YOUR STRATEGIC CONSULTING FIRM
IN EDUCATION AND BUSINESS CONSULTING
Discover your strategic partner in Quantum Business and Education Advisors, with over 35+ years of experience in business consulting, real estate, credit building, and loans.
Our network of experts offers personalized solutions, from business structuring to securing lines of credit and financing.
We are committed to your business and educational success.
Start your financial transformation today!
YOUR STRATEGIC CONSULTING FIRM IN EDUCATION AND BUISNESS CONSULTING
Discover your strategic partner in Quantum Business and Education Advisors, with over 35+ years of experience in business consulting, real estate, credit building, and loans.
Our network of experts offers personalized solutions, from business structuring to securing lines of credit and financing.
We are committed to your business and educational success.
Start your financial transformation today!
We understand that financial education is key to empowering our clients.
Financial literacy for all business owners and families is our mission and passion.
We pride ourselves on being more educators than salespeople, focusing on imparting valuable knowledge that enables our clients to make informed and secure financial decisions.
Our comprehensive educational programs cover essential topics such as:
– Budgeting
– Saving
– Managing credit
– Planning for retirement
Whether you seek interactive tools, personalized coaching, or detailed courses, we have the resources to guide you every step of the way.
Years in business
Credits processed
Amount handled
At Quantum Business and Education Advisors, we want to be hired for our skills as financial educators.
We offer high-quality financial education designed to meet the needs of businesses and individuals, helping you gain the knowledge and tools necessary for financial success.
Your journey to financial empowerment starts here!
SERVICES OFFERED
BUSINESS CONSULTING
REAL STATE
RESIDENTIAL & COMMERCIAL LOANS
BUSINESS FINANCING
CREDIT LINES
INVESTMENT STRATEGIES
BILINGUAL FINANCIAL LITERACY EDUCATION
FUNDING OPTIONS
Get the funding you need from Quantum Business & Education Advisors.
Even when banks say no, we say yes!
When it comes to funding, we take a different approach with our alternative options. We don’t have the same red tape that many banks do when funding high-risk industries.
Below are just a few of our funding options:
Unsecured Business Funding/Capital Stacking
Our unsecured business funding option is one of our most popular loan options as it’s among the easiest to qualify for, and this is the first step for many in obtaining and building business credit. This will help you get approved for even more loans and credit lines as your business credit is established. Below are our funding requirements for this option.
REQUIREMENTS
STATED INCOME:
No income documentation is required to qualify. No bank statements or tax returns are needed.
TYPICAL RESULTS
This program is based on your personal credit profile, not on your income, requiring only a few established accounts to meet our pre-qualification. The total revolving credit lines can range from $20,000 to $200,000. The goal of this type of funding is business credit so it will not reflect on your personal credit.
PRE-QUIALIFYING
The applicants’ lowest scores only need to be 680 or higher, or a credit partner (business partner, spouse, relative, etc.) can be used as a personal guarantor for funding.
SOFT CREDIT PULL
We can get you a funding offer without a hard credit pull.
CREDIT PARTNER
Don’t have the 680 requirements yet? You don’t have to worry! You can bring in a credit partner, such as a business partner, spouse, relative, or friend, to personally guarantee the loan for a short time while you work on your personal credit. There will be no impact on their personal credit as these are business lines of credit that report to Dun & Bradstreet, not their personal credit profile.
We are now happy to offer an addition to our business funding program. The Fast Track is perfect for individuals with a credit score of 650+ who are looking to establish a credit profile. The funding range is $5,000 to $25,000 and still at 0% for 12 to 24 months.
Ask for an appointment to review your funding offer.
CBusiness Line of Credit
A commercial line of credit (LOC) provides flexibility for the business owner. Instead of a fixed amount granted all at once, funds can be accessed as needed. The funds are available as soon as any previous balance is paid off.
REQUIREMENTS
Monthly gross sales of at least $30,000
At least 1 year in business.
Minimum FICO score of 600.
Customers typically qualify for 1-1.5 times the monthly gross sales.
BENEFITS:
Funding range: up to $250,000
Funding type: Line of credit.
Funding term: 3+ days.
Rate and terms: Vary based on credit profile.
Fee: Determined according to the agreement.
Equipment Funding
Businesses use equipment financing to acquire equipment through leasing or financing, ultimately freeing up working capital. A term loan is available for initial payments.
REQUIREMENTS
Minimum of $15,000 in monthly gross sales or $180,000 annually.
Commercial Driver’s License (CDL) may substitute for monthly income.
A significant down payment is required for beginners purchasing a truck.
Equipment financing can be for any type of equipment.
BENEFITS:
Funding range: $10,000 – $5,000,000
Rate and terms: Vary based on credit profile. Terms from 1 to 5 years.
Fee: Determined according to the agreement.
Merchant Cash Advance
The Merchant Cash Advance is a cash advance for merchants that is repaid by withdrawing a percentage of credit card sales, usually daily. Ideal for a business owner with poor credit but good earnings.
REQUIREMENTS
At least $25,000 in monthly revenue.
At least 1 year in business.
BENEFITS:
Funding Range: up to $5,000,000
Funding term: Same-day funding.
Rate: Will vary based on credit profile.
Fee: Determined according to the agreement.
Terms: 6 to 24 months.
Real Estate Funding
Start or build your real estate portfolio with our competitive real estate financing. We can finance the following properties:
- Purchase and Hold
- Commercial
- Fix and Flip
- Multifamily
- Single Family
- Ground-Up Construction
- Vacant Land
- For primary residences ask for more information
REQUIREMENTS
Minimum credit score of 640.
The down payment depends on the agreement; on average, it’s a 20-25% down payment when purchasing an investment property (we can assist with GAP financing).
Commercial only: We cannot finance primary residences.
Leverage will be lower, and the rate higher for foreigners.
BENEFITS:
Funding range: We can finance small properties (under $100,000.00) up to ?? with no limit.
Funding timeline: 3 days to several months on large projects.
Rate: Depends on credit score and experience.
Fee: Determined according to the agreement.
Deals we finance: Buy & Hold / purchase and hold (DSCR), Fix & Flip, multifamily, single-family, commercial, ground-up construction and developments, CASH-OUT REFINANCING.
CONTACT US TODAY
Contact me!
M. Elena Hernandez
(661) 873-4177 Bus. ☎️
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