This Loan Is Good For...
  • Businesses with collateral
  • Those who aren't in a hurry to get money
  • Entrepreneurs in need of up to $12 million
If you are interested in a fast business loan with no collateral, check out CAN Capital.

Credit Masters Corporation is an alternative business loan lender located in Redwood City, California. Credit Masters operates by connecting businesses to funding that is offered by willing investors and other funding sources in order to provide funding opportunities for businesses who would not qualify for loans from banks. Credit Masters also offers services to help businesses build their credit histories in order to qualify for loans in the future.

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Although Best Company typically tries to provide more background information on the companies it reviews, Credit Masters’ website does not offer very much specific information into their history or business credentials. Likewise, they are not accredited or rated by the Better Business Bureau. Because of this missing information, potential borrowers should make sure to verify the validity of all their online transactions through their own methods.

Types of Loans Offered

Peer-to-Peer Lending – Up to $500,000

Rates Offered

$0.05 – $0.29
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The Good

Large Variety of Types of Funding

One of Credit Masters’ biggest advantages is that they offer a number of different loans and lines of credit for all types of business purposes. Some of these types of funds include:

  • Unsecured Business Finance
  • Unsecured Business Lines of Credit
  • Business Revenue Lending
  • Merchant Advance and Merchant Card Credit
  • Inventory Financing
  • Secured Small Business (SBA) Loanes
  • Equipment Financing and Leasing
  • Commercial Real Estate Financing

Whether a business is just starting, has bad credit, or already has some business collateral, there are a number of different options for each individual circumstance.

Potentially Low Rates

We mention this advantage lightly, given that Credit Masters’ website talks quite vaguely about their loan rates. According to the section on the website, interest rates may be as low as 0% for the first 6 months, and then after that initial period, they range from 5-29%. While this range is quite large and the low rates would likely depend upon the credentials of the applying business, Credit Masters’ low rates are some of the best in the industry and should be noted. If a business qualifies for these low rates, it would be a major advantage.

High Maximum Loan Amounts

Although each different type of loan has a different maximum amount, Credit Masters offers high loan amounts when compared with many of their competitors. While we have focused specifically on unsecured business loans for this review (and the limit for those loans is $150,000), there are other loans that they offer maximum amounts of up to $45,000,000. Potential borrowers needing large loan may find exactly what they are looking for with Credit Masters.

Additional Services

Credit Masters also offers credit building services for businesses who may have poor credit. Their services allow businesses to build credit while gaining small cash flows—an opportunity that most businesses do not offer. For more information, inquiring businesses will need to contact Credit Masters directly by telephone or by their contact page on their website.

Flexible Requirements

Credit Masters does not require excellent credit from every business that borrows money. They instead offer a number of different ways that businesses can qualify for loans including business and personal collateral. If an inquiring business has poor credit, Credit Masters will work with that business to find a way to help them qualify.

The Bad

Not All Franchises Qualify

The most troubling thing about Credit Masters, as far as we can tell, is their insufficient website. Although Credit Masters attempts to prove that it has an “outstanding reputation” for providing business loans, its website has the opposite effect by making the company appear outdated and unreliable. The site overall is very difficult to sort through due to extremely long paragraphs and a lack of emphasis on specific information.

Along with occasional spelling errors, Credit Masters’ website lacks basic functionality expected in current loan lenders today (e.g. loan calculator, online chat tool, etc.). They even lack an online application process, instead offering only a phone number and message service through their website (no email is even listed on the site).

In addition to its lack of functionality, there is also a substantial amount of information that is undisclosed through the website, leaving potential borrowers without the necessary information they need to make comparisons with other lenders. Here is a list of some information we would like to see on the Credit Masters’ website:

  • Details about business requirements (minimum length of time in business, minimum annual revenue)
  • More specific information about how long it takes to get funding (website currently says it can take from 30days to 12 months
  • Details about how long loan terms are
  • Information about the application and approval process
  • Details about where where the loans are offered, how they are distributed and repaid
  • Information about potential fees (Pre-payment penalties, origination and closing fees, late fees, etc.)
Higher Minimum Credit

When compared to some alternative lenders, Credit Masters does require a slightly higher minimum credit score. For their unsecured business loan, they require a score of at least 680. This score, while slightly higher than other loan lenders, is still not impossibly high and would allow many companies to borrow. However, companies needing unsecured business loans without that high of credit scores will need to look elsewhere.

No Better Business Bureau Rating or Accreditation

Credit Masters does not have a rating or accreditation from the Better Business Bureau. Likewise, there is no information about how long they’ve been in business, or their success stories on their website. Potential borrowers should do their own research to assure that this business’s loans are valid.

The Bottom Line

Unfortunately, the lack of information on the Credit Masters’ website makes it incredibly difficult for us to give an accurate summary of their loan offerings. While there are definitely good claims that they make throughout their site, these claims are practically invalidated because of the lack of professionalism on the site. If users have the ability to borrow money through other, more verified, options, they should choose to borrow from lenders elsewhere.

*Star Rating is determined by evaluating APR range, minimum credit score requirement, revenue requirement, length in business requirement, and other related approval data.

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