Lenders: contact
us for listing removal.
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Las Colinas Federal Credit Union
555 Cimarron Trail, Irving, TX 75063
www.lascolinasfcu.com
214.273.5094
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Resource One Credit Union
2315 W Airport Fwy Suite #161
Irving, TX 75062
www.r1cu.org
800.375.3674
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Mobility Credit Union
8384 N Belt Line Rd, Irving, TX 75063
www.mobilitycu.com
214.574.2000
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Irving City Employees FCU
1408 W Pioneer Dr, Irving, TX 75061
www.icefcu.com
972.259.1233
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Credit Union of Texas
6000 Valley View Ln, Irving, TX 75038
cutx.org
972.263.9497
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Chase Bank
111 E Irving Blvd, Irving, TX 75060
locator.chase.com
972.253.2214
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Regions Bank
7405 Las Colinas Blvd, Irving, TX 75063
www.regions.com
800.734.4667
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Wells Fargo Bank
3535 N Belt Line Rd, Irving, TX 75062
www.wellsfargo.com
972.255.2129
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First National Bank Texas
7505 N MacArthur Blvd, Irving, TX 75063
www.1stnb.com
972.830.9967
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Bad Credit
Loan Form for Irving TX
Irving TX
Lender Service Area Map
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Irving TX
5x5 Loan App Volume
Top 5 Irving neighborhoods
for loan application volume in the last 5
months.
Source: WFL
Lender Pool. Updated
Monthly.
Business Loan in Irving TX
Gale and her husband are looking
for a day to day operating loan that they can draw on and pay down based
on their day to day business needs.
They run an equipment business supply and rental business. They sell
equipment to the construction companies in the area as well as rent
equipment to local oil drilling companies.
Their business is growing and they have actually had to turn away some
customers.
They cannot get enough equipment to meet everyone’s needs and
find that they are missing an opportunity to grow their business further.
In addition, their rental business has taken off. They must invest in
the purchase of various items which are then rented out at a substantial
profit.
They focus on quick turnaround and try to meet a high rental ratio to
ensure that they are not left with a lot of inventory not generating
income.
There are ups and downs in the local economy, however right now business
is booming and they need cash to help them take advantage of this opportunity.
They also are aware that the economy can change quickly. Their rental
rates are sufficient to ensure that the equipment is paid for relatively
quickly.
A $250,000 revolving business loan would be perfect for them. It would
allow them to draw on it as needed as well as repay the loan principal
in full whenever they had extra cash available.
Their minimum commitment each month would be the accumulated interest
charges for that month.
A $250000 loan with a one-year term and 3% interest rate for Gale would
cost her the following per month:
• Loan Amount (principal) = $250000
• Interest Rate = 3%
• Term Length = 10 year
• Monthly Payment = $2414.02
• Total Paid Back = $289682.23
• Total Interest = $39682.23
The monthly payment indicated assumes a more traditional loan, repaying
the loan in equal monthly amounts each month over a ten-year period.
In reality they would just need to pay the accumulated interest charges
each month as a minimum payment.
The requested loan is a very large sum of money. Gale will need to provide
a well thought out business plan complete with forecasted rentals and
equipment purchases to support this initiative.
Basically the lender approving this loan request will need to be convinced
that not only that the business is viable, the business model over the
long term will be sustainable.
Large loans like this one, especially business loans require and receive
a great deal more scrutiny before they are approved.
Lenders will examine the details of the business, their customers, outstanding
collectibles and overall income to satisfy themselves that this is a
reasonable business opportunity with reasonable risk levels.
Gale and her husband have been successful for many years and have the
experience to manage the business going forward.
Gale decided to employ the expertise of a business consultant to assist
in preparing an appropriate business plan to answer all of the questions
a lender may have.
They anticipate that their business plan will be ready in a few weeks
at which time they will resubmit their loan application along with the
business plan. There loan application will be reviewed once again at
that time.
If you live in Irving TX and
you need a loan regardless of a bad credit rating we hope our website
helps you in some way.
Sincerely,
Lance Somerset

Lance
Somerset founded the We
Find Lenders Pool. He writes for WFL on rare occasions just for
the fun of it, and to stay current with the content on our website.
His son Andy and daughter Chris handle most of the research and writing.
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Employment & Education Advancement
Opportunities in Irving TX
If you live in Irving and you're struggling
to make ends meet, you may want to consider these ideas.
Job Upgrade: Indeed
/ Monster
Education Advancement:
College / University
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Credit
Counseling In Irving TX
Tap image
for larger interactive map.
Honest Credit Repair Service
6565 N MacArthur Blvd, Irving, TX 75039
honestcreditrepairservice.com
469.206.9437
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Transformance
(near Irving TX)
8737 King George Dr #200
Dallas, TX 75235
www.transformanceusa.org
214.638.2227
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American Consumer Credit Counseling
(near Irving TX)
1717 McKinney Ave #700
Dallas, TX 75202
www.consumercredit.com
214.593.6421
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Irving Assistance Programs
Food Bank: Irving Cares
/ Address: 440 South Nursery Road #101, Irving, TX 75060 / Phone: 972.721.9181
Hot/Cold Meals: Dayspring
Family Church / Address: 618 North Belt Line Road, Irving, TX 75061 /
Phone: 972.399.7729
Shelter In Case of Eviction:
Family Promise of Irving / Address: 315 West 3rd Street, Irving, TX 75060
/ Phone: 972.313.1500
Social Assistance Programs:
Housing & Human Services / Address: 825 West
Irving Boulevard, Irving, TX 75060 / Phone: 972.721.4800
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Usury and
Regs. Governing Irving TX
Usury Law(s) pertaining to Irving TX / Legal:
6% Contract: Limit is calculated as per the median (avg.) twenty-six month
United States T-Bill amounts times two. However, it can't be lower than
eighteen percent or over twenty-four percent. Judgment: calculated
as per the fifty-two week T-Bill but never less than five percent
or higher than twenty percent. Complete
usury law for Texas see §306
and §303
/ for Texas residents
with bad credit or fair credit who want to submit
a loan application
If you believe any Irving Texas
based lender is using predatory lending tactics, you can file a complaint:
Texas Department of Savings and Mortgage and Lending / Physical mailing
address is 2601 N. Lamar, Suite #201, Austin, TX 78705 / Toll free: 1-877-276-5550
/ Fax: 512-936-2003 / Online
complaint form / See full
list of ways to file a complaint against a lender in Texas
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