YOU ONLY NEED A 500 FICO! LOW CREDIT SCORE IS NO PROBLEM!

Video Inspiration Link : https://www.youtube.com/watch?v=4_cVBlR34rg

Summary: BrightCap Business Loans & Lines of Credit

Main Idea

The video introduces BrightCap, a direct private lender offering up to $300,000 in business term loans or business lines of credit — with no financial documents required and no hard credit inquiry.

1. Product Overview

BrightCap provides two main products:

• Bright Line (Line of Credit)

• Term Loan

Both products are backed by private equity funding through Intervest Capital Partners, which manages over $13.9 billion in originations annually.

2. Bright Line (Line of Credit)

• Flexible revolving credit line.

• Pay interest only on the amount used, not the full limit.

• Designed for established businesses needing on-demand capital.

• Soft pull only (Experian) — no impact on credit score.

• Requirements:

  • 680+ FICO score

  • 3+ years in business

  • $75,000+ annual revenue

Benefits:✅ No unnecessary interest✅ Access funds anytime✅ Fast same-day approvals

3. Term Loan

• Fixed loan amounts from $15,000 to $300,000.

• Terms: 6–24 months.

• Soft pull only (Experian) — no hard inquiry.

• Requirements:

  • Minimum 500 FICO score

  • 2+ years in business

  • $75,000+ annual revenue

  • Government-issued ID

Best for: newer or rebuilding businesses needing fast capital.

4. Underwriting & Application

• No tax returns, profit/loss statements, or balance sheets needed.

• Uses Plaid integration to review last 3 months of bank transactions.

• Approvals often within hours during business days.

• Funds typically wired same day after approval.

5. Backing & Affiliates

• BrightCap is part of a network of lending and equipment finance companies, including Northern Mill Equipment Finance and Oxford Finance.

• Supported by Intervest Capital Partners, a major private equity firm specializing in specialty finance and asset-based lending.

6. Recap

Product	Credit Score	Time in Business	Funding Limit	Pull Type
Term Loan	500+	2 years	Up to $300K	Soft (Experian)
Bright Line	680+	3 years	Up to $300K	Soft (Experian)

Both require $75K+ annual revenue and have no hard credit inquiry.

7. Takeaway

BrightCap offers one of the easiest, no-document, soft-pull funding options for small business owners — combining flexibility, speed, and accessibility with backing from major private capital.Businesses can apply online and receive decisions the same day.

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