Frequently Asked Questions

AERDNA EIRAM Financial operates as an independent global commercial finance brokerage, facilitating access to business capital and commercial mortgage financing through a diverse network of U.S. based institutional, alternative, and private lenders. Unlike traditional depository institutions, we do not lend directly, set credit terms, or make underwriting decisions. Our role is to structure, position, and present financing requests in alignment with lender program criteria.

Financing Structures Beyond Traditional Bank Models

Traditional banks typically rely on standardized credit metrics, fixed underwriting frameworks, and extended approval timelines. We support borrowers whose capital needs may not align with conventional bank requirements by introducing alternative financing structures that consider a broader range of factors, including business operations, revenue performance, and transaction profile, subject to lender underwriting and approval.

Business Capital Solutions

AERDNA EIRAM Financial facilitates access to a variety of non bank business capital solutions, which may include business lines of credit, working capital facilities, and other alternative funding structures. These programs may offer different qualification standards than traditional bank products and are evaluated based on lender guidelines, borrower eligibility, and overall transaction viability. Collateral requirements, approval timelines, funding amounts, and pricing vary by lender and program.

Structured, Transaction Focused Approach

AERDNA EIRAM Financial's engagement is centered on transaction strategy rather than product sales. We assist clients by coordinating documentation, managing lender communication, and aligning financing requests with appropriate capital sources to promote efficiency and clarity throughout the process. We do not guarantee approvals, terms, or funding timelines.

Commercial, Multifamily, and Investment Mortgage Lending

AERDNA EIRAM Financial facilitates commercial mortgage financing for acquisition, refinance, bridge, rehabilitation, construction, and long term investment strategies across a range of commercial property types. Loan requests are introduced to suitable institutional, Alt A, and private lenders based on asset characteristics, sponsor profile, and investment strategy. All financing is subject to lender underwriting, due diligence, and final approval.

AERDNA EIRAM Financial is not a bank or direct lender. We do not provide consumer financial products, residential owner occupied mortgage loans, or credit decisions. All financing programs, rates, terms, timelines, and conditions are subject to change and are determined solely by participating lenders.

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, credit unions, accountants, advisors, 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.

Your referral is welcome to apply for business capital through either of our application pages 24/7. Our team handles the funding process from start to finish. If you’d like to receive updates on your referral, 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 a referral fee based on the principal amount of the funded loan your referral secures and accepts. Referral fees are typically paid within 30 - 45 business days after the loan is finalized and funded.

For details or to discuss a specific referral scenario, contact us via 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.