Up to $1,000,000. Often 2–3 days.
A wholesale desk. They do not take the client direct. Life Flip is the partner who walks the file. Underwriting is often 24–48 hours. The money is theirs, not ours.
Business funding
We connect it. We do not fund it.
Life Flip sets the file up and introduces the right person. The connection funds it. These are the same questions the original desk used to decide who that is.
- 500 FICO
- $6,000–$8,000 average monthly revenue
- 6 months in business, or 3 if you take cards
- 67% ownership
- No more than 7 negative days
- Home-based is fine. Permanent resident up to $50,000. No international businesses.
- A named asset with a vendor quote goes to an equipment connection.
- Expand, acquire, or refinance goes to the term connection inside the house.
- A file that will not close is a lead introduction, not a funded deal.
- Restricted industries and international files are not placed.
Preferred, restricted, and how it pays back.
Preferred: restaurants and grocery, medical, hospitality, spas, wholesale, manufacturing, trade contractors, auto repair, business services, salons, retail.
Not placed on the unsecured desk: law firms, multi-level marketing, gambling, online pharmacies, schools, collections, credit repair, cell phone stores, adult, night clubs, marijuana. Real estate, investment, farms, and insurance go to another connection if they fit at all.
When the unsecured desk does take it: 3–18 months, paid daily, weekly, or bi-weekly by ACH. From $2,500 to $1,000,000. Size follows revenue and the month-end balance. A soft look, a one-page application, and bank statements — six months, or three plus card processing.
Operation Lend is the funding partner, in every category. The money is theirs, not ours. Money for Use is the same door, published on its own.