Funds drawn down as needed.

   Flexible LOC replenishing.


Revenue Advances (MCAs)

  Working capital when it is needed most.

  Prevent Business Cash flow Gaps.

    Stabilize cash flows.

    Meet immediate business needs.

    Fast financing for your business.

    Funding starts at $20k.

    Repaid from revenue.

    Repaid in full 6 to 12 mos.

    Monthly or weekly repays for qual. applicants.


Invoice Factoring

  Turn accounts receivable into immediate cash-flow.

  Immediately fuels business growth.

  Survive the next busiiness emergency.

  Lump Sum Cash for Any Bus. Purpose.


Equipment Financing

  Get critical equipment now.

  Preserve precious cash-flows.

  Realize immediate tax deductions.


Purch. Order (PO) Financing

  Capital for Gig economy businesses.

  Liquid cash to supply POs.

  Keep business reputation stellar.


Undervalued Real Estate (RE) Liquidity

  Ignored by Banks, Credit Unions, and Hard Lenders?

  Lots of equity, but can't get more junior loan(s)?

  We may have your solution.

 Unleash undervalued RE equity to grow your business.

  Or avoid the harsh foreclosure.

  Unlock the cash, repay, and retain the property.

     Access strategic RE solutions.





Basic Overview


SBA Loans

 Long terms, low mo. pymnts..

  $75k to $5 mil..

  Great rates + gov't. backed.

  Longer gov't. processing.

  Extensive docs. req'd..


Term Loans

    Larger projects.

  From $100k to $1 mil.

  Typically secured-pers. grnty..

 Ideal max. rev. growth stability.

&nbs Repaid up to 120 mos.


Business LOCs

  Super stress free financing.

  Smple terms.

  Funds drawn down as needed.

 Flexible LOC replenishing.


Revenue Advances (MCAs)

  Wrkng. CAP needed most.

  Prevent Bus. $$$ flow Gaps.

  Stabilize $$$ flows.

  Meet immediate bus. needs.

  Fast financing for your bus.

 Funding starts at $20k.

  Repaid from revenue.

  Repaid in full 6 to 12 mos.

  Monthly or weekly repays for qual. applicants.


Invoice Factoring

  Turn ARs into instant $$$ flow.

  Immediately fuel bus. growth.

  Survive next bus. emergency.

  Lump $$$ any Bus. Purpose.


Equipment Financing

  Get critical equipment now.

  Preserve precious cash-flows.

  Realize immediate tax deductions.


Purch. Order (PO) Financing

  Capital for Gig economy businesses.

  Liquid cash to supply POs.

  Keep business rep. stellar.


Undervalued Real Estate (RE) Liquidity

  Ignored by Banks, Credit Unions, and Hard Lenders?

  Lots of equity, but can't get more junior loan(s)?

  We may have your solution.

 Unleash undervalued RE equity to grow your business.

  Or avoid the harsh foreclosure.

  Unlock the cash, repay, and retain the property.

   Strategic solutions.





   NowFunder
Application


   Short on Time?
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Frequently Asked Questions (FAQs)


What is NowFunder?
NowFunder is a lending and capital funding platform.

What is the history of NowFunder?
NowFunder was establihed in 2014. We have provided buyers services and acess to over $350 million in commercial real estate financing through multiple lenders.

NowFunder principals have also been a direct business lender and capital-debt funder. Our principal team members have been instrumental in providing access to hundreds of millions of dollars for commercial and residential real property acquisitions.

NowFunder also has a network of third party lenders and funders. This enables us to provide a customized loan or funding to applicants under a variety of financial conditions and situations.

In 2023, NowFunder established it's operations in Florida.

What services does NowFunder offer?
NowFunder is both a direct lender and funder of businesses.

NowFunder also disburses business loan applications and funding requests through it's platform.

What is smartbiz?
NowFunder is a qualified strategic partner with smartbiz.

smartbiz specializes in small business SBA (up to $500k), Term Loans (up to $350k), and LOCs (up to $150k).

What is the difference between smartbiz and NowFunder?
NowFunder wants every business to obtain the best financing and funding terms - Highest amount, lowest rate, longest term, etc....

We have partnered with smartbiz because their offerings are typically the best in the industry.

NowFunder also has a network of other financing and funding affilliates. We are also a direct financer and funder.

Our number one goal is to establish long-lasting relationships to ensure that businessses have streamlined access to capital funds. No wasted time, no endless calls, no fish stories, and no brutal delays. Life is way too short to tolerate fictitous excuses.

We fully recognize that when businesses need capital, we need to exhaust all possible effort to make it happen - period!
How does NowFunder finance and fund businesses?
NowFunder offers business owners finance and funding offers tailored to their operational data.

Depending on the financial criteria submitted, ofers are provided by NowFunder and through our nextowrk of lending and funding institutions.

The offers are typically submitted to an applicant on a contract. The terms typically range as follows:

Financed or Funded Amount: $20k to $5 mil..

Payback Period: 6 mos. to 5 yrs..

Payback Frequency: Daily, and for qualified applicants weekly or monthly.

Interest Rates: The applicable interest rates vary. They depend upon each applicant's historical and anticipated revenue, and for qualified Applicant's their results of operations and financial condition. These determinations are made by underwriter's based primarily upon historical performance.

Time Until Funding: NowFunder strives to have applications approved and funded in as little as two hours. This depends upon the time of day that an application is received and approved.

What are the NowFunder elgibility requirements?
Minimum: 4 mos. of the most recent bank statements, and $20k of monthly revenue.

Start-ups can typically secure financing and/or funding after 6 mos..

What is the NowFunder application process?
The application process is easy and takes less than 5 minutes to complete! Here are the steps:

Step 1: Complete the NowFunder Application

Begin by filling out the form on NowFunder.com, providing essential information about yourself, your business, and any business partners. This form will also prompt you to specify your monthly revenue and the amount you wish to request, along with the intended use of the funds.

Step 2: Provide Contract Offers

Once your application is received, it typically takes minutes for our underwriters to begin processing. Depending on how much of the application was completed, there may be additional requests for information or documents. Our team will be in touch within minutes of your submission to ensure all needed information has been collected.

Step 3: Review, Accept, & Fund in Your Business Bank Account

After your application is underwritten, you will potentially receive one or more funding offers. You will have the opportunity to review the funding offers you received and select the one that best aligns with your needs. There is no obligation to accept a proposed offer.

Once you accept an offer, which typically can be done through email or a quick phone call with a NowFunder team member, your funds will be available immediately after the contract is electronically or manually signed (and received).

Does NowFunder pull credit reports?
Soft credit pulls are utilized at the pre-qualification stage. At about the 95% stage of the process when the underwriting package has been provided, one of the last steps is for the lender-funder to verify the business credit score and/or personal credit score via a hard pull.

Another company offered too little money or at a higher interest rate, can NowFunder do better?
Very likely. Go to the home page button or to the menu item "Get Me More" (submenu under the Application menu).

Upload the other PDF offer, the four most recent bank statements, and our team will quickly get back to you.

What happens after a business receives it's funds?
The repayment terms are followed.

Depending upon the performance of the business, additional loans and fundings can be obtained, or "stacked", on an as needed basis.

When the entire loan or funding is paid-off, the file is closed out.

If the entire loan or funding is not repaid in full, NowFunder can process a new application for a "replacement" loan or funding. Typically there is additional "cash out" to the Applicant.

Once my business is funded, how do I navigate the NowFunder Platform?
Simple. You can Sign In any time. A summary of your funding transaction(s) will be available. Additional applications only require a about 45 seconds to complete.

Unlike the typical "yellow pages" business financing and funding websites, NowFunder was built with purpose and functionality - To maximize the efficiency of our Applicants.

Renewing, replacing, and/or stacking additional financings and fundings has never been easier.

Can I reach NowFunder on the weekends?
Yes, of course. The NowFunder platform does not "go dark" on the weekends. Weekends are a great time to get the application process going. Particularly as there are alot less distractions.

We have less team members on the weekends. Yet we actively process applications and speak with borrowers.

What if I filed personal bankruptcy (BK) which is still on my record?
It likely depends on time since the BK. Your business financing or fundiing may be allowed. A prior BK doesn’t necessarily preclude financing or funding.

If the BK is recent, it might make it more challenging. Since diffferent lenders rarely have the same requirements after BK, it’s unlikely a borrower would qualify within the first year.

Lenders typically require at least one year of improving credit history following a BK discharge ,or non-discharge disposition.
Can NowFunder really fund in as quick as two hours?
Yes. Try us. Although funding is dependent upon the time of day an application is processed.

In simple terms, we drop everything to devote our attention to serious Applicants.

Does NowFunder provide any other benefits to Applicants?
Yes. We have extensive experience in both the business loans and the real estate financing and funding spaces. NowFunder applicants benefit from our experience to help them receive business funds.

We are not looking to just close one transaction. We want applicants to be customers for life - Literally!

Our NowFunder Blog is also under development.

It will provide a wealth of informal, general business, accounting, tax, and legal tips to help Applicantss successfully navigate the ever complex business, legal, and tax World.

We will link the headline-topic of each article on our social media feeds.




Terms of Use

Terms of Use

Nowfunder. (“Company” or “we” or “our” or “NF”), owns and operates the website http://Nowfunder.com, (the “Site”). Through the Site, NF operates a prospective customer database (the “Service”), by which it compiles, sorts and process loan applications on behalf of consumers who have shown an interest in applying for financial products or services offered by NF. NF uses third party vendors as well as affiliates to promote the Site to consumers interested in completing an online application at our Site.

NF also promotes its product and service offerings via e-mail or telephone to consumers who requested that they be contacted either through our online application opt-in process via our Site or through an Opt-In process on one of our many vendor or affiliate sites (“Prospect Members”). Prospect Members will then receive email or telephone contacts only for so long as they wish to continue to receive such contacts.

Your Privacy is Top Priority

NF recognizes the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you through our newNFetter. Please review our Privacy Policy for more information. To maximize the friendliness our Site usage you do not need to complete any registration forms. Also we will not send you any information such newNFetters or updates without your personal request.

Links

NF website may contain links to other sites. Please be aware that NF is not responsible for the privacy practices of such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by NF even in cases where we may frame another site with our own. From time to time we may co-brand certain services with third parties. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with loan brokers, and credit reporting agencies.

Security

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as a credit card number) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SNF) protocol.

Disclosure

As NF grows, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that NF or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets. For more information see our “Notification of Changes” section below.

Finally, NF reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Company’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

Sharing information with affiliates

When you submit your request for information or quote, you are granting permission to be contacted by NF or affiliated third parties. We may share the contact and loan request data you submit on the Quote Request form with affiliated companies such as banks, commercial lenders and licensed loan brokers to fulfill information requests we receive from you, to provide you with superior service, inform you of product and service opportunities that may be of interest to you.

Sharing information with co-branded partners

Some of the services offered on our website may be co-branded with contracted partners. Co-Branded offerings will be identified directly on the Quote Request form for the product or service you choose prior to you having to submit the Quote Request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that provider’s website, not NF. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, address, phone, e-mail address, etc.) is shared with NF.

Site and service updates

We will send the user site and service announcement updates. Members are able to unsubscribe from service announcements, which contain information about the service. We also communicate with customers to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.

Notification of changes

If at any point we decide to use personally identifiable information in a manner materially different from that stated at the time it was collected, we will prominently post a notice on the website for 30 days. We may also make a reasonable effort to notify users by way of an e-mail. Users have a choice as to whether or not we use their information in this materially different manner.

Correct / Update Information

If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us at team@nowfunder.comor log into your account here on http://www.nowfunder.com

Nowfunder Incorporated
2400 Maitland Center Parkway
Suite 315
Maitland, Florida 32751

Privacy Policy

Privacy Policy

Nowfunder (“NF”) takes your privacy very seriouly and we are committed to protecting your privacy and personal information when you visit our website. This privacy policy also governs the collection, use and retention of non-public personal information collected by NF from our customers. We reserve the right to modify this privacy policy at any time, so please review it frequently. This policy is effective as of January 1, 2016.

What information we collect and how we use it?

We collect the following information from our visitors who wish to establish a business relationship with us.

Information provided on application such as your name, DOB, contact information, job history

Information related to your application such as data obtained from consumer credit reporting agencies that is needed to fulfill your request, such as obtaining a personal loan or payday loans.

Cookies and Web Stats

From time to time, NF or its affiliates may send a “cookie” to your computer. A cookie is a small piece of data that is sent to your Intrnet browser from a web server and stored on your computer’s hard drive. A cookie can’t read data off of your computer hard disk or read cookie files created by other websites. Cookies do not damage your system. We use cookies to identify which areas of our site you have visited or customized your user experience.>/p>

You can choose whether to accept cookies by changing the settings of your Internet browser. You can reset your browser to refuse all cookies, or allow your browser to show you when a cookie is being sent. If you choose not to accept these cookies, your experience at our site and other web sites may be diminished and some features may not work as intended. We also track visitors to our website and collect traffic data. Traffic data is information that does not identify you personally but may include your IP address, ISP and other similar types of information that help us administer our site, and improve our service offerings. No personal information that identifies a visitor is revealed in the collection and use of traffic data. Other parties or marketing partners may collect personally identifiable information about an individual consumer’s online activities over time and across different Websites when a consumer uses the Website.

Non-public personal information

This includes any information you provide to obtain a loan or financial product from NF. This type of information does not include information that is collected anonymouNFy or for the purpose of tracking movement on our website. Data that is collected during the application process may include personal information such as:

* Your name, date of birth and address;
* Phone number and E-mail address;
* Your place of employment, employer, length of time you worked there;
* Information about your credit history with the appropriate consent;
* U.S legal status such as citizenship or permanent resident (green card) status;
* Loan purpose and loan amount;
* Social security number/FEIN;
* Driver’s license number;
* Bank account and routing number for ACH transfers;

This information is used to identify you, complete your requests for financial products such as loans and for customer service fulfillment.

Your options regarding the use of your information.

You may opt-out of NFs email newsletter or messages by either unchecking the box next to newsletter or by clicking the “unsubscribe” button in the emails that you receive. When you unsubscribe, you will receive an e-mail confirming your decision to opt-out. If you wish to know or change any personal data we have on file, feel free to contact us at 954-336-0510.

NF reserves the right to disclose your non-public information, including your e-mail address without your consent:

* To comply with Federal, State, or local laws, rules and other applicable legal requirements; or
* To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or
* To respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, other purposes as authorized by law; or
* To our service providers to verify the integrity of the information collected; or
* To our affiliated business partners for accounting or marketing purposes.

Information for non-U.S. users and U.S. law

The laws and regulations of different countries and states impose different requirements on data protections and the use of the Internet. Nowfunder is located in California, in the United States of America. The laws of the State of California and, the United States of America, govern all matters relating to this website. If you provide information while using this website, you will be deemed to have authorized the transfer of your information to NF located in California.

Our affiliates and non-affiliated third-parties

Because this privacy policy applies only to the NF website it may be different than that of the non-affiliated third-parties to whom your information may be disclosed to process the financial product or service you request or authorize. Third parties whom we might share your information with include:

Credit bureaus
Vendors who assist in identifying fraud
Marketing partners

NF urges you to review the privacy policies of every website you visit where you are required to disclose your NPPI to obtain a product or service.

Your use of this website

By using this website, you certify to NF that you are an adult under the laws of the jurisdiction where you reside and that you have had an opportunity to review the terms of this privacy policy and the Terms and Conditions posted on this website. Do not use this website or disclose any personal information if the terms of this privacy policy are not acceptable to you or if you do not agree to all provisions of our Terms and Conditions.

​

Notice to California Residents

California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us at 1-954-336-0510 or write to us at 2400 Matland Center Parkway,, Suite 315, Maitland, Florida 32751

Protect and verify your identifying non-public personal information

NF urges you to take adequate precautions to protect your personal private information, both on and off the Internet. (To learn more go to: http://onguardonline.gov/index.html).

Contact us

If you have questions or concerns regarding this policy, contact customer service by e-mail at team@nowfunder.com, or by mail. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with the Web site to resolve your concerns.

Nowfunder, Incorporated

2400 Maitland Center Parkway
Suite 315
Maitland, Florida 32751

SMS/Wireless Policy

We are working on our SMS/Wireless subscription service. Please check back soon.

Disclaimer

The information contained at Nowfunder.com is for general information purposes only.

The information is provided by Nowfunder.com and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to Nowfunder.com or the information, products, services, or related graphics contained on Nowfunder.com for any purpose.

Any reliance you place on such information is therefore strictly at your own risk. Further, the information provided on this website does not, and is not intended to, constitute accounting, business, debt, investment, legal, tax and/or any other type of advice, consutation, recommendation, and/or strategy; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information.

This website may contain links to other third-party websites. Such links are only for the convenience of the reader, user or browser; We do not recommend or endorse the contents of the third-party sites.

Readers of this website should contact their accountant, attorney, business and/or investment advisor or consultant, CPA, tax preparer, and/or other professional to obtain advice with respect to any particular transaction provided by Nowfunder.

No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking advice and/or consultation from their own professional advisors and consultants in their relevant jurisdiction. Only your individual professional advisor or consultant can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation.

Use of, and access to, this website or any of the links or resources contained within the site do not create a professional relationship between the reader, user, or browser and Nowfunder, its affiliates, agents, enmployees, executives, and officers, website authors, contributors, and their respective employers.

All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed.

The content on this posting is provided "as is. No representations are made that the content is error-free.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of Nowfunder.com.

Through Nowfunder.com you are able to link to other websites which are not under the control of Nowfunder.com. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep Nowfunder.com up and running smoothly.

However, Nowfunder.com takes no obligation or responsibility for, and will not be liable for, Nowfunder.com being temporarily unavailable due to technical issues beyond our control.

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Nowfunder Team

NowFunder Inc.
2170 Rainbow Drive
Clearwater, Florida 33765

    (954)336-0510
    team@nowfunder.com
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