Personal Funding
Funding based on your personal credit and income.
If your credit is strong and your income is steady, you may qualify for unsecured funding without any business history.
Unsecured Funding for Individuals
These products are underwritten on your W-2 or 1099 income and your credit profile. Clients use them to start a business, fund a renovation, or cover a major purchase.
Unsecured term loans
Fixed monthly payments over a set term, with no collateral required.
Lines of credit
Draw funds as needed for ongoing projects or to manage cash flow.
Credit cards
Business credit cards with introductory 0% APR periods and higher limits than personal cards.
Up to $250,000
For an individual
Up to $500,000
For a household, such as spouses or a parent and child
How the Process Works
Apply
Book a consultation and share your basic income and credit details.
See Your OptionsReview
We present the unsecured options that match your profile and your purpose.
Receive
Once you are approved, the funds are released to you. You can keep your current job.
Who Qualifies
- 680+Minimum FICO score
- $45,000Minimum income
W-2 or 1099 income.
- No restrictionsIndustry
Choose How to Begin
Review Your Credit
Pull a three-bureau credit report before you apply.
Check My CreditSchedule a Consultation
Review your options one on one with a funding advisor.
Schedule a CallSubmit Your Details Online
Submit your details without waiting for an appointment. This will not affect your credit, and only our team will contact you.
See Your Options
Reviews from Our Clients
“Communication outstanding,they move with urgency and are as informative as it gets. Call them up!!”
“Delivered as advertised and promised”
“The people at TruFinCo were very knowledgeable, responsive, and easy to work with. The process went smoothly and they helped us receive more funding than we had initially expected. Thank you TruFinCo!”
Frequently Asked Questions
What personal funding options are available?
Personal loans, lines of credit, credit card consolidation, debt restructuring, and specialized programs. An advisor will help you decide which fits your goals.
What credit score is required?
We generally recommend 680 or higher for the best terms. Below 680, we can often help through credit repair first, or identify programs that accept lower scores on different terms.
Do I need collateral?
Most personal funding is unsecured, so no collateral is required. Approval rests mainly on your credit profile, income, and financial history. For larger amounts, a secured option may offer better terms and a higher approval amount.
How is personal funding different from capital stacking?
Personal funding is usually a single product based on your individual credit and income. Capital stacking combines several funding sources into one structure for larger projects, which typically produces more total capital and a plan for how each piece is used.
How long does approval take?
Initial approval often comes within 24 to 48 hours of a complete application. Time to funding depends on the product, the lender, and how quickly any requested documents are provided.
Can I use personal funding for business purposes?
Yes, and many clients do. Because approval rests on your personal credit rather than business performance, it suits startups and businesses without a track record. It can be used for any legitimate business purpose, including inventory, hiring, and expansion.
What are your fees?
We charge a one-time 15% success fee on the total amount funded, paid only after you receive the funds. There is no upfront cost, and the fee can be paid from the funds themselves. It covers strategy, application preparation, and introductions to the lenders we work with.
Find Out What Your Profile Qualifies For
Tell us what the funds are for, and an advisor will show you the options available.