B
Black Onyx Lending
Contact
BBB:
Your Business Pros Inc in Atlanta, GA
Business Pros Inc offers creative business financing solutions including merchant cash advances, working capital loans, and specialty financing for established and startup businesses.
Data compiled from public sources · Rating from CreditDoc methodology
Your Business Pros Inc Review
Business Pros Inc is a business financing company that positions itself as a comprehensive financial partner for entrepreneurs at various business stages. The company emphasizes personalized, non-cookie-cutter financing solutions and claims to have trained personnel experienced in structuring business finances.
The company offers a diverse range of financing products across multiple categories: traditional working capital loans (up to $2 million with 24-month terms, fundable in 48 hours with no collateral required), merchant cash advances, asset-based financing, invoice factoring, equipment financing, and purchase order financing. They also provide specialty financing including commercial real estate, e-commerce, franchise, SBA loans, startup financing, and real estate-related products like construction and church financing. Services extend beyond lending to include business credit analysis, mentorship programs, and help with business structure determination.
The company differentiates itself through emphasis on personal consultation, flexible repayment options (daily, weekly, or monthly), rapid funding timelines, and willingness to work with businesses at early or growth stages. They market themselves as understanding that capital access is critical for turning business visions into reality and position their personnel as experienced in custom solution design.
However, the website lacks specific details about lending criteria, actual APR/cost information, typical approval times, or customer reviews. The broad service offerings lack detailed explanation of terms, rates, or real qualification requirements. No information is provided about company history, licensing, regulatory compliance, or verification of claims about personnel qualifications.
Services & Features
Asset-based financing
Business credit analysis
Business mentorship programs
Business structure consulting
Commercial real estate financing
Equipment financing
Invoice factoring
Merchant cash advances
Purchase order financing
SBA loans
Startup financing
Working capital loans (up to $2 million, 24-month terms)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Working capital loans available up to $2 million with 24-month terms
- No collateral or personal guarantee required for working capital financing
- Fast funding advertised at 48 hours from application for working capital products
- Flexible repayment options (daily, weekly, or monthly automatic withdrawals)
- Comprehensive range of specialty financing products beyond basic loans
- Offers business mentorship and credit analysis services in addition to financing
- Free initial consultation offered for prospective clients
Cons
- Website provides no specific information about interest rates, APR, or actual cost of borrowing
- No customer testimonials, reviews, or verification of success stories provided
- Vague service descriptions lack detail on eligibility requirements or qualification criteria
- No information about company history, licensing status, or regulatory registrations
- Extremely broad product offerings may indicate unfocused business model or unverified capabilities
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Your Business Pros Inc legitimate?
Yes. Your Business Pros Inc is a registered company, headquartered in 1100 Peachtree St NE Suite 200, Atlanta, GA 30309.
Quick Facts
- Headquarters
- 1100 Peachtree St NE Suite 200, Atlanta, GA 30309
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Your Business Pros Inc
Business Pros Inc is positioned for established and growing businesses needing quick access to working capital or specialized financing without collateral, particularly those valuing personalized consultation. The primary caveat is the complete absence of pricing transparency, customer verification, or regulatory information—interested applicants should independently verify licensing and obtain specific rate quotes before proceeding.
Best For
- Established small to medium businesses needing working capital for operational expenses
- Business owners seeking fast access to funding without collateral requirements
- Entrepreneurs at startup or early growth stages looking for mentorship alongside financing
Updated 2026-04-29
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C
Coast Funding
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Financial Wellness Guides
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
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.
Interest Rate
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.
Why it matters
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.
How Loans Work
Cosigner — Loan Cosigner
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.
Why it matters
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.
Loan Term (Tenor) — Loan Term / Tenor
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.
Why it matters
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.
Origination Fee — Loan Origination Fee
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.
Why it matters
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.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
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.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
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 Your Business Pros Inc 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.