Are high-interest debts causing financial strain? It’s time to take control.

For small business owners, juggling multiple debts from various sources can quickly become overwhelming. High-interest rates, varying due dates, and confusing terms can lead to missed payments and mounting stress. Simmons Capital understands the challenges you face and offers debt consolidation loans to simplify your financial obligations and provide peace of mind.

What Is a Debt Consolidation Loan?

A debt consolidation loan combines several smaller debts into a single, larger loan. This allows you to:

• Replace high-interest rates with a more manageable one.
• Reduce the number of payments you need to make each month.
• Gain a clearer picture of your financial situation.

For example, if you’re paying off credit card debt, vendor financing, and equipment loans with varying interest rates and due dates, consolidating them into one loan can save you time, money, and mental energy.

Benefits of Debt Consolidation Loans

1. Lower Interest Rates: Consolidation loans often come with more favorable rates than credit cards or other high-interest financing. Over time, this can save your business thousands of dollars.
2. Simplified Repayments: With only one loan to manage, you’ll no longer need to juggle multiple deadlines and invoices.
3. Improved Cash Flow: Consolidating your debts can result in lower monthly payments, freeing up funds to reinvest in your business.
4. Potential Credit Score Boost: Successfully managing a single loan can improve your credit score, opening the door to additional funding opportunities.

How Simmons Capital Makes It Easy

Unlike traditional banks, Simmons Capital prioritizes your convenience and success. Here’s how we simplify the debt consolidation process:

• Fast Approvals: Get the funds you need without waiting for weeks.
• Flexible Terms: We’ll work with you to create a repayment plan that fits your business’s cash flow.
• Personalized Support: Our team helps you evaluate your debts and recommends the best strategy for consolidation.

Start Your Financial Recovery Today

Don’t let debt control your business’s future. Contact Simmons Capital to learn how a debt consolidation loan can simplify your repayments and set you on the path to growth and stability.

2. Funding Options Beyond Credit Scores: Non-Bank Lending Solutions

Struggling to secure funding because of your credit score? You’re not alone—but you’re not out of options.

Traditional lenders, like banks, often prioritize credit scores as the primary factor in determining loan eligibility. For small business owners with less-than-perfect credit or limited credit history, this creates an unfair barrier to essential funding. At Simmons Capital, we believe your business’s potential matters more than a number on a report. That’s why our non-bank lending solutions focus on flexibility, speed, and accessibility.

Why Banks May Turn You Down

When applying for a loan from a traditional bank, you’re often required to meet rigid criteria, including:

• A credit score above a certain threshold.
• Lengthy business history with substantial revenue documentation.
• Collateral to secure the loan.

These requirements can exclude many hardworking business owners who simply need a helping hand to grow.

How Non-Bank Lending Solutions Work

Non-bank lenders, like Simmons Capital, use a broader set of criteria to evaluate your loan application. Instead of focusing solely on your credit score, we consider:

• Cash Flow: Your current and projected revenue streams.
• Business Potential: Growth opportunities and industry trends.
• Custom Needs: Your specific funding goals and timeline.

Why Choose Non-Bank Lending?

1. Fast Approvals: Unlike banks, which can take weeks to review applications, non-bank lenders prioritize quick turnarounds.
2. Flexible Requirements: No need for perfect credit or extensive documentation.
3. Tailored Solutions: Loans designed to fit your unique needs, whether it’s equipment financing, working capital, or payroll funding.

Your Partner in Growth

At Simmons Capital, we specialize in empowering small business owners with practical funding options. Don’t let your credit score define your business’s future. Apply today and experience how non-bank lending can unlock your potential.