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Why Choose Us
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Our Approach

1. The US Trust Difference

At US Trust Business Loans, we are not just algorithm-driven "bank statement chasers." We are a private lending firm where the Principal personally pre-underwrites every file. With over 25 years of experience, we look beyond the credit score to understand the story behind your business.

While traditional banks take months to say "no," our in-house Elite Top Tier Lending Network allows us to structure approvals in 2–6 hours and fund typically the same or next day.

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2. Security & Privacy (The "No Shopping" Guarantee)

We take your privacy seriously. Unlike many online lenders who sell your data to hundreds of lead buyers, we never sell, trade, or "shop around" your information.

  • Direct Processing: Your file stays within our vetted private network.

  • Secure Technology: We use DocuSign for all contracts to ensure data encryption.

  • Insured for Your Safety: We are one of the few firms carrying E&O Insurance with BiBerk (A Berkshire Hathaway Company), giving you peace of mind that you are working with professionals.

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3. "Bankable" to "Unbankable" – We Fund It All

We understand that real business is messy. Whether you have perfect credit or were impacted by COVID-19, we have a program for you.

  • A to F Credit Programs: We fund defaults (with a zero-balance letter) and challenged files.

  • Skin in the Game: We are true "syndicating business lenders." In complex cases, we often use our own commissions and firm revenue to help fund your deal. If we believe in your business, we invest in it.

  • Complimentary Credit Repair: Funded clients gain access to our credit repair services to help you get back to "A-Paper" status for your next round of capital.

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4. Our White-Glove Promise

You're never just a number here. We offer:

  • Personalized Service: Face-to-face meetings, video conferencing, and after-hours appointments available upon request.

  • Full Product Suite: From SBA 7(a) and Equipment Financing to Luxury Loans and Revenue-Based Financing.

  • Transparency: We demand honesty about your financial history because we work hard to overcome it. If you are transparent with us, we can find a solution. Our online reviews speak volumes about our low interest rates and long terms.

Ready to experience the difference? Submitting an application takes minutes and does not impact your credit score.

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