At Jose Kalil, our mission is to help entrepreneurs and business owners access the capital they need to grow and succeed. Using the legal structure of an LLC (Limited Liability Company), we guide our clients through a strategic business funding process made up of three essential stages: business credit cards, lines of credit, and business loans. Here’s how each phase works and why they are critical to your company’s success.
Stage 1: Business Credit Cards – Flexibility and Immediate Benefits
The first stage focuses on obtaining business credit cards under the LLC’s name. This step provides fast access to revolving credit without putting the business owner’s personal finances at risk. Business credit cards offer multiple advantages:
- Financial separation between the owner and the business.
- Establishing and building business credit history.
- Access to rewards, points, and cashback programs.
- Flexibility to manage day-to-day operational expenses.
In this phase, our team advises on the best available credit card options, optimizing interest rates and credit limits based on the LLC’s financial profile.
Stage 2: Business Lines of Credit – Flexible Capital and Financial Control
Once a solid business credit foundation is in place, we move on to securing business lines of credit. These provide greater funding capacity and allow businesses to access capital as needed, without having to apply for a new loan each time.
There are various types of credit lines available, such as:
- Traditional lines of credit with banks.
- Secured and unsecured credit lines.
- Lines from fintech or alternative lenders.
These tools are ideal for managing cash flow, financing inventory, or seizing unexpected opportunities. At Jose Kalil, we analyze each client’s situation and connect them with the most suitable options based on their LLC’s standing and business goals.
Stage 3: Business Loans – Long-Term Financing with Banks and the SBA
The third stage involves obtaining larger business loans, with higher amounts and extended repayment terms. Here, we work with both traditional banks and programs backed by the Small Business Administration (SBA) — a federal agency that supports small business lending.
Benefits of this stage include:
- Access to significantly larger funding amounts.
- Competitive interest rates.
- Repayment terms of up to 25 years, depending on the loan type.
This type of financing is ideal for expansion, equipment purchases, commercial real estate acquisitions, or debt restructuring. The Jose Kalil team supports each client in preparing the required documentation, improving their business profile, and connecting with the right institutions.
Access to capital should never be a barrier to your business growth. At Jose Kalil, we’ve designed a structured three-stage process to help you secure smart and responsible business funding through your LLC. From business credit cards to SBA-backed loans, we are here to guide you every step of the way.
Ready to begin your business funding journey?
CLICK HERE and contact us today and let us help you build your business future.