Wealth Trendsetters

We Are Redefining the Loan Industry.
Take control of your financial future.
Get a loan to help you meet your goals.

Business Loans   Personal Loans

YOUR TRUSTED Lending group

Wealth Trendsetters, brings borrowers and investors together, transforming the way people access credit. We will help you take control of your personal debt, grow your business and/or invest for the future.

Ask us about Personal Loans, Even For People With Bad Credit Or No Credit.

  • Loan Packaging Service
  • 24-hour approvals
  • Variety of programs
  • Get up to $10 Million
  • Cash in as few as 48 hours
  • Our Core

    Our mission is to simplify the world of personal and business lending and to make financing more accessible to you.

    Rapid Response

    Wealth Trendsetters offers a convenient online loan application with fast approvals, sometimes even same day!

    #1 Customer Service

    It is stressful when you need money fast. We focus on providing a complete solution to meet your needs.

    Wide Variety of Lenders

    We work with hundreds of direct lenders to get you approved.

    it's time to get started

    Start by doing what’s necessary;
    then do what’s possible; and
    suddenly you are doing the impossible.
    – Francis of Assisi

    Business Loans

    Grow your business with an easy and affordable Business Loan
    You'll get money in your account and enjoy predictability with fixed, low monthly payments that will build your business credit.

    Business Line of Credit
    Equipment Loans
    Construction Loans

    Start-up Capital

    Invoice Factoring

    Merchant Cash Advance

    Personal loans

    Take control of your finances, our comprehensive network of lenders and lending partners offer a wide range of funding!

    Debt Consolidation
    Real Estate Loan
    Auto Financing

    Fund Large Purchases

    Student Loan Refinancing

    Vacation Loans

    Frequently Asked Questions

    We’ve built strong relationships with our lenders to keep costs low and opportunity high for our clients.

    Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan's terms and conditions.
    A personal loan is an online loan that can range from $1,000 to $35,000. The specific loan amount that a borrower can acquire depends on the individual’s credit, as well as their state’s loan laws and regulations. Personal loans are also known as signature loans, because there is no collateral required and only your signature is needed to accept the loan offer. These loans are a quick and convenient way to borrow the funds you need.
    The entire process typically takes about 7 days. In some cases, it may take a little longer, depending on what we need from you. You can complete the entire process from the comfort of your home, or even on your phone! You can keep things moving by checking your To-Do List to make sure we have all the information and documents we need. Once your loan is approved and backed by investors, your money is automatically deposited directly into your bank account. Depending on your bank, this step can take a few more days.
    You may qualify for a personal loan if you meet the requirements. To be eligible for a personal loan, you must have a valid ID, a regular income, a checking account, and a good credit score. You don’t have to have perfect credit to get approved for a loan; however, it’s true that the higher your income and credit score are, the more likely you are to get approved by a lender.
    Weath Trendsetters and/or the lenders that we work with may do a “soft” or “hard” pull on your credit score to determine eligibility. Typically only a “soft” pull is done initially and then a “hard” pull may be done later on in the loan process by a lender. It is possible that multiple credit pulls will be done by our lenders. We also abide by the FCRA.
    We currently only work with residents of the United States (US).
    First, you should fill out an online loan request form with us. In this form you will first let us know how much money you would like to borrow, your credit rating, the reason why you are borrowing, and your monthly income. After this first step, you will provide some contact information and bank account details, so that our lenders may determine your loan eligibility. Once you submit your request, we will send it to our network of lenders.
    If you are approved for a loan, you will be forwarded a loan agreement, where the lender will explain their specific terms and conditions, including your repayment amount. Review these terms and conditions carefully before you sign the agreement.
    Soon after you have formally accepted the loan, the funds will be deposited directly into your bank account. As with any money transfer, the exact amount of time it will take for the deposited funds to become available will depend on the time of the loan approval and your bank’s specific policy.
    Wealth Trendsetters provides confidential assistance through every step of obtaining financing for your personal or business needs. We will scrutinize your loan documentation to ensure it is complete and accurate. Once that’s done, our Certified Public Accountant - CPA will ensure the information is combined in a clear and concise loan package to show details in the best way possible to apply for the loan you seek – creating an ideal presentation and accurate picture for the loan officer. Services also include business and financial plan writting and proofing. Our fee for service is 10% of the loan amount.
    Wealth Trendsetters is not a direct lender. We connect consumers seeking personal and business loans with our trusted network of lenders. Our online loan request form is intended to find a lender that will work with you and you can decide the rest.

    Loan Resources

    Personal and business loans can be intimidating. Our team works with you by providing educational resources and expertise.

  • APR
    APR stands for Annual Percentage Rate. It is the annual rate that borrowing money will actually cost you, inclusive of standard fees and interest rates. It is shown as a percentage of the total amount of money you are borrowing.
  • Debt-to-Income Ratio (DTI)
    Your DTI ratio is a number that represents your total monthly debt obligations divided by your total gross (before tax) monthly income. The general rule is to keep it under about 40%.
  • Collateral
    Collateral is a property or other asset that a borrower offers as a way for a lender to secure a loan. If the borrower stops making the promised loan payments, the lender can take the collateral to help recover losses from lent money that won’t be paid back. Common examples of collateral are houses, or cars.
  • Fixed Interest Rate
    A fixed interest rate loan is a loan where the interest rate never changes over the life of a loan. This allows borrowers to accurately predict their future payments. Personal loans through LendingClub have a fixed interest rate.
  • Soft Credit Inquiry
    A soft credit inquiry is a check into your credit report by a company or person that does not affect your credit score.
  • Hard Credit Inquiry
    A hard inquiry is a check into your credit report by a company or individual that typically occurs when you have applied for a credit card, loan, home mortgage, or car loan or other credit. It can negatively impact your credit score.
  • Fixed Interest Rate
    A fixed interest rate loan is a loan where the interest rate never changes over the life of a loan. This allows borrowers to accurately predict their future payments.
  • Variable Interest Rate
    A variable interest rate is an interest rate on a credit card or loan that may change over time.
  • Compounding Interest
    Compounding interest is when you are paying interest on interest you owe, rather than what you borrowed, also known as the principal. If you are paying minimums on your credit card, your interest could be compounding, meaning you are paying interest on interest.
  • Secured Loan
    A secured loan is backed by a valuable asset (such as a car or property) which is used as collateral.
  • Unsecured Loan
    Rather than being backed by an asset such as a car or home, an unsecured loan does not use collateral. Credit history, income, and other attributes are considered to determine a person’s creditworthiness for unsecured credit.
  • The following are four of the most common reasons you might have a higher interest rate or even be denied for a loan.
  • Debt-to-income ratio (DTI): Your DTI is the amount of monthly debt obligations you have divided by your monthly gross income. Lenders see this as an indicator of your ability to comfortably take on, and pay off more debt.
  • Missed payments, charge offs and other mishaps: A track record of not making payments is usually a solid indicator that someone might slip with payments in the future. Unfortunately, lenders don’t have a view into the extenuating circumstances that may have led to a couple of missed payments.
  • Credit utilization rate: Your credit utilization (or usage) is the amount of credit you’re using divided by the amount of credit you have access to. If it’s higher than about 30%, many financial companies see this as an indicator that you might not be as responsible as you could be.
  • Little or no credit history: If you don’t have a track record with credit, it’s difficult to guess how you might handle paying your debts.
  • Lenders use your FICO score, or credit score, to determine whether to offer you credit. Your FICO score is derived by applying a mathematical formula to your credit report data. “FICO” is an acronym for the Fair Isaac Corporation, the company that created the FICO score.
    Your FICO score is also a big factor in determining your interest rate. Generally, lenders consider people with higher scores to be more desirable borrowers than those with lower credit scores, as they typically are at a lower risk of defaulting on their loans.
  • Monitor your credit: Reviewing your credit report and correcting mistakes can raise your score, which is based on your credit history.
  • Reduce the amount you owe on credit cards: Pay down all card balances, so the amount you owe is below 30% of the card’s credit limit.
  • Start using a card you haven’t touched for a while: This sends a report to the credit bureaus, increasing your available credit and helping the utilization ratio. And since the length of your credit history contributes to 15% of your score, using an old card might help there too
  • Pay all bills on time: Just one 30-day late payment can lower your credit score 40 to 80 points. Make sure you always pay on time, even if you’re only paying the minimum.
  • Don’t open or close any account: New accounts lower your score temporarily and makes a new creditor, like a mortgage lender, less eager to open another account for you. Closing an acount lowers the amount of credit available to you and therefore lowers your credit score.
  • Creating and implementing a comprehensive financial plan will keep you focused on your goals and what is needed to achieve them. Wealth Trendsetters has specific expertise in one or more special areas of financial planning. Our team will help you create and implement a comprehensive financial plan designed for you.
    The very first thing you should do is review the reason(s) you weren’t approved for a loan. Once you know that, you’ll know how to fix it.Here are 3 things you can do now:
  • Sign up for credit monitoring
  • Create a financial plan
  • Repair or build your credit but, this can take months or even years. Be patient with the process.
  • Get in Touch

    If you have questions about our services, don't hesitate to send us your message. This is a real working contact form, test it!

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    All loans made by members of the FDIC. Rates are determined by credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.98% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. The APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 10% and the average origination fee is 5.49% as of Q1 2017. There is no down payments or prepayment penalties. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.wealthtrendsetters.com website. All loans via Wealth Trendsetters have a minimum repayment term of 36 months or longer.