Credit Information

Credit Information

Credit Card Information

As they say, it takes money to make money. At Red Sand Financial, we understand that and want to help companies be able to have access to the cash that they need in order to expand their business and grow to the next level!

Let Red Sand be the company to help you take your business to the next level! We can offer businesses the startup business loans and credit lines that they need in order to become a successful business and help improve their business—or even start their business from scratch! If you have a business idea in mind, whether to start a whole new company from the ground up, or to improve an already existing entity, don’t let that vision die just because you don’t have the financial means to make it a reality.

Taking your business to the next level is a decision that you would never regret, especially when you see how much more you are making than what you initially invested in the first place.

Credit Lines
  1. Low Interest rates

  2. No Collateral

  • Our business credit cards are unsecured
  • We don’t require collateral
  • No liens against any work equipment or property
  1. No Upfront Cost
  • Red Sand Financial is paid on results
  • We assess a 9.9% fee of the total amount of Business Credit you receive, payable out the lines you receive
  • No restrictions on use
  • Our business credit cards can be used to invest in real estate or rehab
  1. Business Credit Cards will not report on personal credit bureaus
  • Drawing funds from your business credit cards will not affect your debt to income ratio
  1. Funding in as little as 20 business days
  • Quick approvals
  1. No doc income verification
  • No income verification
  • Only stated income

Credit Information FAQ

Are there any restrictions to unsecured business credit lines?

There are no restrictions on our business credit lines. It can be used the same as cash. But credit lines are effectively used to overcome short-term capital requirements which are a 0 – 24 month payback period. Examples include:

  • sales and marketing campaigns
  • flipping real estate
  • expansion, etc.
Do I need to provide any documentation about my personal or business income?

We don’t require income verification. We only require stated income.

My company is new; can I still receive unsecured business credit?

Absolutely! We offer business lines of credit specifically for startup companies. If you’ve been in business for less than two years, you may still qualify for up to $25,000 unsecured business capital.

Are there any upfront fees?

There are NO upfront fees. We only charge a 9.9% one time success fee only when you are approved and funded. You can use your business lines of credit to pay for the fee.

Isn’t the 9.9% success fee too high?

Not at all. A typical hard money lender charges 15% APR plus 3 or 4 points and requires at least a 20% down payment. Each project would cost you high interest rates and additional points. Our program only charges a one time 9.9% fee and the business lines of credit have 0% APR for the first 12 months and does not require any down payment. All additional projects that you might have for the first year will be interest free because of the 0% introductory rate.

Are business credit cards unsecured business lines of credit?

Absolutely, a business credit card is one of the most common forms of unsecured business credit. While the format of the credit line causes most business owners from obtaining them, our trained professionals teach our clients how to draw on the lines efficiently, so that they may be used similar to a check-book line of credit, without paying outrageous cash advance fees. While credit cards are often stigmatized by the public with bad debt, our clients are coached on how to creatively utilize these cash sources to grow their businesses faster than their competition.

My company is outside the United States, can I still get funding?

Unfortunately, we can only fund LLCs, companies, and corporations within the United States. (We are able to fund businesses in almost every US state)

Is my information secure?

Yes, our website is secured with a full 256 bit encryption.

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