The Belmont Franklin Group provides fast small business loans with funding in as little as 24-48 hours, focusing on cash flow and business bank activity rather than personal credit scores.
Editorially reviewed by Harvey Brooks
The Belmont Franklin Group is a small business lender based in Houston, Texas (801 Travis St., Suite 2101) that specializes in streamlined business financing for entrepreneurs and established companies. The company positions itself as an alternative to traditional bank lending, emphasizing speed and accessibility over conventional credit requirements. They claim a 95% approval rate and market themselves as the fastest funding option in their space with the tagline 'NOBODY FUNDS FASTER THAN US!'
The company offers small business loans with flexible terms ranging from 3-24 months, direct bank account deposits, and automatic ACH repayment options. Their primary underwriting criteria focus on business cash flow (minimum $5,000 monthly deposits), company bank account balances, and deposit frequency rather than personal credit history. Loan amounts are determined by these business metrics, with higher approval amounts available to businesses demonstrating stronger cash flow and account activity (ideally 7+ deposits per month). Applications are submitted online with three months of business bank statements and decisions are promised within 24 hours.
The Belmont Franklin Group distinguishes itself through several claimed unique features: the ability to refinance loans every 60 days, a 10% discount payoff option available at any point during the loan term, and financing of all lender fees so borrowers receive the full net loan amount. They emphasize relationship-based lending rather than transactional lending, positioning themselves as willing to work with businesses that may have been denied by traditional lenders. The company highlights its focus on "the health of your business—not your personal credit score" and claims to look for reasons to approve rather than deny applications.
However, prospective borrowers should note several limitations: the company provides minimal information about actual interest rates, APRs, or fee structures on their public website. The daily or weekly ACH repayment schedule could strain cash flow for some businesses. No third-party reviews, regulatory filings, or Better Business Bureau information are accessible from the provided website content, making independent verification of claims like the 95% approval rate impossible. The marketing language emphasizes speed and approval rates but lacks transparency about true borrowing costs.
Yes. THE BELMONT FRANKLIN GROUP is a registered company headquartered in 801 Travis St Ste 2101, Houston, TX 77002. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
The Belmont Franklin Group is best for established small businesses with consistent cash flow and regular bank deposits seeking fast funding without personal credit scrutiny. The main caveat is that the company provides zero transparency on actual interest rates, APRs, or fee structures, making it impossible to compare true borrowing costs against other options—prospective borrowers must contact directly for pricing information.
Advance Personal Loans is a loan marketplace that connects borrowers with third-party lenders offering personal loans. The platform does not lend directly but matches applicants with multiple lenders for fast decisions.
Best for: Borrowers seeking to shop multiple personal loan offers simultaneously through a single application, Consumers with fair or variable credit who need flexibility in lender options
Bayou City FCU is a not-for-profit credit union serving Memorial Hermann Healthcare employees and their families, plus nearby residents, with competitive loan rates and payroll-deduction savings.
Best for: Memorial Hermann Healthcare System employees seeking competitive auto and personal loans, Houston-area residents within the defined service boundary looking for credit union benefits
Community Business Finance is a Certified Development Company (CDC) specializing in SBA 504 loans for small business real estate and equipment financing in Texas and Louisiana.
Best for: Small business owners in Texas or Louisiana seeking to purchase or refinance owner-occupied commercial real estate, Companies needing to acquire heavy equipment while preserving working capital for operations
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to THE BELMONT FRANKLIN GROUP and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.