1. We only facilitate business loans to business owners.  You must be the legal owner of record to apply. Minimum Time Of Ownership  & Operation Of The Business is 3 months.

Standard Short Term Business Loan & Credit Line Requirements

WARNING: If you plan on selling your business within the immediate future, do not apply for either a loan or a merchant cash advance. You will not be allowed to either sell your business or transfer ownership of any kind, until AFTER the loan is satisfied in full. Once you are paid in full and receive a Payment In Full Letter, you will then be free to sell your business. Not until then. Some Exceptions Apply. 


If you have any sincere questions about this, please call Jonathan at 516-252-4568.

CALL JONATHAN @ 516-252-4568

8. With regard to your business bank account, no more than 9 NSFs in a given month for a loan or line of credit. If more than 9, we can probably help you get a merchant cash advance, if you process $10,000 or more in credit & debit card sales. Call For Details.

Merchant Cash Advance Requirements

6. No minimum fico score with some of the options.

4. If you have defaulted on a previous merchant cash advance or ACH business loan before, don't bother applying, because you will get rejected. Cross apply this to any DEFAULT that becomes a UCC HOLDING (Public Recording Of A Defaulted Business Loan). 

5. If you have defaulted on a previous merchant cash advance or ACH business loan before, don't bother applying, because you will get rejected. Cross apply this to any default that results in a UCC Filing. (In other words, any defaulted business loan).

You will feel good about your loan or advance. 

6. We work with merchants who have excessive negative days, NSFs and Fico Scores in the 400's.

4. If you are in collections, and/or behind on an ACH business loan or merchant cash advance, it is imperative that you pay the loan (or loans) off in full. Do not settle on the debt,  or these debts. Pay the debt (or debts) off in full. Present proof of the payment in full letter, for each neglected debt, with your initial application. We are also going to ask for a detailed handwritten or typed letter of explanation. This does not guarantee approval, though gives you a much better chance of it. 

11. If you are in collections, and/or behind on an ACH business loan or merchant cash advance, it is imperative that you pay the loan (or loans) off in full. Do not settle on the debt,  or these debts. Pay the debt (or debts) off in full. Present proof of the payment in full letter, for each neglected debt, with your initial application. We are also going to ask for a detailed handwritten or typed letter of explanation. This does not guarantee approval, though gives you a much better chance of it. 

9. To qualify you must be an official owner of record and show physical proof of ownership. We also need you to be in good & active standing with the state in which your business is registered and may be asked to send us a copy of your SS-4. 

When you are ready to take advantage of the great offers I have in store for you, call me, Jonathan Mendelsohn, at 516-252-4568. Help me, help you get the best deals available. 

7. With regard to your business bank account, you must have an average daily balance of no less than $500.

2. You must process no less than 10 transactions per month. 

5. You must be depositing a minimum of $6,000 EACH month into your business checking account.  

3. If you owe any money on any other ACH business loan or merchant cash advance, we must pay that off with the proceeds of the loan we are trying to get you. 

Do Not Be Shy - Apply Now. 

VERY IMPORTANT WARNING TO ALL APPLICANTS:   If you lie on the application, you will be automatically declined, and you will be placed on our 86 Black List for eternity. In other words, just tell the truth. Just be honest, no matter how embarrassing your circumstances are. The worst that can happen is we tell you no. So, work with us, and let’s see what we can do to help. Do not lie or try to cheat the bank. It's not going to work. 

10. Please note that the only physical deposits we count, are those that come from sales transactions. We will not factor in transfers, gifts, loans, or anything else that is not from a legitimate sales transaction. For example, if you have $15,000 in deposits, and only $9,000 comes from sales transactions, then you will only get credit for $9,000. Not $15,000. 

1. You Must Process At least $10,000 per month in gross credit card sales.

Money By Jonathan LLC.

3. The yearly earned revenue for this specific business must be no less than $72,000, with all earnings placed into a business checking account.

2. You must be either a U.S. Citizen or a Permanent USA Resident in good standing. No felonies or theft related convictions.