Joshua Garcia | Entrepreneur
Boston, MA
About
Josh is a business funding strategist and financial solutions specialist who helps entrepreneurs access the capital they need to grow, scale, and stabilize their businesses. With deep experience in alternative lending, credit optimization, and strategic funding programs, he guides clients through approvals, positioning, and customized funding options that traditional banks often overlook.
WHAT WE OFFER
SBA LOANS
(Government-backed, best rates, long terms)
Offer Includes:
Up to $5,000,000
10–25 year terms
Prime rate + 1–4%
Refinance existing business debt
Can show losses on tax returns
Qualifications:
2 years in business
650+ FICO
$120,000+ revenue
Business Line of Credit — NON-BANK (ALT)
(True revolving line)
Offer Includes:
Up to $750,000
6–24 month amortization
Weekly or monthly payments
Qualifications:
6 months in business
600 FICO
$300K annual revenue
4 months bank statements
📌 Business Term Loan
(Bigger amounts, long-term capital)
Offer Includes:
Up to $10,000,000
1–3 year terms
Monthly payments
Qualifications:
2 years in business
650+ FICO
$1M annual revenue
4 months bank statements
📌 Working Capital Loan
(Fast money — 24 to 48 hours)
Offer Includes:
Up to $10,000,000
6–36 month terms
Same-day approval possible
No minimum FICO
Qualifications:
6 months in business
$100K annual revenue
4 months bank statements
📌 Equipment Financing
(Any industry, machinery, vehicles, tools, etc.)
Offer Includes:
No cap on funding amount
Fixed rates — prime starting rates
3–7 year terms
Monthly payments
Equipment is fully tax deductible
Qualifications:
1 year in business
600+ FICO
$120K annual revenue
Equipment invoice
4 months bank statements
📌 BANK LINE OF CREDIT (LEX LOC PROGRAM)
(Exclusive — for higher credit clients)
Lex Loc Cheat Sheet
Offer Includes:
True revolving bank line
Prime + 2–4%
Monthly payment = 1–3% of balance
Can draw cash instantly
Qualifications:
680+ FICO
Under 35% credit utilization
2 years in business
Tri-merge credit report
📌 Business Credit Card Program (0% Interest)
(0% APR for 6–24 months)
Offer Includes:
0% interest for 6–24 months
Builds business credit
Doesn’t affect personal utilization
Can be liquidated into cash at 0%
Monthly payments only
Qualifications:
680+ FICO
Under 35% utilization
No minimum revenue
No time in business required
Tri-merge credit report
📌 Startup-Friendly Bank Revolving Lines
(Pre-revenue accepted)
Offer Includes:
Access to national + regional banks + credit unions
Business credit cards + business LOC
Startups accepted (pre-revenue okay)
Co-signer friendly
Qualifications:
680+ FICO
Under 35% utilization
Tri-merge credit report
📌 High-Risk & Industry-Agile Funding
(Accepted across programs)
No industry restrictions
Defaults on data merch (LexisNexis etc.) don’t affect approval
Over-utilized credit lines can still be pre-approved
📌 Fast-Turnaround Programs
2–4 week turnaround for bank LOC
24–48 hour turnaround for working capital
Same-day decisions available in multiple categories