Brand New PROGRAM

Check out our BRAND NEW credit repair program! More info below.

Line of Credit:

• Description: A flexible borrowing arrangement that provides access to a predefined credit limit. Borrowers can withdraw funds as needed, repay, and reuse without needing to reapply.
• Use Case: Suitable for managing short-term cash flow fluctuations, unexpected expenses, or bridging gaps in working capital.
• Pros: Flexibility, interest paid only on the borrowed amount, quick access to funds.
• Bridge Line: This program allows for clients with no history to gain access to a credit line through a processing company through our network. An agreed on amount is advanced to the client. The client then makes an agreed upon number of payments to insure no issues in the future in regards to making payments to DVG Investings. An amount for an LOC is agreed upon before the initial advance comes in. Once all the required payments clear the client will have access to the credit line.  

Term Loan:

• Description: A lump sum loan with a fixed repayment schedule, including interest, over a specified period. Both principal and interest are paid in installments.
• Use Case: Appropriate for larger investments like equipment purchase, business expansion, or long-term projects.
• Pros: Predictable monthly payments, lower interest rates compared to some other loan types, structured repayment.

Small Business Loan:

• Description: A general term referring to various loan types designed specifically for small businesses. These can include term loans, lines of credit, SBA loans, and more.
• Use Case: Funding for a wide range of business needs, from working capital to expansion.
• Pros: Tailored to small business needs, potential for competitive interest rates, various options to choose from.

Merchant Cash Advance:

• Description: A financing option where a lump sum is provided in exchange for a portion of future receivables. Repayment is linked to daily or weekly debits.
• Use Case: For businesses with consistent receivables looking for quick cash but with fluctuating revenue.
• Pros: Fast approval and funding, repayment tied to sales volume, no fixed monthly payments.

Invoice Factoring:

• Description: Selling accounts receivable (unpaid invoices) to a third party (factor) at a discount. The factor collects payment directly from customers.
• Use Case: To improve cash flow by converting unpaid invoices into immediate funds.
• Pros: Fast access to cash, offloads collection responsibilities, suitable for businesses with outstanding invoices.

Equipment Financing:

• Description: A loan specifically for purchasing business equipment. The equipment itself often serves as collateral.
• Use Case: Acquiring machinery, vehicles, or technology necessary for operations.
• Pros: Dedicated funding for equipment, the equipment itself may serve as collateral, tax benefits in some cases.

Employee Retention Credit (ERC):

• Description: Not a loan, but a refundable tax credit offered to eligible businesses that retained employees during certain challenging periods (e.g., the COVID-19 pandemic).
• Use Case: Financial relief to support employee retention and business continuity.
• Pros: Provides a tax credit to help offset payroll costs, no repayment required.

Credit Repair:

• Description: The process of improving a person's creditworthiness by addressing and rectifying negative credit information.
• Use Case: Enhancing credit scores to qualify for better loan terms and financial opportunities.
• Pros: Improved credit options, better rates, increased financial flexibility.