Contact Pennysdream Inc

Let's discuss how we can fuel your business growth

Get in Touch

Contact Information

Our Office

8209 Willow Branch Drive
Waxhaw, NC 28173

Email

penny@pennys-dream.com

We typically respond within 24 hours

Business Hours

Monday – Friday: 9:00 AM – 6:00 PM EST
Saturday: By appointment
Sunday: Closed

Serving

Businesses across North Carolina and nationwide. Licensed direct business lender providing flexible financing solutions.

Frequently Asked Questions

How quickly can I get funded?

For working capital and revenue-based financing, we can often provide a decision within 24-48 hours and fund within 2-5 business days. Equipment and real estate financing may take slightly longer due to additional due diligence.

What credit score do I need?

We consider your full business profile, not just credit score. While we do review personal and business credit, we also evaluate revenue trends, industry dynamics, and management strength. Many of our clients have been turned down by traditional banks but qualified with us.

Do you require collateral?

It depends on the product and amount. Many of our working capital and revenue-based financing deals are unsecured. Equipment financing is typically secured by the equipment itself. Commercial real estate loans are secured by the property.

What industries do you serve?

We work with businesses across most industries: professional services, healthcare, manufacturing, retail, e-commerce, construction, hospitality, and more. We evaluate each business on its own merits rather than applying blanket industry restrictions.

Are there prepayment penalties?

Our standard working capital and revenue-based products typically do not have prepayment penalties. Equipment and real estate loans may have early payoff provisions depending on the term and structure. We disclose all terms upfront during the application process.