Get instant funding with rates as low as 6.79% for top qualifying customers. Apply with no impact to your credit score.
Get instant funding with rates as low as 6.79% for top qualifying customers. Apply with no impact to your credit score.
Get instant access to approved draws with a complimentary Refined Investment Group Business Checking account.
Apply for credit lines up to $250,000 and only pay for what you use, with rates as low as 6.79% for top qualifying customers and no maintenance fees.
Draw funds when you need to cover big expenses, improve cash flow, and take advantage of growth opportunities.
Join the growing community of 500K+ businesses across the U.S. we’ve helped access the funding and banking solutions they need.
Our most popular loan products allow you to leverage up to 200% of your gross monthly revenue.
Combining the high approval amount of a term loan and the flexibility of a merchant cash advance.
We will find the right one for you and help you get approved. One of our experts will guide you through the entire application process
Enables your business access to funds immediately, all online and hassle free.
Combining multiple debts into one loan, often reducing interest rates and payments.
We help business owners repair and build credit to secure funding.
A revolving credit line you can draw from 24/7 to receive funds within seconds.
A one-time lump sum of cash with an eventual option to apply for more.
A business line of credit gives you access to funding when you want it, up to your credit limit. Unlike traditional one-time loans, a Refined Investment Group Line of Credit is “revolving credit,” meaning your available credit replenishes as you make repayments, so you can draw additional funds without having to fully re-apply. Though, all draws are subject to review and approval.
Once approved for a credit line, we’ll deposit funds in your account as soon as a few hours, pending review and approval. Depending on which repayment plan you qualified for, we’ll automatically debit your account for weekly or monthly repayments. As you pay off your balance, the amount of available credit you can request automatically replenishes. You can save on interest when you pay early. We don’t charge early repayment fees.
You can apply for a Refined Investment Group Line of Credit on our website. We’ll ask you for some basic information about you and your business. Once your application is submitted, you could get a decision in as little as five minutes. Just make sure you meet these minimum qualifications:•
$10,000 in monthly revenue
• 625+ personal FICO credit score
• In business for 12+ months
• Corporation or LLC
• No bankruptcies in the past year
• In good standing with your Secretary of State
• Business is operating or incorporated in an eligible U.S. state
• Ineligible states include: Nevada, North Dakota, South Dakota
• An active bank connection or statements from the last 3 months (a connected account makes it faster and easier to confirm your information).
You can apply for a Refined Investment Group Line of Credit as long as your business meets the minimum qualifications and does not operate in one of the following ineligible industries or states:Ineligible industries:• Illegal gambling
• Pornography and paraphernalia
• Political campaigns
• Firearms and paraphernalia
• Other controlled substances (including medicinal marijuana, marijuana, cannabis, and hemp) and paraphernalia
• Financial institutions and lenders (including insurance, penny auction companies, and cryptocurrency)
• Auto dealershipsIneligible states:• Nevada
• North Dakota
• South Dakota
• U.S. territories
While applying and reviewing an offer will not impact your personal credit score, accepting an offer may result in a hard inquiry. Further, if you default on a Refined Investment Group Line of Credit you may be subject to negative business reporting and personal credit reporting in your role as guarantor.
With funds in as fast as 24 hours and simple interest rates, a Refined Investment Group Line of Credit lets you take advantage of growth opportunities early.You could use a line of credit to cover payroll, hire full-time or seasonal employees as you need them, stock up on extra inventory during a sales rush, or buy materials or equipment for your next big project. You could also renovate your office, warehouse, or storefront, or lease a larger one. Learn how to make the most out of your line of credit.
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