Lending of America. com




Lending of America specializes in  Financial Services worldwide.



NEW!!  Up to $35,000 and 72 months available down to a 580 credit score! Perfect for swimming pools, room additions, remodel, HVAC, Powersports dealers, furnishings, dental, surgery, sunrooms, and  home improvements. He have merchant financing form A to D credit now.


Swimming pool loans and financing for bad credit.


We have the exclusive 90 days same as cash program with no credit check for your customers.(credit verification only to combat fraud)

We also have business loans, factoring, commercial loans, commercial loan modifications, hard money loans, commercial debt restructuring and Trustee verification services. We are a one stop shop for all Financial products....

    Turn Lost Sales Into  "Money in the Bank"!

                 Helping the economy  one business at a time...


90 Days Same as Cash with NO CREDIT CHECK!!

Perfect for:

Automotive Repair / Tires Sales
Auto Body
Transmission repair (higher fee)
Oil Change
Tune ups
Anything associated with a new Car
Dealer including their used car dealership
Home Improvement
Carpeting / Flooring / Tile
Kitchen & Bath
Plumbing / Heat/AC / Electrical
Home exercise equipment
Home Purchases
Bedding / Mattress purchase
Plus anything else to do with a
Any Emergency Situation
Medical Doctor
Funeral Homes
Other emergency situations
Professional Services
Lawyers (except bankruptcy)
Computer Purchase
Computer Repair
Other Approved Merchants
Sporting Goods
Water Ski supplies
Snow Board / Ski supplies
Guns & Ammo
Tattoo Parlors
Restricted industries ...
Pawn Shops
Coin Dealers
Used Car Dealers
Bail Bondsman

                   Is This Program The “Right Fit” For You And Your Business?
   Imagine if your business...


 Could advertise that they offer customers in-house financing
 Could offer “90 Days Same As Cash” with NO credit needed
 Could get paid 100% in advance within 48 hours of the sale
 Could do this with absolutely NO risk or recourse to you
 Could deal with largest check guarantee company in the world

   Imagine how your customers or patients will feel...

 Knowing they are able to spread their payments out over 90 days
 They don't have to wait to handle emergencies like dental work
 Or emergency automotive repairs
 Or even taking their pet to the veterinarian

This program addresses the needs of the 60% of Americans who
have no credit, bad credit or are simply maxed out
For the Merchants - “It’s Really Simple”

• You offer the Customer a 3 month payment plan
• You get paid in 48 Hours – NO recourse to you

• There’s no application - approval takes 3 minutes

No Credit is needed. Bad credit or no credit is acceptable

Customer requires: valid ID and a valid checking account
 The Customer writes 4 checks that are debited over 90 days
You have no liability, risk or time commitment
You get paid in as little as only 48 hours!

Collecting from the customer becomes our problem not yours and we pay you upfront.
Merchant Benefits:

• Increased Sales, Profits & Cash Flow
• No Risk after the Sale
• Offer & Advertise an In-Store Payment Plan
• Up Selling Opportunities
• More Store Traffic
• Exponential Growth
• More payment options for the Customer
• Increased Customer Loyalty

A Terminal, a Check Imager and SPS Proprietary Software is all that’s
needed to process your customer’s payments Making it possible for the customer to buy today means MORE Cash Flow & MORE Profits!


For Your Customers, Clients or Patients Benefit...

 NO Credit Needed; Their check writing history is the key to approval
No Application to fill out or waiting for approval – it takes only 3 minutes
No minimum purchase or income requirement
 This creates a payment plan to fit their budget – they can buy NOW
 You receive your customer’s loyalty & gratefulness.

No application required: the customer’s name, SS#, employer and amount
of sale is all that’s needed to get approved by calling an 800 phone #

1) The Customer writes 4 Checks to the Merchant
• The 1st check is debited from their account within 72 hours
• The 2nd check is debited from their account in 30 days
• The 3rd check is debited from their account in 60 days
• The 4th check is debited from their account in 90 days

2) The customer completes and signs a one page Security Agreement

3) The Merchant scans the Checks & Security agreement into the imager

4) You get PAID in 48 hours with NO RECOURSE should the checks bounce!!

               It’s Just That Simple!

Transaction Fee: The service has a 9.95% fee. The merchant usually adds an
additional 12 - 15% as an “Application, Convenience or Program Charge” to cover the fee.


Call today to see if you qualify to have the 90 Days Same as cash program!!




Texas and National Financial specialist located in Houston  Texas .

We have been in business since 1998 and are in good standing with the BBB and all regulatory agencies.*

                    If you want your  loan to close fast give us a call!!

Do not lose that contract or property. We have commercial mortgages for office parks, apartment buildings, new construction, office/warehouse, mixed use, mobile home parks, marinas, high rise office buildings, hotels, motels and much more. Stated income and assets for the person that writes off everything on commercial deals. Perfect for the self employed.


Are you still renting your commercial property with the lowest interest rates available in the last 30 years? Why? We have 10 % down for owner occupied buildings and we have rates in the 5% range.

                     Property types

Apartments, warehouses, mixed use, marinas, office buildings, mobile home parks, Construction loans, wrap loans, mezzanine, Funeral homes, Veterinary clinics, Mobile Home Parks, Bed and Breakfasts , Barber shops, Marinas, Multi family Apartment complexes, Warehouses, Restaurants, Mixed use, Warehouses ,  Mixed use, Restaurants,  Body shops, Office buildings, Hotels, Self Storage, Dry Cleaners, Funeral homes, Medical clinics, Doctor's offices, Auto dealerships, Strip Centers, Motels, Auto Dealerships and if you do not see it listed here, give us a call.

We are located  in Houston Texas.


( as of 07/07/2008 we are no longer doing Residential loans though)




http://texasmortgagebroker.blogspot.com  A blog on the mortgage does and don'ts of Texas home equity loans and Commercial loans.


http://www.EquityLendingOfTexas.com  For more information and rates on Texas mortgages. Texas Mortgage Broker located in Houston. Specializing in Texas Home Equity Loans and Jumbo loans. We do Commercial lending nationwide with stated income and assets.


Commercial Loan Modification Workouts
If you are having trouble getting your commercial loan refinanced or if you are having trouble getting your loan closed give us a call. We have several options such as Modification, Workout, Restructure, Stated Income (SIVA) loans, Hard Money, Bridge funding , Factoring on receivables and JV partnerships. We probably have a solution for your problem. 877-895-3634


   **We are not accepting stated income loans as of 07/07/2008 for Residential Mortgages.***







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                                                                                   1- 877- 895- 3634  (TOLL FREE)



                                                         Fax  832-476-1988