Merchant cash advances, business loans, commercial loans, and personal loans — all in one place. Fast approvals, flexible terms, no bank runaround.
One specialist, four funding programs. Stop bouncing between lenders — I match you with the right capital for your situation.
Get capital fast based on your business revenue — not your credit score. Perfect for covering inventory, payroll, or unexpected expenses.
Term loans, lines of credit, and equipment financing. Build credit history while getting the capital you need to grow your business.
Commercial real estate, construction, and bridge loans. Whether you're buying property or refinancing, I'll structure the right deal.
Unsecured personal loans for debt consolidation, home improvement, or major expenses. Simple application, quick approval, no collateral needed.
No reams of paperwork. No committee approvals. Just a fast, transparent process from a real person who answers the phone.
Fill out the short form below — takes about 3 minutes. No hard credit pull, no obligation.
I review your situation and match you with the best funding program. You get real numbers, not just promises.
Approval in as little as 24 hours. Funds deposited directly to your account. You deal with me directly throughout.
I ran an auto shop before I got into finance. I know what it's like to need capital and get the runaround from banks. That's why I built WinLoans differently.
Decisions in hours, not weeks. I built this business around your timeline, not a bank's.
You talk to me — not a call center, not a different processor every week. I know your file.
MCA, business, commercial, personal. You don't need to find four different lenders — I handle them all.
I've owned a business. I understand cash flow, payroll pressure, and why you need money — not just that you need it.
Full service in English and Vietnamese. You understand every term before you sign.
NMLS licensed with a network of vetted lenders. You're working with someone who's accountable.
Real reviews from business owners and individuals I've helped get funded — fast.
"My auto shop needed $40K for a lift and tire machine. My bank wanted three years of tax returns and still couldn't promise anything. Manh got me approved in two days. He's been in the trenches — he gets it."
"I needed a commercial loan to buy the building my restaurant was renting. Every bank I talked to gave me a different answer and a 6-week timeline. Manh closed it in 18 days. One phone call, one person, done."
"I was drowning in credit card debt from my business and personal expenses. Manh consolidated everything into one personal loan with a way better rate. Saved me $900 a month. He actually explained everything in Vietnamese so I understood every detail."
"Called Manh on a Monday needing $75K for inventory for the holiday season. Had the money by Wednesday. No drama, no endless paperwork. He picked up the phone every time I called — that never happens with a lender."
"Manh helped me get a $30K merchant cash advance when my trucking company had a rough month and I needed to make payroll. I've never had someone move that fast. When it was time to renew, he got me better terms. He's my money guy now."
"I needed a personal loan for a family emergency and my credit wasn't great. Manh didn't judge me or make me feel small about it. He found a program that worked, got me $15K in two days, and the rate was fair. I'll be back for my business loan next year."
Straight answers from a real person — not fine print designed to confuse you.
No. The initial application uses a soft credit pull, which does not impact your credit score. A hard pull only happens if you decide to move forward with a specific loan program — and only with your permission.
Merchant cash advances can fund in 24-48 hours. Business loans typically take 2-5 business days. Commercial loans take 1-3 weeks depending on the property. Personal loans usually fund within 1-3 business days.
That's exactly why I'm here. MCA programs are based on business revenue, not credit scores. For business and personal loans, I work with lenders who look at the whole picture — not just a number. I've helped clients with scores in the 500s get funded.
WinLoans LLC is a funding brokerage. I match you with the best lender for your specific situation. This means you get access to multiple offers without applying to each lender separately — saving you time and protecting your credit.
For most programs: a completed application, 3-6 months of business bank statements, and a valid ID. Some programs may require additional documentation, but I'll tell you exactly what's needed upfront — no surprises.
Yes. While I'm based in Washington, business funding and personal loans are available nationwide. Commercial loans are available in most states. Call me to discuss your specific situation.
I also run Win Homes and Loans LLC — a licensed mortgage brokerage serving Washington, Oregon, and Idaho. Purchase, refinance, VA, FHA, jumbo loans. Bilingual English & Vietnamese.
Visit WinHomesLoans.com →
Fill out the form below and I'll personally review your application. No hard credit pull, no obligation.
Thank you. Manh will personally review your application and reach out within 24 hours. For immediate assistance, call (253) 444-8433.