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Division 2 of 5 · Non-traditional loans, credit, and business funding

Lending & Capital

Money follows preparation. We get you ready, then we get you funded.

Banks have a box, and a lot of good people don't fit in it. Investors, self-employed borrowers, and new business owners need lenders who look at the whole picture. This division brings together non-traditional real estate loans, credit repair and credit building, and small business funding from banks, CDFIs, and the SBA.

3 services:Non-Traditional LendingCredit Repair & Credit BuildingBusiness Funding
Who we serve

Built for people in these seats.

Real estate investorsBuying rentals or flips and need financing based on the property, not your W-2.
Self-employed borrowersBusiness owners and 1099 earners whose tax returns don't show what you really make.
Small business ownersStarting, growing, or bridging cash flow, and need the right capital source the first time.
Services in this division

What we do, in detail.

01 / 03

Non-Traditional Lending

Non-QM real estate loans built for people who don't fit conventional guidelines. Instead of pay stubs and tax returns, these loans look at the property's rent, your bank deposits, or your assets.

Right for you if: You're an investor, you're self-employed, or you're ready to refinance out of an owner-financed home.

Good to know: All loans are subject to credit approval, property review, and lender guidelines. Rates and terms vary by borrower and program.

What's included

  • DSCR loans: qualify on rental income divided by the payment (PITIA). Many lenders want a ratio of 1.0 to 1.25 or better and 20 to 25 percent down
  • Bank-statement loans: 12 to 24 months of statements show your income instead of tax returns
  • Hard money and fix-and-flip loans: short-term, asset-based funding for purchase and rehab
  • Refinance options for owner-financed buyers ready to pay off the note
Ask about Non-Traditional Lending →
02 / 03

Credit Repair & Credit Building

Inaccurate items on your credit reports get challenged, and the positive history lenders want to see gets built. The goal isn't just a higher score. It's becoming loan-ready and staying that way.

Right for you if: Your credit is holding you back from a home, a refinance, or business funding.

What's included

  • Full review of all three credit reports
  • Disputes of inaccurate, incomplete, or unverifiable items under the Fair Credit Reporting Act
  • A credit-building plan: utilization, payment history, and the right new accounts
  • Business credit setup: EIN, business banking, and starter vendor accounts
Ask about Credit Repair & Credit Building →
03 / 03

Business Funding

The right capital source makes all the difference: national and local banks, Community Development Financial Institutions (CDFIs), or SBA-backed loans. Matching with the right lender the first time saves you months and hard inquiries.

Right for you if: You need capital to start, grow, or stabilize your business, and you want a plan before you apply.

Good to know: As of July 2026, SBA allows up to $5 million in each of the 7(a) and 504 programs. Approval and terms are set by the lender and SBA.

What's included

  • Fundability review: entity, time in business, revenue, and personal and business credit
  • Bank and credit union term loans and lines of credit
  • CDFIs: Treasury-certified, mission-driven lenders that often serve borrowers banks pass on
  • SBA 7(a) for working capital, equipment, and acquisitions; SBA 504 for real estate and major equipment; SBA Microloans up to $50,000
  • Application packaging: business plan, projections, and document checklist
Ask about Business Funding →
Business coaching packages

Learn the business. Then run it, or teach and sell it.

Want to do this yourself? Business coaching packages are available for all of our business pillars, including every service in Lending & Capital. Every package starts by teaching you the business. From there, a complete business model can be built for you to perform yourself or to teach and sell to others.

Package 1

Learn It

Pillar coaching

Step inside the business: how it makes money, the numbers, the paperwork, the compliance, and the mistakes to avoid. Sessions are one-on-one or in a group, with live deal and file reviews.

  • How the pillar works, start to finish
  • Deal and file reviews on real examples
  • Weekly accountability and Q&A
Call for pricing
Package 2

Run It

Business model build

A ready-to-run business model for that pillar, built so you can perform the work yourself under your own company.

  • Services, pricing, and revenue plan
  • Contracts, forms, and templates
  • SOPs, workflows, and a launch checklist
  • Marketing plan and lead sources
Call for pricing
Package 3

Teach or Sell It

Teaching & resale model

Your business model, packaged into a program you can teach, coach, or sell to others as your own offer.

  • Curriculum and lesson outline
  • Teaching materials and client workbooks
  • Offer, pricing, and sales plan for your program
Call for pricing

Coaching Packages for All 12 Business Pillars

Learn It, Run It, and Teach or Sell It are available for each pillar below.

Acquisitions & Sales
  • Fix & Flip
  • Wholesaling
  • Subject-To Acquisitions
  • Pre-Foreclosure Solutions
  • Owner Financing
  • New Home Construction
Lending & Capital
  • Non-Traditional Lending
  • Credit Repair & Credit Building
  • Business Funding
Field Services
  • Property Preservation
Business Foundation
  • Entity Formation & Shelf Corps
  • Business Systems & Admin

Some pillars require your own licenses or registrations before you can offer them to the public, such as mortgage lending and credit services. We'll show you what applies in your state.

Ask about a coaching package
How it works

How we work in Lending & Capital.

1

Review

We pull the full picture: credit, income, assets, entity, and goals.

2

Prepare

Credit cleanup, document gathering, and fixing anything that would get you declined.

3

Match

We pick the program and lender that fit you: DSCR, bank-statement, hard money, bank, CDFI, or SBA.

4

Fund

Application, underwriting, and closing, with us beside you the whole way.

Know the language

Key terms

The words you'll hear in this part of the business, in plain English.

DSCR
Debt service coverage ratio: monthly rent divided by the full payment (principal, interest, taxes, insurance, and HOA).
Non-QM
Mortgages outside the federal "qualified mortgage" standard, built for borrowers who don't fit it.
Hard money
Short-term, asset-based loans from private lenders, usually for purchase and rehab.
CDFI
Community Development Financial Institution: a lender certified by the U.S. Treasury's CDFI Fund to serve underserved communities.
SBA 7(a)
The SBA's main loan program for working capital, equipment, and buying a business.
SBA 504
SBA financing for owner-occupied real estate and major equipment, made with a Certified Development Company.
Questions

Frequently asked

Do you do FHA or conventional loans?

No. We focus only on non-traditional financing: DSCR, bank-statement, hard money, and other non-QM loans.

Can I get a DSCR loan without showing my income?

Yes. A DSCR loan qualifies on the property's rental income, not your pay stubs or tax returns. Credit score and down payment still matter.

Will business funding hurt my credit?

Applications can create hard inquiries. That's why we review fundability first and apply with the lender most likely to approve you.

How long does credit repair take?

It depends on your reports. Credit bureaus generally have 30 days to investigate a dispute, and most clients work through several rounds.

Next step

Tell us where you are. We'll show you the path.

Get Matched →or email Dee@DeeGreenWealthCoach.com