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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.
Data compiled from public sources
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 comparable public verification context of claims like the 95% approval rate impossible. The marketing language emphasizes speed and approval rates but lacks transparency about true borrowing costs.
This is state-level context for Business Loans consumers in Houston, TX. It does not confirm that THE BELMONT FRANKLIN GROUP or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate for oral or implied contracts (Tex. Bus. & Com. Code § 307.003)
Personal loans are regulated under Texas Finance Code; rate caps apply to consumer loans not otherwise exempted
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
THE BELMONT FRANKLIN GROUP offers 10 services including Small business loans with 3-24 month terms, Online merchant application and approval process, Fast underwriting based on business cash flow and bank activity, Direct bank account funding transfers, Automatic ACH withdrawal repayment options, and 5 more.
THE BELMONT FRANKLIN GROUP has profile signals associated with Established small businesses with consistent monthly revenue of at least $5,000 and regular bank deposits, Business owners with poor personal credit who have strong business cash flow and bank activity, Companies needing quick working capital without lengthy traditional bank approval processes, Entrepreneurs seeking short-term financing flexibility with refinancing options.
Key strengths: Fast funding with approval in as little as 24 hours and deposits within 1 business day; Business-focused underwriting using cash flow and bank activity rather than personal credit scores; Flexible loan terms ranging from 3 to 24 months with customizable funding amounts. Areas to consider: No APR, interest rate, or fee information disclosed on website, making true cost of borrowing unclear; Daily or weekly ACH repayment schedule may create cash flow strain for businesses with irregular revenue.
In the Business Loans category, comparable providers include Community Business Finance, Community CDC, Corporate Finance Associates. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
The Belmont Franklin Group is profile signals 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.
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.
Profile signals: 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
Community Business Finance is a Texas and Louisiana CDC offering SBA 504 loans for commercial real estate, construction, equipment, and business acquisition.
Profile signals: Texas or Louisiana small business owners purchasing or constructing commercial real estate, Business owners seeking to acquire heavy manufacturing or industrial equipment
Independent investment banking firm specializing in M&A advisory, capital raising, and business valuations for middle-market companies across 100+ industries since 1956.
Profile signals: Mid-market business owners planning an exit through sale, merger, or recapitalization, Established companies seeking acquisition targets or consolidation strategies with advisory experience context
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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 are required to 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 lower-cost 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.
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.
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.
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 one route 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.
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.
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