Small Business Finance

Business Types: business services, food and beverage, auto, plumbers, medical (doctors/dentists), manufacturing, software and technology companies, energy, distribution, transportation, and franchises.

Click Here to download Information and application.

Loan Types: expand inventory, add employees, equipment purchase, marketing costs, and repairs

Geography: Nationwide (certain products are only available in select markets)

Loan Size: $1,000 - $4,000,000

Loan Term: 6, 12, 18, 24, and 36 months

Time in Business: Most programs require one (1) or two (2) years in business with some requiring only six (6) months in business.

Minimum Revenue Qualification: $10,000 revenue per month.

Interest Rates: 4.99%, 9.99%, 17.99%, and 24.99% tiers.

Loan Fees: 2 -12%

Closing: 3 -15 days.

Amortization: Interest Only

Credit History: 500 minimum personal credit score. Business Credit also reviewed. Must be two (2) years removed from any foreclosure or discharged from personal/business bankruptcy. If any tax liens, must be in payment plan or satisfied.

Cash Flow Requirements: minimum average daily balance of $1,500 per month. Minimum volume of deposits per month $5,000 or higher with a minimum of 5 deposits per months. The business must have a consistent range in deposits and no more than two (2) negative ending days per month.

Documents Required: Following the initial screening questions, we will require a specific application for specific product, six (6) to 12 months bank statements, two (2) to three (3) years tax returns. Some programs may require recent quarter credit statements, YTD profit and loss, two (2) year proforma, and current balance sheet.

Required link to pull tri-merge credit reports:

http://www.experian.com/consumer-products/experian-equifax-transunion-credit-report-and-score.html

Now Is The Best Time to Apply, Qualify and Get an Approval-- Before You Need It!

Applying for Working Capital

The best time to apply and qualify for a working capital loan is when the business is doing well. I know that runs contrary to how most business owners think - only applying for working capital when there's a shortfall in cash flow. There's nothing wrong with that, those business owners make up many of our clients.

But others are not in cash-flow-straights - they are taking advantage of a strong business bank account to obtain more funds and make huge strides in growth and opportunity. These business owners know how to utilize their success at an opportune time to become more attractive to Lenders.

BLOC - The Business Line of Credit

• $50,000 to $1,000,000

• 24-month term

• Real Estate Collateral required

• No Minimum credit score

• 6-months minimum business history

• Interest-Only Payments

Traditional - Short Term Financing

• $10,000 to $2,000,000

• 6-month minimum term

• No Minimum credit score

• Daily or Weekly Payments

• Funding in as fast as a few business days

OTHER FINANCING PRODUCTS

Loans made with Accounts Receivables used as collateral*

Hard money loans for real estate investors doing flips/holds

Loans made with Hard Assets (diamonds/gold/luxury cars/etc) used as collateral

Stated Income Commercial Loans with FIXED RATES for Commercial Real Estate and Multi-Family

Small Business Finance

Small Business Finance

Click Here to download Information and application.

BLOC - The Business Line of Credit

OTHER FINANCING PRODUCTS

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