Frequently Asked Questions
What types of financing does EJN Financial offer?
EJN Financial offers a wide array of funding solutions tailored to both real estate investors and business owners. For real estate, they provide options like Fix & Flip, Fix & Hold, Multifamily, Rental Property Loans, and Ground-Up Construction funding. On the business side, they offer Merchant Cash Advances, Business Lines of Credit, Equipment Financing, Invoice Factoring, Term Loans, and SBA Loans. They also specialize in unique offerings such as Asset-Based Funding, Bridge Loans, and Second Mortgages.
How does the application process work?
The application process at EJN Financial is simple and efficient, designed to reduce friction and accelerate funding. It begins with a short online prequalification form where applicants submit basic information about their business or investment project. Once received, their underwriting team reviews the submission and reaches out to discuss suitable funding options. If approved and the offer is accepted, the funds are deposited directly into the business’s bank account, often within 24 to 48 hours.
How long does it take to receive funding?
Funding is typically disbursed very quickly—usually within one to two business days—after the applicant submits all required documentation and signs the final agreement. EJN Financial prides itself on offering rapid funding solutions without the extensive delays often associated with traditional lenders.
What are the eligibility requirements?
Eligibility for funding is not solely based on credit scores. Instead, EJN Financial takes a more holistic approach by assessing the overall health and potential of your business. They support over 500 industry sectors, including restaurants, healthcare, retail, manufacturing, construction, and more. This flexible underwriting model allows them to work with businesses and entrepreneurs who may not qualify through traditional lending avenues.
What documents are needed to apply?
Applicants should be prepared to submit a few key documents to facilitate the underwriting process. These typically include recent business bank statements, a copy of a driver’s license, and a voided check from the business bank account. Providing these documents upfront can help ensure a faster approval and funding timeline.
Can I choose the amount of funding I receive?
Yes, even if you are approved for a higher amount, you are not obligated to accept the full amount offered. EJN Financial gives clients the flexibility to accept only the amount of capital they need, providing greater control over repayment terms and financial planning.
How does EJN Financial differ from traditional banks?
Unlike banks that typically impose rigid qualifications and take weeks to process loans, EJN Financial focuses on fast, flexible funding with personalized support. Their approval requirements are generally more lenient, and they offer post-funding strategic and financial consulting at no additional charge. This positions them as a business partner—not just a lender—invested in your success.
Is my credit score the only factor considered?
No, your credit score is just one of many factors considered during the approval process. EJN Financial prioritizes business performance, cash flow, and growth potential. This broader perspective allows more applicants to qualify, especially those whose credit scores may not fully reflect their business’s financial health or future potential.
How can I get started with EJN Financial?
Getting started with EJN Financial is easy. You can visit their website at ejnfinancial.com and click on the “Apply Now” button to begin the prequalification process. If you prefer to speak with someone directly, you can call them at 727-513-6983 or send an email to [email protected]. Their team is available to assist you with personalized guidance every step of the way.