BUSINESS FUNDING

You Have the Vision. Let's Find the Capital.

Whether you are building business credit for the first time or ready to scale with working capital, the right funding starts with understanding your cash flow. As a Lexington Capital partner, I help business owners access capital — without the runaround.

THE PROBLEM

Most Business Owners Do Not Know Where to Start.

Maybe you have never had business credit and do not know how to build it. Maybe you have outgrown your current cash flow and need capital to keep up with growth. Maybe a single piece of equipment or a seasonal gap is standing between you and your next level. Whatever it is — there is a path. The hard part is knowing which one.

WHAT IS AVAILABLE

Funding Built for Where You Are.

Build Your Business Credit

If you are early in your journey or have never established business credit, start here. Options include startup financing up to $200K with no minimum time in business, and co-signer credit lines that build business credit without affecting personal credit utilization. No revenue required to get started.

Working Capital & Lines of Credit

For businesses that need flexible access to cash — whether for day-to-day operations, inventory, or unexpected gaps. Options include same-day funded working capital with no minimum FICO, and revolving lines of credit with no collateral needed.

Term Loans, SBA & Equipment

For larger investments — expansion, major equipment, or long-term growth. Options include SBA loans funding up to $5 million with terms up to 10 years, and equipment financing funded within 48 hours with tax write-off benefits.

DO YOU QUALIFY?

Quick Qualification Guide.

Every funding path has different requirements. Here is a simple breakdown so you know where you stand before you apply.

Build Your Business Credit

Start Up Financing + Co-Signer Credit Line

✓ FICO Score — 700+ minimum

✓ Time in Business — No minimum required

✓ Monthly Revenue — No minimum required

✓ Documents Needed — Tri-Merge credit report only

Working Capital & Lines of Credit

Quick Working Capital + Business Line of Credit

✓ FICO Score — 600+ minimum

✓ Time in Business — 6+ months

✓ Monthly Revenue — $10,000+ per month in business deposits

✓ Documents Needed — 4 months business bank statements + 1 page application

Term Loans and SBA

Business Term Loan + SBA Loan

✓ FICO Score — 650+ minimum

✓ Time in Business — 2 years

✓ Monthly Revenue — $100,000+ gross annual revenue

✓ Documents Needed — 6 months bank statements + tax returns + 1 page application

HOW TO APPLY

Ready to Get Started? Here Is Exactly What to Do.

You do not need a call to get started. Complete the three steps below and send everything to hello@aceyourcashflow.com. I will review your profile and reach out with your options.

Step 1 — Pull Your Tri-Merge Credit Report

This is a soft pull only — it will not impact your personal credit score. Visit the link below, sign up for the $1 trial, download your full tri-merge PDF showing all three bureaus (Experian, Equifax, TransUnion), and send it to hello@aceyourcashflow.com. You may cancel the subscription after downloading.

Pull My Tri-Merge Credit Report →

Step 2 — Complete the Lexington Capital Application

This is a simple one-page application that covers your business information, use of funds, and personal guarantor details. Complete it here.

Step 3 — Send Your Business Bank Statements

Your business bank statements can be uploaded directly inside the Lexington Capital application in Step 2 — look for the upload button in the top right corner of the application screen. If you have your statements ready, attach them there and you are done. No need to email them separately.

Once I receive everything I will review your profile and reach out within 48 hours with your options.

HOW IT WORKS

We Start With Your Cash Flow — Not the Application.

Understand Your Business

Before any application, we look at your cash flow, your goals, and where you are in your business journey.

Match You to the Right Option

Based on your situation, we identify which funding path actually fits — building credit, working capital, or growth financing.

Make the Connection

We introduce you directly to our Lexington Capital partner contact, who guides you through a simple application process.

"This is not about getting you approved for anything. It is about getting you approved for the right thing."

REAL RESULTS

What Becomes Possible.

Building From the Ground Up

A business owner came to ACE with no established business credit and was unsure where to begin. Through our process we identified a startup financing option that required no revenue history and no minimum time in business. She is now building business credit for the first time — laying the foundation for everything that comes next.

Funding the Next Chapter

A business owner came to ACE during a cash flow assessment, working through how to manage growth without straining operations. Through our Lexington Capital partnership, she secured the working capital needed to move forward — and is now positioned to scale with confidence.

Let's Find Your Path.

Capital should move your business forward — not add to the confusion.

Questions? hello@aceyourcashflow.com

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