Our #1 goal at Guru Capital was to develop a capital funding product beneficial to the client.
A product that no one could match. We developed a product that allowed every individual to be able to apply for funding without the proof of any income documentation. We do not ask for tax returns, W2’s, or paycheck stubs. Our capital funding is solely based off credit. Our aspiration is to assist individuals with a source of income that could always be available to them without hassle.
Funds approved in as little as 10 days!
We set ourselves apart by being able to offer about $20,000 to $250,000 in credit lines and personal loans that are secure by personal credit.
- NO UPFRONT COSTS
- NO income documentation is required
- Lines are completely unsecured
- NO term or payoff due date
- Low monthly payments
- NO Application Fee
- One Time Success Fee
- Payments can be as low as 2% of the total balance
- Most of our banking partners are from zero percent APR for 12 to 18 months
- FUNDS CAN BE USED FOR ANYTHING
When most individuals go and try to get funding four things happen...
- Small Funding Amounts
- Little to NO Approval
- Inquiry after Inquiry running their credit score to the ground
- Lines of credit and loans getting shut down
Most people feel like because they have 800 credit score, they are automatically approved. UNTRUE! You can be declined with 800 credit score depending on Y0UR credit profile. Each client is different.
Why Choose Us?
Your question may be what makes us different in the competition? What makes us different than any other bank? Here is your answer! Knowledge and relationships make product and service not only possible but a proven success.
Once we evaluate your credit application without pulling your credit for inquiries, we know exactly what lines of credit and loans to apply for.
Scavenging for lenders is NOT what we do here.
What we know
The #1 factor is which banks match your credit profile to see what banks will allow certain revolving accounts, required balances, ratios, delinquencies and much more.
We know which banks servicing companies and how their exact guidelines instructions are that the public has no view or knowledge of.
We have backend information of credit requirements that is usually not given to the public.
We know the proper guidelines to cities and states for each financial institution that will lend to in your area
We know which institutions will allow a specific number of inquiries or old credit lines and the sensitivity of inquiries allow us to know which apps need to be submitted first
We know which banks do the soft, hard, or NO credit pulls at all, so in some cases your credit is not affected.
How do I qualify?
Everybody qualifies by three different methods
A 600-credit score with all 3 credit bureaus or better with military affiliation.
A 650 or better with all three credit bureaus. No military affiliation needed
No bankruptcy within the last five years
How do I get started?
OPEN A FREE ACCOUNT
Complete the Free Pre-Qualification Application
You will receive an email or phone call in 24 to 72 hours on the evaluation of your credit and your approval with range of funding or denial.
Begin the Process
The capital funding program requires a 650+ credit score from all three credit bureaus.
In our capital funding program, you can get funded from $20,000 up to $250,000. Have funds in 10 to 21 days. Get access to revolving lines of credit with only a one -time success funding fee.
Capital Funding Requirements
All requirements are case and by, some may not apply based on certain credit profiles.
- Minimum of 3 open accounts that are seasoned and are primary revolving account not AU accounts.
- 650 credit score
- Maximum 4 Inquiries per credit bureau
- Bankruptcy must be over 5 years
- Recent late payments, judgments, liens, and other negative items are looked at on a case by case basis.
NO Income Documentation or Qualifications , No verification of Employment, No Business Plans, No Tax Returns , No Paycheck Stubs, No W’2 or 1099
Good news about our product and service you DO NOT pay us, unless you receive funding.
- Funding Success Fee 20%
- All accounts have a 24 hour window to pay success fee after funds have been received.