Consumer Business Loan

The Term Loan program is either an add-on to, or in lieu of, the UBF program when the applicant meets eligibility and is agreeable to either a portion – or all – of their funding supplied in the form of cash term loans with a fixed monthly re-payment.

Criteria Summary

low documentation

Just need proof of identity and proof of income. If W-2 employee, will need last two pay stubs. If self employed, will need most recent business and personal tax returns. Banks will go by Adjusted Gross Income.


This program is completely non-collateralized, but every application still requires the personal guarantee of the applicant.

typical results

This is an aggregate program requiring multiple accounts to meet our pre- qualification. The combined total amounts are from $25,000 up to $300,000 per applicant.

type of funding

The funds can be used for business purposes but this program is based entirely on consumer financing consisting of mostly Term Loans, but sometimes include Lines of Credit (with check writing capability). All accounts will report on personal credit.

interest rates

The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).


Applicant needs at least a 650 FICO and over $35,000 in annual income (Adjusted Gross Income), but an actual pre-qualification will depend on Debt-to-Income ratio. *650+ FICO and $35k+ income does not guarantee eligibility.


The process takes about 3-5 weeks, plus or minus, depending on the situation.

success fee

There are no upfront nor any recurring fees. Once the funding has been established, the company is due its Success Fee, which is a percentage of the total aggregated funding. The Success Fee can be conveniently paid with proceeds from the new funding.

soft credit pull

If the applicant doesn’t have an account with a credit monitoring website where they can share their report with us, we can run credit without a hard inquiry.

Client Testimonials

We Simplify the Finance process

Get In Touch

Contact Form

Get Pre-Qualified

No cost or obligation to get pre-qualified

Diamond Financial does not pull your credit report or affect your FICO score

We are not a direct bank.

Request Information

Contact Form