680+ Equifax Only Funding



  • No income documentation required

  • No employment verification

  • 100% Unsecured

  • No Assets or Home Required – Renters OK

  • Approvals within 24 hours

  • NO Application Fees! NO Upfront Fees!

  • We have “Equifax Only” funding Option

  • 2-3 Day Express Funding using Equifax Only

  • No business plan necessary


  • 680+ Credit Scores

  • Revolving balances below 60% of credit limit

  • At least 4 “open” & “seasoned” primary tradelines

  • No more than 6 inquiries per bureau last 90 days

  • No prior BK, foreclosure, repossession, judgment



    700+ Score Funding Program



  • No income documentation required

  • No employment verification

  • 100% Unsecured

  • No Assets or Home Required – Renters OK

  • Approvals within 48 hours

  • NO Application Fees! NO Upfront Fees!

  • We have “Equifax Only” funding Option

  • 2-3 Day Express Funding using Equifax Only

  • No business plan necessary


  • 700+ Credit Scores

  • Revolving balances below 60% of credit limit

  • At least 4 “open” & “seasoned” primary tradelines

  • No more than 6 inquiries per bureau last 90 days

  • No prior BK, foreclosure, repossession, judgment





    Why Us?

    Are you in need of fast funding but are tired of dealing with a traditional bank? Look no further, The Money Kingdom can provide fast funding for all your financing needs. When the housing market crashed in 2008, banks pulled back on lending. The result was that even the most qualified borrowers were being turned down for loans. Market impact was immediately felt in the housing market and then trickled down to all lending options. Over the past several years banks have made lending even more difficult than is was in the past. From home loans and car loans to credit cards, lending is still tight and it feels like banks look for an excuse to deny a loan, rather than seeking to approve a loan. Banks only want to lend you money if you don’t need the money. No doc loans have gone the way of the dinosaur, and customers are left providing mountains of documentation to get a simple loan. Collateral is king, and banks are looking for high equity positions that can secure the loan. Borrowing money from a bank is an arduous process and once you discover how simple our Funding Program is, you may never get another bank loan again.

    The Money Kingdom offers clients a smarter alternative to bank borrowing. Our process is simple and fast. The one page pre-qualification application takes only a minute to complete. Our in house processing will provide a pre-qualification quote within two hours of the application and a line of credit can be available in as little as 48 hours with no documentation needed.

    No collecting pay stubs, bank statements, and utility bills for housing verification. No phone calls to your employer for employment verification. No searching for collateral in your home, car, or other investments. The Money Kingdom offers a true no doc loan that involves a simple application, a simple approval process, and fast funding.

    If you are ready to start the process of obtaining alternative lending for the modern world, you have come to the right place!


    Through the search for alternative funding to meet our capital investment needs, we discovered a better way to finance projects without using traditional bank lending. This opened the door for starting The Money Kingdom. As we met with other investors and other consumers, we realized there was a huge need for alternative lending in the marketplace.

    Through extensive research, personal experience and strategic partnerships we have been able to establish relationship with many major lending institutions. They partner with The Money Kingdom to provide financing for our clients.

    The Money Kingdom provides a smarter alternative to client borrowing needs. Today’s lending environment is very tight. Even the most qualified borrowers are being turned away and extensions of additional credit are requiring mountains of documentation. For clients with a strong credit history, this process is very frustrating and feels unnecessary. Working with The Money Kingdom takes the work out of obtaining additional capital.

    Even with the tight lending environment The Money Kingdom has partnered with institutions that recognize the need for capital among consumers. They understand that businesses cannot grow and consumers cannot inject spending, through capital projects, without lending that enables the process to move forward. Our financial partners also recognize our stringent qualification process. This allows us to provide funding for all clients that meet our lending guidelines.

    Our straightforward approach to lending rewards consumers with stellar credit history with access to the capital they need. Whether they are looking to grow their small business, add home improvements, or purchase distressed real estate, we can provide the funding necessary to make those goals a reality.

    We are proud of our history and work hard to satisfy our clients. The Money Kingdom focuses on meeting our customer’s needs and providing the best customer service in the industry. We work with clients personally and go the extra mile when needed to provide them with the funding solutions they are seeking.



    Too often lending requirements, parameters, and underwriting is a mystery to consumers. At The Money Kingdom we believe that the better consumers understand the process, the more approvals we will be able to offer. This philosophy of educating customers provides a much stronger lending platform, where our customers can help themselves better qualify for funding.

    The Money Kingdom does not require income verification, asset verification, or employment verification. As a result we require a strong credit profile to establish a client’s ability to pay. This enables us to provide funding without the lengthy paperwork process required by traditional banks.

    When guidelines for lending are met we have a funding rate of 99.9%. Factors that are most critical in obtaining funding through The Money Kingdom include the following:

    1) Credit Score – Minimum of 680+ EQUIFAX SCORE. The credit score gives The Money Kingdom an overview of the credit a client has along with your ability to manage that credit wisely. The overall score is calculated by a number of factors which include primarily:

        ● a. On time payments.

        ● b. Credit Utilization ratio

        ● c. Number of inquiries

        ● d. Length that the credit file has been established

        ● e. Number of active trade lines, both fixed and revolving

    2) Credit Utilization rate needs to be under 60%. –Credit utilization is the percentage comparing the available line limit to the actual balance on the account. The Money Kingdom looks at each individual account. The calculation is easy. Divide the available credit by the balance and you will receive the utilization ratio for that particular account. If you have a credit limit of $10,000 and a balance of $1000 you have a utilization ratio of 10%. This ratio is factored for all revolving lines of credit. This will include credit cards, equity lines of credit, and any other account where you can use the line, pay it back and re-use the line without re-qualifying. To meet this qualification, each account must independently meet the 60% threshold.

    3) Have no more than 4 inquiries per credit bureau in the last 90 days. – Credit inquiries occur for two different reasons. The first is a soft hit. These are inquiries that you do not control. Companies looking to issue you additional credit, insurance or even employment can create a soft pull. A hard pull occurs when you apply for credit, or when you sign a form authorizing a company to pull your credit file. The 4 inquires include hard hits only.

    4) Have a minimum of 4 open and active primary trade lines. – Only open accounts are considered on your credit report.

    5) Prior bankruptcy, judgments, repossession, foreclosures, or collections will require a manual review to be considered for approval. Accounts that contain any of these items may also require documentation, as the underwriter deems necessary.

    6) Late payments will be considered on a case by case basis depending on how far out the late payments were and how often they occurred. Late payments will limit the loan amount that can be approved and may potentially require additional documentation before approval can be granted.

    7) The current address of the borrower must match the address on the credit report. This is an important factor for security reasons. A difference in the address could create a requirement of full documentation.

    8) Full personal verification is required for all applications. This also means all fraud and security alerts on your credit files must be removed in order to process the application.



    680+ CREDIT SCORE FUNDING PROGRAM $20,000-$200,000

    Qualifications Personal Funding:

    Through our Funding programs you can receive up to $200,000 in less than 5 business days. Simply review the qualifications below and then complete our simple 1 page application. Preliminary Approval for funding in as little as 2 hours, with final approval within 2 business days.

    When your application is submitted our software will route the application to the most beneficial program based on your application request. This will provide you with the fastest funding for the highest dollar amount possible to meet your needs.

    Loans are 100% unsecured and 99% of loans do not require any documentation.

      ● No income verification

      ● No employment verification

      ● No collateral

      ● No application fees

    We offer a standard funding program and an express funding program.

    Our funding program provides the highest dollar amount available and is generally funded in less than a week. It receives a higher level of attention, allowing us to maximize the dollar amount we are able to approve.

    Credit scores are established by three different credit bureaus Equifax, Transunion, and Experian. Each credit bureau has independent scoring and the scores will fluctuates lightly between bureaus. While the credit score algorithm is proprietary, there are a number of things we know about the score calculations. A few of the most important factors that produce a credit score include paying all bills on time, the length of time credit cards and loans have been extended to the customer, the number of credit inquiries, and the balance between fixed loan payments (like mortgages and car loans) and revolving lines of credit (like credit cards). We also know that 30% of the credit score is dependent upon the utilization ratio. This is the amount of credit a customer has available versus the amount of credit used. For example if a credit line is $10,000 dollars and the balance on the card is $1000 there is a 10% utilization ratio for that credit card.

    Taking these elements into consideration, our own algorithms have shown these factors have a big impact on lower default rates, and increasing credit scores. For this reason, we consider many of the same factors as the credit bureaus when qualifying for funding with The Money Kingdom.

    Qualifications for funding include the following:

      ● Minimum of 680+ Credit Score

      ● Equifax Only Express Funding option available with 2-3 day turnaround

      ● Utilization ratio below 60% for revolving lines of credit

      ● Minimum of 4 primary trade lines opened and seasoned

      ● Maximum of 4 credit inquiries per bureau in the last 90 days (hard hits only)

      ● Bankruptcies, foreclosures, repossessions and judgments must be at least 5 years old

    When the above matrix is met, we can approve funding 99.9% of the time.

    Apply now and get funded with a simple one page application and the confidence that you will be approved. There are no mysterious qualifications required, or additional paperwork needed. Complete the online application and get funding in less than a week!


    Client FAQ’s

    Q1:  Will we need to pay any upfront charges with your personal funding services?

    A:  No upfront fees or application fees are charged on any of our services?

    Q2: How many trade lines/credit accounts will I need to have reporting on my credit in order to qualify for funding?

    A: You will need at least 3 open and active Primary trade lines on your credit report.  Trade lines should be at least 1 year old however 2 years are preferred.

    Q3: Can a co-signer be used when applying for a personal loan?

    A: No, a co-signer may NOT be used.  Whoever is on the loan application must meet all qualifications for funding.

    Q4: What is the minimum credit score required to obtain a personal funding?

    A: Your credit score must be a minimum of 680+.  In addition your credit profile must also meet other basic qualifications.

    Q5: Can I still qualify for a loan with a Bankruptcy on my credit report?

    A:  Yes, BK must be at least 5 years old.

    Q6: A pre-qualification evaluation will take approximately how long?

    A: Pre-qualification’s typically take 24-48 hours, not including weekends and holidays.

    Q7: How long does it take to complete the personal funding process?

    A: Depending on the amount of requested funds, it takes about 2-5 days for us to complete our submissions.  It then takes approximately 2-10 business days for the funding to arrive after the date of approval.

    Q8: Will Income documentation be needed for personal funding?

    A: Income documentation is not needed on 99% of loans.

    Q9: Is there an ALL cash funding option?

    A: No, our personal funding comes in the form of major bank issued personal lines of credit and cards- such as: Visa, MasterCard, American Express and Discover. Once funded we can provide some tips and guidelines for the liquidation process, to convert credit to cash. Must be approved for at least one cash-line to liquidate.

    Q10: When will I be required to pay the fees for you providing the personal funding services?

    A: Payment is due within 24 hours upon receiving each funded line. We will provide you with written instructions regarding payment of each credit line.

    Q11: What forms of payment will you accept for payment?

    A: We collect our backend fee via several methods of payment:  PayPal, Credit Card Charge Authorization Form, Online Balance Transfer, and Direct Deposit.

    Q12: Can you do personal funding using only my Equifax credit file and not Experian or Transunion?

    A: We can do personal funding using only Equifax credit or only Experian.  We do not provide funding with Transunion only.

    Q13: What is the max amount of funding I can obtain?

    A: Based on the strength of the personal credit file we can fund up to a maximum of $200,000.00

    Q14: Will you be removing credit inquiries from my report following funding?

    A: No, we do not provide removal of credit inquiries.

    Q15: What is the minimum amount of funding available through your personal funding services?

    A: The minimum amount of funding we will submit for is $20,000.  However approvals can come back lower than that amount.

    Q16: Do you provide credit repair services?

    A:  We do not provide credit repair services, however, we do provide referrals for credit repair services.


     Please Complete Our Pre-Qualification Application Below

    We will notify you via email and or phone within 24 hours or no later than close of business the next business day regarding our evaluation of your credit file and prequalification application.

    Credit Monitoring Login Info Required: If you do not currently have a credit monitoring service you must sign up with in order to submit for pre-qualification evaluation.




  • Questions About Our Services/Funding?

    Call: 904-800-7971