No Credit Check Consumer Finance

No Credit Check Consumer Finance gives you the ability to offer an income based no credit check payment plan’s to your customers. Your customer can get the product or service they need today and pay for it over a 45, 90, 135 or 180 day period. Even better, your customer does not need their checkbook and may even qualify for our upfront funding program.

Our program can also be used to create and Manage Layaway programs and automatically collect the payments from the Layaway customer.

Our program has become the single most exciting and fastest growing service that we have had the pleasure to roll out! Never before has a check-based financing program offered you the opportunity to be paid upfront!

Plus, as always, we provide a full guarantee!

We are thoroughly convinced that
No Credit Check Consumer Finance Programwill generate more sales for you.

  • Weekly,Bi Weekly or Monthly Payment options
  • Bad Credit OK – FICO score is not a consideration
  • Approvals based on previous year’s banking history
  • No expensive equipment leasing
  • $500 up to $10,000 Limit
  • Unsecured Loan – Guaranteed Funds to You
  • Instant Approvals
  • 45, 90, 135 or 180 Day Payment Options
  • YOU ARE PAID 100% UPFRONT For Qualified Sales in ONLY 5 Banking Days
  • You Can Pass the Fees to the Customer or Offer 6 Month free  Financing

Gulfco Leasing, LLC – A one-stop solution for business financing for over 15 Years

Gulfco Leasing, LLC has been a one-stop solution for business’ financial needs for over 15 years. With the economic downturn we are facing, Gulfco Leasing continues to find creative solutions to get your business the financing you desire. We have our own in-house funds and also network with other funders to get you the best solution and in the timeliest fashion.

Our approach is to actually unde
rstand your business and not just force you into one product. Gulfco Leasing has a variety of solutions which sets us apart from the competition. We will analyze your business needs and walk you through the entire process. We are not sales people but your business partner, wanting to see you grow and succeed. Most of our clients come back to us through the years for different solutions.

Some of the products we offer are:

· Commercial Financing

· Consumer Financing

· Equipment Leasing & Sale Leasebacks

· Hard Money Loans

· Merchant Processing & Check Guarantee Services

· Unsecured Business Loans

Whether you are a small, medium or large business, call Gulfco Leasing today and start your financial partnership to success.

Loans and Lines of Credit based on Medicare Billing

Gulfco Leasing, LLC provides short term funds that your practice needs in order to grow revenues and monetize your future receivables.  We take a venture capital approach to helping your practice grow.

If your practice accepts electronic payments such as insurance or HMO payments, ACH payments, Medicare, GE Care Credit, EFT’s, recurring wires, or credit cards, you can qualify for our program.

Gulfco Leasing’s Consumer Finance Available Now and Other Sites Coming Soon

Dental Patient Finance’s consumer finance program offers your dental office a unique method to help your practice grow.  With our range of financing options your practice has the ability to greatly expand your customer base.

Auto Store Finance A Division of Gulfco Leasing and Funding Consumer Finance Programs to Help Your Business Grow

Finance Sites coming soon







Consumer Financing for Customers to Purchase products from 1,000 to 30,000.00

Gulfco Leasing Provides Business Owners Access to a Diversified Portfolio of Funding

Consumer Financing for Customers to Purchase products from 1,000 to 30,000.00

Home Improvement companies (roofers, windows, siding, Kitchen/Bath Contracting)
Dentists (We are a great alternative to CareCredit)
Plastic Surgeons (Again, great alternative to CareCredit)
Auto Repair
Veterinary Hospitals
Furniture Stores or other retailers
Jewelry Stores

Program highlights:
Loan amounts from $1,000 to $30,000
12 to 72 month terms
No liability or charge backs to the Merchant
Approval in minutes in most cases
Prime, Near-Prime and Sup-Prime approvals
We lend Nationwide
Owner Occupied and Non-owner Occupied properties for home improvement repair.

Unsecured lines of credit are available up to $500,000 for the applicant.

BANK LOANS FOR EQUIPMENT OR RECAPITALIZATION OF EQUIPMENT- DO YOUR WANT TO BUY NEW EQUIPMENT? or DO YOU HAVE ASSETS THAT YOU WANT TO UTILIZE FOR CASH? If equipment is paid off we can loan about 50% of the value. If its property we can lend up to about 65% of its value.


CONTRACT FINANCING – We can provide Contract Financing and revolving working Capital Lines – Minimum loan amount is $500,000, Maximum Loan amount is $5 million per line

HARD MONEY LOAN REQUEST- Bridge Capital Funding, Working Capital and Commercial Real Estate Funding Sources Evaluation Services, Business Acquisition Funding.

C and D Credit and recent Bankruptcy plan
In these tough economic times many businesses have suffered financially.

Additionally, the owners of these companies have seriously damaged their personal credit. We have developed a “second chance” program to help these companies. We can structure your financial needs to help you rebuild your company.


Asset Based Lending, Equipment Financing, Working Capital, Project Finance, Large Scale Debt and Equity Syndication, Contract Monetization, Construction Financing, Medical Procedures financing, Customer Financing for Retailers

Gulfco Leasing and Funding – Bank Loans for the Restaurant and Hospitality Industry

Gulfco Leasing and Funding – Bank Loans

for the Restaurant and Hospitality Industry

Phone 708-446-4416 – Fax 708-361-2958 –

Download 1 Page  Application and  Funding Information.

Gulfco Leasing is pleased to announce its Partnership with a California Bank for Loans up to $500,000 per location for Retail establishments.  Funding is for up to 18 Months and is Tax Deductible.

Benefits of This  Plan  –  Download Application.

1.     We can loan from $15,000 up to $500,000 per location.

2.     We Can typically offer longer terms 12, 14, 16, and 18 months

3.     The funding offers per location are typically 150% of an MCA companys offer.

4.     Interest is tax deductible – loan  comes from  a licensed lender, and the interest on the loans is tax deductible,   resulting in lower effective financing costs to the merchant.

5.     Weekly ACH repayment – we dont interrupt,interfere or delay the merchants credit card processing in any way no credit card processor switch required and no lockboxes.

6.     No financials needed unless funding request is above $200,000

7.      Pre-qualified offers within 24 hours of complete submission.

What You Need to Qualify for  This  Plan

• Must be Brick and mortar retail or restaurant, bar, nightclub, liquor store, caterer, bakery, coffee shop, smoothie shop, ice cream shop, hotel or motel.
• 3 months in business, with at least $30,000 in monthly sales.

• At TIB = 1 year the minimum monthly sales required drops to $20,000.

• Minimum credit score of 550 – but the higher the credit score the better the rate to the merchant.

• No open BKs, BK must be dismissed/discharged for at least 1 year.

• Tax liens must be less than 20% of average monthly sales or have a payment plan with at least 3 payments made

• Must be current on mortgage and business rent (may be up to one month late if high credit
• Existing advances do not disqualify the merchant, but the advance must be paid off out of loan proceeds (except with an advance from Rewards Network).

Attached is a Detailed list of the requirements and Submission for Prequalification funding simply requires

1.    6 months of Bank Statements
2.    4 Months of Credit Card Statements if the Customer Takes Credit Cards

Chicago, Illinois 60606 – Naples, Florida 34109
New Orleans, Louisiana 70130
 Orland Park, Illinois 60462
Main Office 708-446-4416
 Fax  708-361-2958


If equipment is paid off we can loan about 50% of the value. If its property we can lend up to about 65% of its value.
Download additional Program Information.

Equipment Lending Information Requirements.

Equipment Purchases (Trucks, Machinery etc)

$20,000 – $100,000

1. Credit Auth Form

2. Last 6 months business bank statements (personal if a start up).

3. Copy of quote for the equipment or Make, Model, year of item

4. Personal Financial Statement


1. Credit Auth Form

2. Personal Financial Statement for each owner

3. Previous two years Tax Returns (business)

4. Previous two years Tax Returns (personal for each owner)

5. Previous Two years Financial Statements

6. Copy of quote for the equipment or Make, Model, year of item

Contract Monetization.

Information Required:(after check list completed)

1. Contract Monetization Worksheet

2. Copy of the contract(s)

3. Delineation / use of funds. The more detail the better.

4. Personal Financial Statement

Asset Base Lending (for working capital)

Information Required:

1. Personal Financial Statement (see standard form)

2. Delineation / use of funds. The more detail the better.

3. List of equipment owned outright.

4. Credit Auth Form

Securities as Collateral Loan.

1. Information required: most recent portfolio statement (name and account number can be removed)

FAQ on the Loan Program

1. Is it a bank loan or Lease?

They are bank loans not leases. If equipment is paid off we can loan about 50% of the value. If its property we can lend up to

about 65% of its value.

2. How long are the terms?

The terms are from 12 months up to 7 years.

3. What are the credit Requirements of the Customer?

The lenders are looking for 600 fico scores but depending on what is the loan to value on the collateral they will take lower

scores. They will look for compositing factors.

4. What are the interest Rates?

The rates are for 8% to 19%

Download additional Program Information.

Phone -708-446-4416 Fax – 708-361-2958

Chicago, Illinois 60606 – Naples, Florida 34109 –
New Orleans, Louisiana 70130
Orland Park, Illinois 60462
Main Office 708-446-4416
Fax 708-361-2958