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Lending FAQ

One of the most important pieces to buying or selling a home is securing financing, known commonly as a mortgage.  A mortgage can be easily defined as a loan that a bank or mortgage lender gives a purchaser to help with the purchase of a home. It’s important, whether buying or selling a home, to understand the ins and the outs of mortgages.  Since the majority of people who buy a home will be in need of a mortgage, having an understanding of the most frequently asked questions can greatly reduce the confusion of obtaining a mortgage.

There are hundreds of questions regarding mortgages that are asked on a daily basis.  There is no such thing as a “dumb question” when it comes to mortgages.  There are some questions that are more frequently asked than others when it comes to mortgages and home financing.

How important is my credit score in qualifying for a loan?

Some of our products do not even look at your personal credit scores. If your credit isn’t well established, isn’t perfect or even badly damaged, we can work to find strengths in your business or finances to still make a loan possible. We know often people hit roadblocks in life, and those can sometimes hurt your personal credit scores. If you want to address what you can do to raise your personal scores, so you can widen your search when looking for funding, we can assist with personal and or business credit repair and building.

Does IA Capital offer services other than loans?

Local businesses choose to work with us for more reasons than just access to loans. We leverage the member companies of IA Capital who offer services that cater to the needs of small businesses. Some of the offerings are; merchant processing, payroll, Information Technology Consulting, Website development, Computer Training and Products and many more services that can help you grow and prosper. Our staff will go the extra mile for you throughout your application process, the life of your loan and beyond. We can help you connect with peers, local organizations, banks and more to provide as many opportunities for growth as possible. You can call us any time and connect with a live person. And of course, you can access all our business resources.

What makes IA Capital different from other financial institutions?

IA Capital’s has recently applied to the US Treasury for certification as a Community Development Financial Institute (CDFI). That will allow us to offer US-backed funds to many more economic & community development projects such as helping small business owners succeed and communities thrive. CDFI’s lend to small business owners who have trouble obtaining loans from mainstream financial institutions. The underwriting process looks at more than just credit scores and offers terms that are flexible and designed to best meet your needs.

What types of businesses does IA Capital lend to?

IA Capital works with businesses in a variety of different industries such as construction, real estate, transportation, retail sales, landscaping, restaurants, professional services and many more.

Will my start-up business qualify?

The lending team at IA Capital has worked with thousands of businesses across the country including new Start-ups. We have programs geared especially for new startups that can help you get the funding you need.

What is the application process like?

Once you submit your online application, we’ll be in touch within 2 business days. For those that are pre-approved, you’ll be put in touch with a lending team member who will work with you one-on-one to assemble the strongest loan application possible. This will include documentation to confirm some of the information submitted in your application, as well as some other documents to help us understand your specific business situation. We will explain your options so you can make the best decisions to meet your needs.

What if I don’t qualify?

It does happen….If you don’t qualify for a loan with us at this time, we’ll give you the information you need to improve your financial situation so that you have an improved chance of qualifying on your next application. We’ll work with you to address the issues so that you can reapply in three to six months.

How much should I apply for?

When thinking about how much you should apply for, consider the following:

1. Loan Use – What will I use the loan for specifically and do I know how much that costs?

2. Monthly Payments – Will I be able to comfortably afford the monthly payments that will come with the loan?
Click here to check out a monthly payment calculator.

Are IA Capital loans guaranteed by my business or personal credit?

IA Capital makes both, loans that require a personal guarantee (such as a home mortgage) and we also offer loans that do NOT require any personal guarantees.

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