Non-SBA Working Capital Loan Program

This non-SBA term loan is based on credit and profitability

Are you looking for a working capital loan but don’t want an SBA loan?

Radix can help you stay away from merchant cash advances and obtain long-term financing. We offer monthly payment term loans for up to 5 years, without a government guarantee.

We need a business owner that has a credit score above 660, and a business that shows enough profitability to afford the debt.

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3 Step Process

Apply for a non-SBA working capital today!

Check Eligibility

Review the eligibility requirements below for this loan program

Apply Online

Complete the online application & submit the required documentation for underwriting

Get Funded

IT'S THAT EASY!

Frequently Asked Questions

Who is eligible?

Minimum personal credit of FICO 660
Business credit score (liquid credit) -155 or greater
Public records search for business owners:
No bankruptcy in past 3 years '
No foreclosure in past 3 years
No open tax liens or outstanding judgments

What are the loan terms?

Amount: $35,000-$500,000

Interest rate: 10-25%

Loan period: 2-5 Years

Closing timeframe: 2 weeks

Payment frequency: Monthly payments

Prepayment penalty: None

Will a lien or personal guarantee be required?

UCC filing on the business- Yes (This is standard for all business loans)

Personal guarantee- Yes

Business property lien- No

Personal home lien- No

What documentation is required for underwriting?

All Radix needs for pre-approval

2 years of business and personal tax returns
Business debt schedule
Interim financials: profit & loss statement, balance sheet
6 most recent business bank statements

What can I use the funds for?

General working capital
Purchasing inventory
Hiring employees
Refinancing business debt
Marketing
Dozens of other uses

Are there any alternative options?

Rates for Non- SBA term loans too high?

Check out our Traditional SBA and SBA Express loan options, for a ten year term and half the monthly payment. Please also check out our Line of Credit for another, faster and easier, non-SBA alternative.