Credit counseling for companies

There are several options depending on the size, age and financial capacity of the business.

The most common include:

• Revolving lines of credit (business lines of credit): ideal for covering operational needs or unforeseen circumstances.
• Fixed-term loans: for one-off investments such as machinery, vehicles, or expansions.
• SBA Microloans: with partial government support and affordable conditions.
• Factoring or accounts receivable financing: advance payment on pending sales.
• Financial leasing: particularly useful for equipment or vehicle fleets.

At JJRB, we evaluate your profile to determine what type of business loan best suits your circumstances and objectives.

Yes, although access will depend on several factors such as:

• The incorporation status of your company (e.g., LLC or C-Corp).
• The available financial history.
• Realistic revenue projections.
• If you have a valid ITIN or EIN in the US.

At JJRB we offer Credit Counseling specialized for new and foreign companies, helping you build a credible profile with financial institutions.

We are not a lender and do not provide direct financing.

However, we act as advisors and representatives of your company, managing the process with multiple financial institutions, including traditional banks, fintechs, alternative credit platforms, and certified program advisors. SBA.

Our goal is for you to access the best conditions on the market without wasting time or making mistakes in the process.

It depends on the type of credit requested and the status of your financial documentation.

In general:

• Microloans: between 5 and 10 business days.
• SBA loans: between 2 and 4 weeks, due to additional requirements.
• Credit lines or term loans: between 1 and 3 weeks.

At JJRB, we make sure everything is ready from the start, which significantly reduces approval times.

Although it may vary, the following is generally required:

• Recent financial statements (balance sheet, cash flow statement, income statement).
• Tax returns for the last year or two years.
• Legal identification of the company (EIN, articles of incorporation, operating agreement).
• Business plan or credit usage plan.
• Financial projections.

Our team supports you in the preparation and review of each document as part of our service Credit Counseling.

In most cases, yes.

However, there are loans with specific purposes, such as SBA loans, which must be used for expansion, equipment acquisition, inventory, working capital, or improvements.

Others, such as revolving lines, offer greater flexibility. It is essential to be clear about the use of credit, since that influences approval and conditions.

It is not an impediment, but the level of indebtedness and ability to pay are analyzed before applying for new loans.

There is also the possibility of reorganize, consolidate, or refinance debts, and for that we offer personalized advice.

Our approach to Credit Counseling allows you to identify viable strategies for maintaining your liquidity without compromising your solvency.

If you have stable cash flow, recurring income, and a clear need for financing, then probably yes.

At JJRB We help you perform a free diagnosis where we evaluate:

Your accounting structure.

Your credit profile (if you already have one).

Your current financial statements.

Your projections and growth targets.

Based on this, we will tell you if it is the right time or if you need to work on your preparation first.