As a member you get access to our 12 month 0% interest business loans

No credit check or personal guarantee required and the 0% interest is fixed (it will NOT increase)...We told you we're not like the rest of the banks.

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"As former business owners, we experienced how difficult it was to get a business loan and how easy it was to carry a high-interest credit card balance.  We decided to change that by starting a 0% interest loan pool shared by all our members."
 
- PROFIT Founders

HOW IT WORKS

01

AFTER YOU SPEND YOUR FIRST $25K TOTAL ON YOUR CARDS WE START YOU WITH A $1,000 LOAN LIMIT

All our loans are 0% fixed interest so you don't have to worry about your interest rate ever increasing. 

02

EACH MONTH WE INCREASE YOUR LOAN LIMIT BASED ON YOUR ACTIVITY

The more you use PROFIT the higher we increase your loan limit amount.  

03

SELECT THE AMOUNT YOU WANT TO BORROW & AGREE TO REPAY IT BACK IN 12 EQUAL PAYMENTS

You can borrow as much or as little as you need.  We autodebit the repayments from whichever account you choose. 

04

FUNDS ARE DEPOSITED TO YOUR ACCOUNT THE NEXT BUSINESS DAY

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open business checking account online loan amount
open business checking account online loan payment schedule
open business checking account online next day funding

Improve your cash flow with a 0% interest cash injection.  

FAQ

Is there a late fee on the 0% fixed interest loan?
Because our clients share a pool of loan funds we need members to repay their 0% fixed interest loans back according to the payment schedule they agreed to.  This allows us to lend those funds out to others members that need it.  So to help us prevent loans from being outstanding forever we charge a $25 monthly late fee.

Can I take out more than one loan at a time?

No, you could only have one outstanding loan at a time.

Does my loan limit keep increasing even though I'm in the middle of repaying a loan?
Yes, we keep increasing your limit even though you have an outstanding loan.  Once you repay it back your original amount will be made available plus whatever new loan limit we've given you during the time. 

Are my repayments reported to the credit bureaus?
Yes, this helps your business increase it's credit rating.