Feeling stuck after a bank no?
A denial can feel personal. It often means the bank’s box was too small for your story, not that your business has no future.
Mom-and-pop friendly · Broker-guided help
Unsecured working capital for your business
Hi, I am Nina DeSandro. When the bank says no, payroll is tight, or credit feels messy, you still deserve a clear path forward. I help small-business owners across the United States explore unsecured business loans, unsecured working capital, and alternative business funding with a simple 1-page application and real human support.
Funding highlightLender review required
Up To 1 Million in Funding Today or in 1-2 days
I’m an independent loan broker, not a lender. Approval, rates, terms, amount, and timing depend on lender review.
- Bank turn-downs OK
- 500 FICO lender review
- Private funding paths
How we help
When cash is tight, your business still deserves care
Running a shop, kitchen, crew, or care home is personal. The goal here is simple: help you breathe, cover what matters, and keep serving your customers.
You are not alone in this
Mom-and-pop owners face slow seasons, repairs, and payroll pressure every week. Support should sound like a neighbor, not a lecture.
Plain talk, real options
I explain private and alternative lending paths in everyday words so you can decide with confidence, not guesswork.
Honest expectations
No hype promises. Every request goes through lender review for approval, amount, rate, and timing. I stay with you through the process.
What lenders review
Situations private and alternative lenders review
These are common starting points, not guarantees. High-risk business loan requests, challenged credit, and bank turn-downs may still be looked at. Final decisions always belong to the lender.
500 FICO
Credit in the 500s may still be reviewed, including some 500 FICO files. Every file is looked at individually.
Bank turndowns OK
If a bank said no, that does not close every door. Private and alternative business loan paths may still fit.
Bankruptcies OK
A past bankruptcy does not automatically stop the conversation. Lenders review the full business and credit picture.
No Tax Returns
Some private funding programs may not require tax returns. The lender decides what documentation fits each file.
Tax liens OK
Tax liens may still be reviewed by lenders, depending on the full file.
Challenging credit welcome
Challenged credit and high-risk business loan requests may still be considered through private and alternative lending.
Not a guarantee of approval. Every file is reviewed individually by lenders. Nina is an independent business funding broker who helps you explore options and prepare your request.
Working capital
Money that can help keep your doors open
Use Money For Anything You Want
Lenders review each request, while you decide which business priorities need the most room to breathe.
An unsecured working capital loan is one possible path for the real needs of a business. Owners may ask about payroll, inventory, equipment, debt consolidation, or day-to-day costs. Some lenders also review merchant cash back or merchant cash advance requests. Available programs, pricing, and terms depend on the lender.
Payroll
Keep your team paid when cash flow dips.
Inventory
Stock up before busy seasons hit.
Equipment
Repair, replace, or upgrade tools you need.
Slow seasons
Bridge the quiet months without panic.
Growth projects
Fund the next room, truck, or location.
Day-to-day bills
Cover rent, suppliers, and operating costs.
Welcome industries
Unsecured working capital for businesses including
From food trucks to care homes, roofers to dentists, if you are building something local and hardworking, you belong here. Do not see your trade listed? Start with Your Business.
- Manufacturing
- Retail
- Bank Turn-Downs
- Trucking
- Adult Care
- Child Care
- Restaurants
- Franchises
- Food Trucks
- Bars
- Roofers
- Hotels
- Gaming
- Cannabis
- Construction
- Plumbers
- Liquor Stores
- Dentists
- HVAC
- Small businesses
- Your Business
Three clear steps
How to apply without the runaround
If you are looking for business funding, alternative lending, or business loans after a bank denial, start with the same simple process. No long portal or maze of forms. Download the application, complete it, and email it with your bank statements. I guide you from there while each lender decides what fits.
- 1
Download the 1-page application
Fill it out completely. Keep it simple. One page is all you need to get started.
- 2
Sign, date, and gather statements
Sign and date the application. Attach six months of your most recent business bank statements.
- 3
Email everything to Nina
Send the signed application and bank statements to ninakomniey@aol.com. Call 951-852-7413 if you want a quick check-in first.
For your safety, do not upload bank statements or sensitive documents on this website. Email them directly to Nina after you complete the application.
Common funding questions
Clear answers before you take the next step
These are common questions from small-business owners across the United States. The answers explain what a lender may review, not a promise of approval, amount, rate, or timing.
You can share the basics of your business after bank turn downs or a bank denial. Nina may help you explore alternative lending and private business funding options with lenders. A bank denial does not guarantee another approval, and each lender decides whether the request fits.
Still deciding? Share your situation through the inquiry form, and Nina can explain what information a lender may need to review.
Start here
See my options for working capital
Share a few basics about your business. Nina will review your note and follow up with possible next steps. This is not an online loan decision and not a guarantee of funding.
Prefer to talk first?
Call951-852-7413emailninakomniey@aol.com
After you submit
Download the 1-page application, sign and date it, then email it with six months of bank statements. That package helps lenders review your file.
Take-home tools
Download the flyer and the 1-page application
Print them, share them with a partner, or fill them out tonight. When you are ready, email the signed application with six months of bank statements to ninakomniey@aol.com.
Your Business Funding Flyer
A one-page overview of unsecured working capital help for Your Business, including the industries we welcome and how to apply.
View / Download Your Business Flyer1-Page Simple Application
Complete, sign, and date the application. Email it with six months of your most recent bank statements to ninakomniey@aol.com. Questions? Call 951-852-7413.
Download 1-Page ApplicationEmail checklist
- Signed and dated 1-page application
- Six months of most recent business bank statements
- Send to ninakomniey@aol.com
