Yalber is an easy and fast funding option for businesses looking for working capital. No personal guarantee or guarantee is required for receiving contributions up to $500,000.

Yalber has invested over $280 million in over 12,000 businesses since 2007. In the financial world, Yalber is known as a royalty-based investments, Yalber collects a percentage of your business’ future claims against the initial funding.

However, compared to other royalty investments, Yalber does not receive royalties during the lifetime of its business. Rather, payment will be discontinued once the full refund amount has been returned. The agreed percentage will also be fixed until the agreement is finalized.

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Table of Contents

Yalber Terms & Fees

Approval Speed	24 hours
Approval Criteria	Overall business health
Minimum Time in Business	2 months
Minimum Gross Revenue	$7,000 per month
Funding Amount	$5,000 – $500,000
Fund Use	Any business purpose
Personal Guarantee or Collateral	Not required

Application Process

To get started, you’ll need to submit an application and documents that demonstrates your business performance in the past three months.
Get approved in less than a day, choose from personalized options catered to your business.
The next business day, funds will be transferred into your business checking account.

Pros & Cons

PROS

There’s no personal guarantee or collateral. You won’t have to pledge yourself or your assets to repay the investment in case, if ever, things don’t go the way it’s planned.
You can get quick funding since the average time a business gets its investment approved and funded is 72 hours, but it can take as little as 48 hours in some cases.
Yalber doesn’t take into consideration your personal credit in its approval process, so if you have bad credit then it’s okay. The decision is based on the merits of your business.
You”ll have your own Yalber Account manager who is assigned to you based on location and industry. They’re going to be available to you 24/6 via email, phone, or online through the Yalber Customer Portal.

CONS

Yalber does require at least a gross of $7,000 er month and in business for a minimum of two months.
There’s also a lack of online information about Yalber and the nonexistent third-party reviews. Yalber advertises that there is no interest rates, however there is a risk analysis team will determine your “deal amount” once you apply. You also won’t find any information on how much the “deal amount” differs from the amount of the capital you’re requesting.

Bottom Line

Yalber is a good option for entrepreneurs who are well established and can afford to make payments based on their monthly income. You can request loans up to $500,000 without a personal guarantee or putting down any collateral.

Unlike other investment companies, Yalber does not require a personal guarantee or guarantee. Once you’re in, Yalber provides top-notch, around-the-clock customer service. You can also check out other loan services that fits your business or personal needs!

While you’re here on HMB, check out our other bank guides, and other ways to save money with credit card bonuses.