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GET FUNDED

Apply today and get your

$100,000 Business Loan

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718-747-9360

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Minimum $15,000 in revenue / month

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same day

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next day

Receive between
$25k – $25m

How To Get A $100K A Business Loan?

YM Ventures helps businesses find financing solutions. We create access to new avenues of funding so you can get the capital you need for business growth, purchases, refinancing, and consolidation of debt. If you want a better solution than what traditional banks offer for your business, YM Ventures is the answer. We take pride in being responsive to you and we typically get back to you within the hour during business hours. 

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What People Are Saying About Us.

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Based on 67 reviews
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Tyler Sapkin
Tyler Sapkin
2023-03-29
Avi Stern was absolutely phenomenal working with me. He was diligent, responsive, and an absolute pleasure to work with. Highly suggest using this company and working with him.
Aymee Enriquez
Aymee Enriquez
2023-03-08
Great company to work with! Jake and the team are awesome. Thank you
Miri B
Miri B
2022-05-18
YM ventures were the most amazing funding company I have ever dealt with. They hold your hand throughout the entire process and jump through hoops to help get everything at all hours of the day. They are extremely dedicated, professional and such a pleasure to deal with!!!
paolo moro
paolo moro
2022-03-11
Thank you very much for your Professional work.

Are we a match? Check our minimum requirements.

$15k
business monthly revenue

500+
credit score

4+
months in business

Business
checking account

Who We Are

With a $100,000 Business Loan with YM Ventures, you get the service of a bank with the friendliness of family

We measure our success by yours, treating your business like our own. Unlike many alternative financing companies who are out to make a quick buck on your back, our mission is to guide you towards what’s best for your business, offering you to access to funding solutions up to $25M.
No exorbitant interest rates. No outrageous third-party fees.
Let's Talk
Who We Are

With a $100,000 Business Loan with YM Venture, you get the service of a bank with the friendliness of family

We measure our success by yours, treating your business like our own. Unlike many alternative financing companies who are out to make a quick buck on your back, our mission is to guide you towards what’s best for your business, offering you to access to funding solutions up to $25M.
No exorbitant interest rates. No outrageous third-party fees.
Let's Talk

Why choose YM Ventures for your
$100,000 Business Loan?

Our founding principles:

Honesty

Integrity

Passion

Simplicity

Professionalism

Why choose YM Ventures for your
$100,000 Business Loan?

Our founding principles:

Passion

Integrity

Honesty

Simplicity

Professionalism

$100,000 Business Loan
Loan Information:
Contact Us

YM Ventures is an innovative, boutique finance company with significant financial backing that enables us to work with both small and large businesses throughout the US. With extensive expertise in dealing with private and public companies, we provide corporate entities with uncommon, tailored financing solutions.

YM Ventures is an innovative, boutique finance company with significant financial backing that enables us to work with both small and large businesses throughout the US. With extensive expertise in dealing with private and public companies, we provide corporate entities with uncommon, tailored financing solutions.

$100,000 Business Loan
Loan Information:
Contact Us

Our mission is to partner and assist our clients with both short- and long-term working capital solutions as well as the purchase, refinancing and consolidation of debt in the middle market. This includes transactions of all sizes, across a wide range of industries, and in any type or stage of business with a focus on long-term sustainable value.

Since the first transaction we completed in 2006, YM Venture’s core values have remained unchanged: putting the client’s interests first; treating every client as if they were our only client; completing projects efficiently and effectively through teamwork; being responsive to our clients’ needs; and exceeding expectations. That is why we have earned an excellent reputation for our services throughout the industry.

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Frequently Asked Questions

Is It Hard To Get A $100,000 Business Loan?

Getting a $100,000 business loan can be challenging and it can take time. It depends on your business’s financial health, creditworthiness, and the lender’s requirements. Here are some key considerations:

 

Creditworthiness: Your personal and business credit scores play a significant role in loan approval. Strong credit histories increase your chances of securing a larger loan.

 

Business Financials: Lenders assess all of your business’s financial statements, including revenue, profit margins, and cash flow.

 

Business Plan: You will need to provide the lender with a well-structured business plan that outlines how you will use the loan and demonstrates the growth potential.

 

Collateral: Lenders may require collateral to secure the loan. The type and value of assets you offer as collateral influence loan approval for a substantial amount.

 

Lender Requirements: Lenders have varying criteria and risk tolerance levels. Banks, credit unions, online lenders, and alternative financing sources have different approval standards.

 

Industry and Purpose: The industry you operate in and the purpose of the loan can impact approval. Some industries or uses may be considered riskier by lenders.

 

Personal Finances: Lenders may evaluate your personal financial stability, including debts, assets, and income, particularly for small businesses or startups.

 

Loan Terms: The terms of the loan, including interest rates, repayment periods, and fees, can vary between lenders and impact your ability to manage the debt.

Who is YM Ventures?

We are an innovative finance company with significant financial backing that enables us to find funding solutions of up to $25 million for your business. With extensive financial expertise, we create unique, custom financing solutions that consistently surpass expectations. Our solutions have helped businesses of all sizes and industries. 

 

  • We are investors who deliver flexible funding. We invest our resources into your project.
  • We are initiators who create new avenues so you can get the capital you need to grow your business. 
  • We are negotiators which gains us access to better rates that cut your costs.
  • We are collaborators who harness top talent to commit to your vision.
  •  

We combine the professional service of a bank with the friendliness of family. Our success is tied to yours, and we treat your business like our own. Unlike many alternative financing firms focused solely on profit, our goal is to guide you toward the best choices for your business.

 

Our services include:

  • Non-dilutive unsecured funding: Debt or credit without giving up your ownership or collateral.
  • Bridge loans: Short-term loans to fill financial gaps.
  • Asset-based credit lines: Credit secured by assets like inventory or receivables.
  • Equipment loans: Financing your equipment purchases with the equipment as collateral.
  • Accounts receivable financing: Selling invoices for immediate cash.
  • Debt facilities (with and without warrant coverage): Debt financing agreements with or without stock warrants.
  • Convertible debt for profit-producing: Debt that converts to equity for early-stage companies.
  • Pre-revenue organizations: Help for early-stage businesses that have not yet generated income.

 

At YM Ventures, we quickly help you find short- and long-term working capital solutions for your small business as well as for purchase, refinancing, and consolidation of debt in the middle market. Our steadfast core values have earned us an outstanding reputation among our clients and also within the financial industry.

What Credit Score Do I Need For A 100k Business Loan?

To qualify for a $100,000 business loan, you’ll need a strong credit score, but the specific requirement varies by lender and loan type. Here are general guidelines:

  • Excellent Credit (720+): Increases chances of favorable terms and lower interest rates.
  • Good to Very Good Credit (680-719): Still eligible for competitive terms.
  • Fair Credit (580-679): May face stricter requirements, higher rates, or collateral requests.
  • Poor Credit (<580): Challenging to secure traditional loans; consider alternative or secured options.

How Hard Is It To Get A $100 K Business Loan?

Securing a $100,000 business loan can be difficult, with the level of difficulty varying based on creditworthiness, business financial health, a well-structured business plan, available collateral, and lender requirements. Your industry and the purpose of your loan, your personal finances, and the specific loan terms will also be needed for approval. And approval can take a long time. 

How Much Collateral Do You Need For $100,000 Loan?

The amount of collateral needed for a $100,000 loan varies based on bank policies, whether it’s a secured or unsecured loan. the value of the collateral,  your creditworthiness, and the perceived risk of the loan. 

Can I Get A $100,000 Loan With A 700 Credit Score?

A credit score of 700 might be eligible for a business loan but banks will consider not only your credit score but also your overall creditworthiness. They assess your income, debt-to-income ratio, and credit history. Some banks may have higher minimum credit score thresholds for larger loans like $100,000. Even when you have a decent credit score like 700, the loan rate you receive may be based on other factors in your application like collateral, lender requirements, your business financial health, your personal financial history, your industry, and other considerations.  

Can I Get A 100k Loan With 800 Credit Score?

A credit score of 800 increases your chances of loan approval, favorable terms, and lower interest rates. But loan approval from a bank requires a variety of other conditions to be met for approval such as lender requirements, collateral, and a good business plan. plus your business financial health and your personal finances would be examined.

How Easy Is It To Get A $100,000 Loan?

It’s not easy to get approved for a $100,000 business loan from a bank, so be prepared to provide financial statements, tax returns, and other documentation to the bank to support your loan application. Traditional lenders such as banks require a well-documented business plan outlining how you will use the funds and repay the loan. They will assess your business’s financial stability, cash flow, and profitability. Some industries are considered to be higher risks which affect loan terms and approval.

 

A smarter choice for your small business would be to access short-and long-term capital solutions through YM Ventures. We provide creative, customized solutions for funding of up to $25 million for all sizes of businesses, across a wide range of industries, in any stage of business development, while focusing on long-term sustainable value.

How Much Would A $100,000 Loan Cost Per Month?

The monthly cost of a $100,000 business loan from a bank can vary significantly depending on the interest rate, loan term, and type of loan. Loan terms and interest rates can vary widely. For a business term loan with a 5-year term and an average interest rate of around 7%, the monthly payment would be approximately $1,989. Interest rates fluctuate based on market conditions and creditworthiness. Bank loans with shorter terms typically have higher monthly payments but lower overall interest costs, while loans with longer terms have lower monthly payments but higher total interest expenses. When you are looking for a better way to finance your business needs, consider YM Ventures for new avenues of funding. 

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