If you want a business loan for your existing business, the information is right here. Please read it till the end. If you have more questions I'm just an email away.
Why choose KV Management?
KV Management was founded to serve Main Street businesses that are unable to qualify for traditional loans or need fast access to capital. By focusing primarily on business performance, rather than just the personal credit score of the business owner, we can offer healthybusinesses quick access to affordable loans so they can meet their daily operating needs and achieve long-term goals.

How much capital can you lend me?
We offer loans from $5,000 up to $500,000 based on the monthly cash flow of the business.


What makes a company eligible?
A Main Street business is a good candidate if it has a separate business bank account, has been open for business for over one year, and processes at least $10,000 in credit card transactions per month.


What information do you need from me to apply?
Depending on how you receive payments from your customers, you may need some or all of the following:

* Tax ID number
* Credit card statements for the previous 6 months
* Merchant processor name, ID, and phone number
* Bank statements for the previous 3 to 6 months
* Social Security number of business owner(s)
* Drivers license number and state of issue



How soon will I know if I'm approved?
Within 2 business days of receiving your completed application, we will let you know if you've been approved.


When will I receive the funds?
Loans are funded within 5 business days of receiving all completed loan documents.


How do I repay the loan?
Daily Direct DebitSM payments are made from your business bank account to our funding source. These small regular payments are proven to prevent the snowball effect often caused by missing larger monthly payments. We will inform you of your exact payment amount,and our online loan management portal allows you to monitor the activity.


What is the typical term of your loans?
6 or 12 months.


Do I have to switch my credit card processor?
No. We simply review your credit card information to determine the performance of your business.


What if I need additional money - Can I apply for a second loan?
Yes. Once you have successfully repaid 75% of your loan, you are eligible to apply for additional capital to continue building your business.


Can I prepay my KV Management loan early?
Yes, you can prepay your loan at any time. However, given the short term of our loans, if you choose to prepay, you will still be required to pay all principal and all interest as if you kept the loan until maturity. If you choose to prepay a portion of your loan, the prepayment will be applied to principal and interest just as your daily payment is applied.


Why are KV Management loans more expensive than bank loans?
There is a reason traditional banks will only lend to small businesses with high credit scores – small businesses can be pretty risky. We know that every small business owner works hard to protect and grow their business, but many close their doors each year. KV Management wants to give small businesses a chance – because sometimes all they need is a bit of working capital to occasionally boost their cash flow and succeed. With this mission to help small businesses comes risk, and we price accordingly. KV Management loans are still typically up to 80% less than cash advances and the next best alternative to a traditional bank loan

Hope this information was helpful to make a decision.
Regards
--
Isuru De Silva (818-921-0714 - Leave a msg if the phone goes to voice mail and I will return your call ASAP)
Funding Specialist
K.V. Management, LLC
772 Saint Nicholas Ave. Suite 38
New York, NY 10031

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