Frequently Asked Questions

Aerdna Eiram Financial | The Business Capital and Commercial Mortgage Experts

As the Business Capital and Commercial Mortgage Experts, we specialize in delivering fast, flexible, and accessible capital solutions for entrepreneurs who are often underserved or overlooked by traditional financial institutions. We understand the unique pace and demands of business ownership, especially for service-based, product-based, and growth stage companies, and that’s why we’ve built a funding experience that’s transparent, timely, and tailored.

Our portfolio of business capital options includes business lines of credit, merchant cash advances, working capital injections, and more, all designed to support real world business needs without the burden of restrictive qualifications. Unlike traditional lenders, we do not require collateral, and our application process involves no hard credit pull, allowing you to explore your funding potential without impacting your credit profile.

With approvals within 1 day and direct funding often delivered within 24 to 48 hours, we prioritize speed without compromising service. We take a revenue based approach to underwriting, focusing on your current business performance and future potential rather than outdated credit metrics. For qualified clients, we also offer generous early payoff discounts, up to 100% of the interest empowering you to eliminate debt faster and retain more capital for growth.

Commercial, Multifamily and Investment Mortgage Lending

We connect real estate investors, developers, and business owners with fast, reliable access to long-term, short-term, rehab, and ground-up construction loans through a diverse network of institutional, Alt-A, and private lenders. Whether you're acquiring, building, renovating, or holding for long-term growth, we provide access to over 1,500 lenders nationwide to meet your timeline and goals, even when banks can’t.  

Personal Credit Revitalization

We don’t just offer an advanced AI-powered DIY credit repair experience, we give you the tools to rebuild your entire financial identity with power, discretion, and strategy. 

Our service is designed for entrepreneurs and professionals ready to reclaim control, access capital, and scale without limits.  Paired with AU Tradelines for Maximum Leverage, we elevate your DIY experience with exclusive access to Authorized User (AU) Tradeline Pairing, a proven strategy to supercharge your credit profile with seasoned accounts. 

We Elevate Your Financial Status.
Because Status Is Not Given, It Is Built.

At AERDNA EIRAM Financial, we are The Business Capital and Commercial Mortgage Experts. We redefine what access to capital looks like for entrepreneurs, visionaries, and service, based professionals. Unlike traditional banks that rely heavily on rigid credit models, extensive paperwork, and drawn out approval processes, we deliver a boutique approach to capital access centered on speed, strategy, and tailored solutions.

Here’s what sets us apart:

Capital Built Around Your Business, not Just Your Credit
We prioritize your business’s revenue and performance, not just your FICO score. Whether you’re an emerging founder or a seasoned operator, we create opportunities where banks see limitations.

Expedited Access to Business Capital
From merchant cash advances, and business lines of credit we deliver capital approvals within 1 day and funding in as little as 24 to 48 hours. No collateral required. No cookie cutter lending.

Strategic Capital, Not Just a Transaction
We don’t just provide access to capital, we partner in your growth. Our clients gain access to tailored capital planning, early payoff incentives, transparent underwriting, and concierge level support throughout the lifecycle of their loan.

Commercial, Multifamily, and Investment Mortgage LendingWe fund the builders, the bold, and the visionaries. With access to 1,000+ lending partners nationwide, we deliver capital for acquisitions, construction, renovations, and long term holds. Whether you’re reviving a forgotten property or raising something new from the ground up, we move when banks stall fueling returns with speed, strategy, and intention.  

Our DIY Personal Credit Revitalization service is a solution designed for individuals who are ready to reclaim their financial power and unlock new opportunities both personally and professionally.

At AERDNA EIRAM Financial, we go beyond generic credit disputes. Our DIY AI system conducts a comprehensive audit of your credit profile to identify inaccurate, outdated, or unverifiable information affecting your scores across all major bureaus. From there, our system implements a strategic and compliant dispute process to challenge and remove negative items, positioning you for long term credit health.

Whether you're looking to qualify for business capital, secure better lending terms, or simply rebuild your financial credibility, we help you do it with discretion, integrity, and purpose.

Because "status is not given, it is built". And it starts with repairing the foundation.

Get started today: https://aerdnaeiram.creditmyreport.com

AERDNA EIRAM Financial takes a strategic, two part approach to credit elevation by combining AI-powered personal credit revitalization with exclusive access to Authorized User (AU) tradelines each designed to enhance your credit profile in complementary ways.

Our diy credit revitalization platform empowers clients to identify, dispute, and remove outdated or inaccurate items using automation and data backed strategies. It builds a strong foundation by improving core credit factors such as payment history, account accuracy, and overall score trajectory.

Once the credit file is stabilized, our AU tradeline service adds a powerful layer of positive credit data by reporting seasoned, high limit accounts with long standing payment history and low utilization. These tradelines do not require credit inquiries or new accounts but temporarily boost creditworthiness, perfect for preparing to apply for funding, credit lines, or improving a personal guarantee.

Used together, these tools create a smart, ethical, and strategic pathway to faster credit improvement maximizing both short-term impact and long-term financial positioning.

Get started today: https://aerdnaeiram.creditmyreport.com

Add AU Tradelines: https://aerdnaeiram.com/au-tradelines

AERDNA EIRAM Financial is an independent brokerage certified by David Allen Capital Inc. to deliver a robust suite of commercial financial solutions designed for entrepreneurs and businesses of all sizes. 

Working with us you gain access to:
• Alternative Business funding options

• Individual and Group Healthcare Plans
• Payment Processing Solutions
• Identity Protection Services

Explore your Alternative Business funding options: https://davidallencapital.com/aerdnaeiram

Explore your Individual and Group Healthcare Plan options: https://davidallencapital.com/healthshare/aerdnaeiram

Explore your Payment Processing Solutions: https://davidallencapital.com/payment-processing/aerdnaeiram

Explore your Identity Protection Service options: https://davidallencapital.com/dac-protect/aerdnaeiram

Yes. We welcome referrals from bankers, advisors, business consultants, agents, brokers, and business owners. If your client or contact needs funding and doesn’t qualify through traditional banks, we can step in and help while you maintain the relationship.

Your referral is welcome to apply for business capital through either of our application pages 24/7. We handle the funding process from start to finish. If you’d like to receive updates, simply complete the application using this link https://aerdnaeiram.com/referrals for each referral you submit to us. We will keep you informed throughout the process and ensure that your relationship with the client remains protected at all times. 

Yes. We offer referral fees that are based on the total amount of the funded loan your client secures. Referral fees are typically paid within 30 - 45 business days after the loan is finalized and funded.

For details or to discuss your specific referral options, feel free to contact us:
469-215-1174 or inquiry@aerdnaeiram.com

You maintain full ownership of your client relationship. We simply step in with fast, flexible funding solutions when your client needs immediate access to capital or when a traditional bank can’t approve them. Our role is to support you behind the scenes, keeping you positioned as their trusted advisor every step of the way.