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Go to Credit Hub๐ผ Our Funding Programs
Explore our full suite of loan and investment options tailored to your business and real estate needs.
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Root Of Lyfe Holdings
Funding โข Trading โข Education
Your Funding, Credit, and Wealth-Building Solution
Fill calculators, watch videos, and submit the quick snapshot to get routed to underwriting. Estimate offers: All-cash, Seller carry, Seller finance.
๐ฅ Featured Videos โ Watch then act
Startup + Business Loan Overview
Short intro for entrepreneurs โ start here.
Term Loans Explained
How term loans work and example documents.
SBA Loan Overview
How SBA products can help expansion & equipment purchases.
Creative Financing โ Seller Carry, Cash Offers
How to structure seller-carry, creative payoffs, and hybrid offers.
Tip: Click any video to play with sound. Browsers block autoplay with sound by default.
๐งฎ Calculators & Tools โ Property & Business
All calculators are live. Enter numbers and press the Calculate button. Each card contains an example and a short explanation.
๐ Three-Tier Offer Analyzer
Auto-generates All-Cash, Seller Carry, and Seller Finance numbers. Example: ARV $250,000 gives quick estimates to guide offers.
All Cash
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Seller Carry
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Seller Finance
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๐ Property Loan Programs
Fix & Flip Loan
For investors buying, renovating and reselling quickly. Example: Buy $120k, Rehab $40k, ARV $200k.
Estimated Net: โ
Buy & Hold (Rental)
Estimate cash flow, gross yield, and cap rate. Example: Buy $150k, rent $1,500/mo.
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DSCR Loan
Lenders use Debt Service Coverage Ratio to qualify loans based on rental income. Target โฅ 1.25 typically.
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Bridge Loan
Short-term financing until permanent financing closes. Example: $250k for 6 months.
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Commercial / Cap Rate
Use NOI & value to estimate cap rate or calculate max loan at target LTV.
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Construction Loan
Estimate interest-only payments during construction draw period.
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Hard Money
Asset-based, fast-close lending, usually higher rates. Example: Lend up to 70% of ARV.
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Cash-Out Refinance
Pull equity by refinancing to a target LTV. Example: Home $400k, owe $250k, max refi 75% =>$300k -> $50k cash-out.
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Portfolio Loan
Finance multiple rentals under one loan. Enter combined value and desired LTV.
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Mixed-Use Property
Properties with both residential & commercial income โ financing depends on income split and underwriting.
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๐ผ Business Loan Programs
Term Loan
Lump-sum financing with fixed payments.
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SBA Loan
Government-backed with competitive terms (7a/CDC/504).
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Line of Credit (LOC)
Revolving credit for working capital.
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Merchant Cash Advance (MCA)
Quick advance repaid as percentage of sales. High APRs; fast funding.
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Invoice Factoring
Sell invoices for cash today โ enter invoice value & advance rate.
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Equipment Financing
Finance equipment with predictable payments.
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Revenue-Based Repayment
Repay a portion of monthly revenue until loan repaid.
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Franchise Loan
Loan for opening/franchise expansions โ example monthly payment shown.
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Startup Loan
Small business starter loan (no or limited credit history). Example monthly payment & guidance.
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Microloan (under $50k)
Small-dollar help for inventory, website, or equipment.
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๐ฑ Creative Financing โ Seller Carry & Special Offers
Use when a traditional loan doesn't fit โ seller-carry, hybrid finance, balloon, or structured offers. Fill the intake below to get a tailored recommendation.
If the form doesn't load inside Systeme.io, open it in a new tab: Open Creative Financing Form
๐ Quick Funding Snapshot
Fill this short form to send basic info + calculator results to underwriting. Submissions are posted to Zoho Flow webhook (debug mode).