If your business wholesales to other established businesses that don’t always pay their invoices promptly a revolving line of credit based on an accounts receivable advance can provide a cushion at desirable terms and is the perfect solution. Simply put, these advances are payments made to you using your accounts receivable incoming payments as the basis of repayment.  Accounts receivable factoring / selling off your accounts receivable is an additional option if such a transaction meets your business’s needs.   Both options can be highly desirable financing options as it is often easier to secure than traditional loans, especially for companies with less established credit histories.

Commercial property types can range from apartment projects to office buildings and warehouses or just about anything in between.  Paper commercial loans offer the most conducive terms and are usually just fractionally higher than those offered on owner-occupied residential transactions.  For the most conducive terms, the property should have no obvious deferred maintenance with historic building income available with borrowers/guarantors adding additional strength to the transaction.  

Should one or all of these components not be present the perfect temporary solution is a private/hard money transaction available for both purchases and refinances.  Although terms are fractionally higher than the A or A- Commercial lending counterpart private money provides the additional funds needed for repairs, renovations, and also allows the additional time needed to establish historic income or increase borrowers/guarantors' strength on paper.

Do you know how much your present credit card processing company charges?  We believe we can save you a substantial amount of money.  No matter the current provider consideration must always be given to costs and fees but also the level of service and support you may not presently be receiving.

Equipment lending for businesses involves us providing financing to acquire or lease machinery, tools, or other essential equipment. We can help your businesses grow, upgrade, or replace your older assets without going out of pocket with large upfront investments.

Generally, most banks would rather charge fees than provide any type of unsecured or business financing.  This is especially true when the business owners’ credit history is below par or perhaps there’s an inability to produce several years of financials, tax returns, and various additional historical income.  Fortunately, MCAs are not credit score-driven and are based on only six months of business cash flow to determine the ability to repay.  If the last six months’ bank and merchant account activity reflects a consistency of deposits proceeds can usually be wired into your business account within in three to five days from the date of application.

We offer expert, personalized, and experienced assistance in both the purchase and refinance of commercial property at terms usually superior and loan-to-value ranges higher than standard commercial loans.  Loan purposes and use of funds can include the purchase of an existing business, purchase of commercial real estate, property improvements, bids, proposals, and invoices for any business-related needs including equipment, inventory, and supplies along with the consolidation of any business-related debt.  Refinancing of a higher interest mortgage is both allowed as well as highly recommended for purposes of money-saving rate reductions and can also include business debt consolidation, property improvements, as well as purchases of additional inventory, supplies or equipment with almost every type of bid, proposal, invoice or estimate allowable.  

     GUIDELINES:   There can be no federal loan defaults, credit scoring must be at standard levels, the ability to repay the loan must be based on historic business income and the subject property must be at least 50% owner user.  

With stable business income and a reasonable credit history we are fully able to assist in the origination of an unsecured business line of credit.  Due to the current financial environment most commercial banks must maintain higher levels of liquidity and are rarely able to provide this type of financing even for their preferred clients.

It would be our pleasure to assist and would be delighted to support you with all your business’s financial needs.