A) No, never! Neither MACO nor MACO’s partner will ever ask you for up front fees. Ever. In fact, all fees paid are paid out of the funding that we secure for you, AFTER you’ve received them. You will have $0.00 out of pocket expenses.

A) No, not up front to qualify. Believe it or not, we will NOT run your credit for a prequalification. We believe it’s vitally important to protect your credit throughout your process of securing capital. Rather, we have you provide one for us - this eliminates a hard inquiry on your report. Now the Credit Report you provide us must be a full tri-merge credit report (meaning a complete report from all three credit bureaus: Experian, Transunion, and Equifax).

We highly recommend mySCOREiq as they provide a very complete Tri-Merge report for just $1.00. Here’s a link to obtain >> mySCOREiq I Credit Report

A) Unsecured means that the loan has no collateral to “secure” the lenders loan to you. No collateral means no liens on any sort of property, real or personal. This makes unsecured loans very beneficial for use of down payment assistance on a rehab loan or new construction loan for investment purposes.

A) Nope! Most of our business funding capital is unsecured, meaning we do not require any collateral whatsoever. This makes it ideal for startups, working capital, businesses with a lack of assets, etc

A) No. There are absolutely no restrictions on industry for startup funding capital.

A) On business funding, our partner's funding amount ranges from $50,000 to $500,000.

On Real Estate transactions (secured) our lenders fund from $67,500 to $50,000,000+

A) We are qualifying based on the applicants: Credit score (minimum 680 across all three credit bureaus), Income (We look to your past 2 years Personal Tax Returns for your net income / Adjusted Gross Income), your Debt-to-Income ratio (to qualify for Term Loans), and your overall credit utilization (to qualify for Business lines of credit).

**Note, if more capital is required, multiple applicants may apply to obtain a greater funding amount. Each applicant would qualify on their own merit

*** Note, for the Cannabis industry, we may qualify working capital based on your previous 24-mo gross revenue, to be verified with 2-3 years of Personal and Business Tax Returns

A) Our working capital loans are qualifying based on the applicants: Credit score (minimum 680 across all three credit bureaus), Income (We look to your past 2 years Personal Tax Returns for your net income / Adjusted Gross Income), your Debt-to-Income ratio (to qualify for Term Loans), and your overall credit utilization (to qualify for Business lines of credit).

**Note, if more capital is required, multiple applicants may apply to obtain a greater funding amount. Each applicant would qualify on their own merit.

*** Note, for the Cannabis industry, we may qualify working capital based on your previous 24-mo gross revenue, to be verified with 2-3 years of Personal and Business Tax Returns

A) No. Our startup funding is offered through two programs: 1) Term loans, on a 5-7 year term, and 2) unsecured business lines of credit. These are GREAT lower cost alternatives to MCA loans.

A) Yes and No. Yes, in that if you can’t qualify for funding on your own, you can have another individual apply to qualify. No, in that they won’t be a “co-signer” on your application, they would be their own applicant altogether. Personal loans don’t have co-signers in the typical sense of the term.