Q: Who and what is Fast Biz Cash Loans?
A: Fast Biz Cash Loans is a commercial loan agency based in St. Petersburg, Florida?
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Q: What is the acronym for FBCL Financial?
A: Fast Biz Cash Loans
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Q: Are you a financial institution or bank?
A: No we are not. We are a loan agency that matches the borrower with a bank or other financial institution.
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Q: Since you are not a bank or financial institution, where you you get the money from to help small businesses like me? 
A: The funds for these program come directly from the banks and other financial institutions. Fast Biz Cash Loans is more like the middle-man or as some would say -broker. 
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Q: Do you charge due diligence fees before we are funded?
A: We do not charge due diligence fees at all. If you have a project or event coming up and requires funding, simply tell us your story, what you are looking to accomplish, submit an application, and if you qualify, we'll do all of the packaging for you at no cost. You pay after the loan is funded. 
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Q: What type of funding programs do you help small business like myself obtain? 
A: Although we offer various types of funding options, our prime funding option that we help small business with is our SBA 7(a) Program. We also      offer SBA 504 for new construction, Express Loans, Lines of Credit, and Bank Term Loans. If all fails (based on poor credit), we offer micro loans          with daily and weekly paybacks based on revenue, and merchant cash advances.
 
Q: Why would my business go through you when I could get a business loans from my local bank? 
A: A simple answer to that is how much time are you willing to wait in line at your local bank and waste your time submitting paperwork and going through the pre-qualification and underwriting process to find out that you are not ready for bank financing due to your credit or debt to income ratio. With Fast Biz Cash Loans, you can find out within 5 minutes whether you're credit worthy or not. Click here to prequalify. 
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Q: How do you submit the funds after I have been approved? 
A: The funds are wired into your business checking account within 12 to 24 hours, or sooner depending on your financial institution. 
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Q: What credit score are you looking for to qualify for an SBA Loan?
A: You want to be at a minimum of 680 or higher. Every situation is handle case by case. 
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Q: My credit sucks. I am at below 550. Can you still help?
A: Yes we can. In this case, you would be more qualified for a micro loan or merchant cash advance. The programs are short-term and generally charge higher rates than a conventional loan. Once you are able to get your score in that mid 600 or higher range, we could get you stand a better chance of obtaining an SBA Loan. 
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Q: What are the terms of your SBA Loans?
A: Our SBA 7(a) Loans are 10-year terms with rates as low as 2.75% plus prime. 
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Q: Do you charge a pre-payment penalty?
A: No

Q: What are your funding amounts and the time-frame for funding?
A: 7 to 21 days depending the arrival of documents required by underwriting. 
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Q: How do I apply for an SBA Loan with your program?
A. For an SBA Loan through Smart Biz Loans, click here to apply. Again it takes 5 minutes. You have to complete the application in order to get an offer. For Celtic Bank, click here to apply. To apply with Lendio, click here. 
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