Frequently Asked Questions

We provide business funding consulting services. This includes helping clients secure working capital loans, credit card stacking, business lines of credit, equipment financing, syndicated term loans, and more through our network of trusted lenders.

No, we are not a direct lender. We work as consultants to connect businesses with alternative lenders who offer flexible funding solutions.

Alternative lenders offer faster approvals, lower documentation requirements, flexible credit criteria, and funding options for startups or businesses with less established financials.

Funding timelines vary by program. Some options, such as credit card stacking or working capital loans, can fund in as little as 3–7 business days after approval.

Credit card stacking is a funding strategy where multiple business credit cards are obtained at once to maximize available credit limits. It’s ideal for startups or businesses needing 0% interest introductory periods

While some programs require a minimum personal credit score (typically 650–680+), we offer solutions for a variety of credit profiles. Our team can assess your credit report and recommend the best options.

You can start by giving us a call (866-450-1692) or scheduling a phone consultation to review your business needs. Then match you with suitable funding options.

Our fee is paid by the lender, not by you. You won’t owe us anything directly—there are no hidden charges or upfront fees for our assistance in securing your funding.

Requirements vary by program. In many cases, we only need a soft credit report, identification, and a brief application form to start the pre-approval process.

Yes, we have programs specifically designed for startups with no revenue or time in business, such as business credit cards and no-documentation loan options.

Traditional banks often have stricter requirements:

- Minimum 2+ years in business

- High revenue and strong business financials

- Higher credit score requirements

- Longer approval and funding times (weeks or months)

At Proactive Investment Solutions, we work with alternative lenders who offer:

- Faster approvals and funding (as little as 3–7 days)

- Flexible credit and income requirements

- Funding options for startups and businesses with no revenue

- Programs like credit card stacking and no-doc loans that banks don’t provide

We focus on making business funding quicker and more accessible.