Basic Requirements for the Business Consulting Service Program:

• The loans are for business purposes only.

• The applicant must be 21 years of age or older.

• The applicant cannot be in active bankruptcy or have claimed bankruptcy within the past six months.

• TAX RETURNS

• We do not provide loans to speculative real estate investments, multi-level marketing, pornography sales, liquor sales; or firearm sales.

 For New Business and Start Ups:

•  Loan Amount- Through our Private Lender, we underwrite Loans from $5K to $50k for businesses operating for less than one year.

•  Business Plan Requirement - New businesses must include a business plan and

•  Financial projections with an application.

For established businesses:

• Loan Amount – Trough our Private Lender, We underwrite loans from $50K to $1million for businesses that have been active and generating revenue for at least 12 months.

Consulting Fees, Terms and Costs

• 10% Service Fee is charged to all approved loans. Thus is 10% of the approved loan amount payments are automatically withdrawn from a checking account where you got the line of credit from by (ACH debit) at the time the loan has been funded by the financial institution. Real Business Loans charges 2% on top of the 10% to be collected upon you receiving your line of credit, you will just write a check from your line of credit account. TOTAL FEE IS 12% TO BE PAID FROM YOUR LINE OF CREDIT IF YOU WANT. Financial Statements are additional cost of $500.00.

• Clients that have entered into agreement with ongoing funds management, and/or business consulting will be assessed a monthly service charge of 1% of the loan amount obtained. Payments are automatically withdrawn from a checking account  (ACH debit) Monthly.

 Program Orientation

Important Factors We Consider When Reviewing Applications

• The nature of the loan purpose.

• Business cash flow

How do we evaluate your credit history?

As a part of the application process we will require you to provide a copy of and review your most recent personal credit report. If you desire Real Business Loans, LLC can pull your credit for a fee of $20.00 for a tri-merged credit report with your score. You must complete and authorization form.

• There is a minimum credit score requirement of 680 either applicant or Guarantor.

• Credit story is not the only factor that we evaluate in a loan application.

• We evaluate personal credit history because it shows past payment behavior.

• While the credit history varies on a case-by-case basis, we will provide individual  feedback on whether we can work with your situation at the present time.

• We can refer applicants to a credit repair center for assistance if needed.

Required Documentation:

If you are interested in applying for a loan, we ask that you prepare the following documentation before completing an application:

Businesses in operation for less than 12 months:

• One form of identification such as a driver's license or passport

• Business plan that includes financial projections

• A detailed list of the loan purpose

• Articles

Established Businesses (In operation for more than 12 months):

• One form of identification such as a driver's license or passport

• 2 years of Business Financials either Income Statements, P&L statements or Tax returns.

• Detailed list of the loan purpose.

• Articles

If you do not provide all the required documentation you may not get the funds that you wish. You may get something but nothing is guaranteed. The best thing to do is to let us apply to many banks until you reach your desired capital.

Provide List of the top 5 banks in your area that is closest to you that we will apply to for you that you will eventually go into to sign for your lines of credit. This will be more convenient for you.

• Provide name, address and phone number of the top 5 banks. Just don't use the same bank you already applied to before unless we are using another corporation.

• To find your local banks go to http://local.yahoo.com/

Here is the quickest way to find your local banks.

Search For: Type the word Bank  and for Location: Type your Zip Code