Business Owners and Savvy Real Estate Investors
Business financing provides the funding businesses need to start, grow, and manage their operations. Whether you’re launching a new venture, expanding your team, purchasing equipment, or managing cash flow, the right financing solution can help you achieve your goals while maintaining financial flexibility.
- Healthcare: medical, dental, home healthcare, assisted living
- Construction: general contracting, HVAC, electrician, plumbing
- Restaurants
- Trucking/Transportation
- Retail
- Auto Repair
- Manufacturing
- Wholesale/Distribution
- Personal Services: nail salon, hair salon, barber, aesthetics/beauty
- Professional Services: accountant, attorney, insurance, real estate
Type Of Capital
Working Capital Loans . Business Line of Credit . Term Loans . SBA Loans . Equipment Financing . Commercial Real Estate Financing . Accounts Receivable Financing . Fix & Flip Financing . Franchise Financing . Residential Investment Property Financing
Working Capital Loans
Short-term financing designed to support cash flow and everyday operating expenses such as payroll, rent and inventory. It can also help a business manage seasonal fluctuations or pursue a growth opportunity.
- 4+ months in business
- $10,000+ monthly gross sales
- No minimum FICO
- What’s needed: Signed application, 4 months business bank statements
- Same-day funding
- Up to 10 year terms
- Amounts up to $5 million
- No use-of-funds limitations
- No collateral required
Business Line of Credit
A flexible, revolving financing option that allows a business to draw funds as needed. Interest is paid only on the amount borrowed: as balances are repaid, the credit becomes available again.
- 6+ months in business
- $10,000+ monthly gross sales
- 600+ minimum FICO
- What is needed: Signed application, 6 months business bank statements
- Same-day funding
- Amounts up to $5 million
- Flexible repayment terms
- Interest paid only on amount used
- Designed for cash flow management
Term Loans
Lump-sum financing repaid in fixed instalments over a defined period. Often used for major business expenses such as equipment purchases or expansion. Rates may be fixed or variable.
- 2+ years in business
- $10,000+ monthly gross sales
- 660+ minimum FICO
- What is needed: Signed application, 4 months business bank statements
- Funding in as little as 1-3 days
- Monthly payments available
- Traditional APR
- No prepayment penalties
SBA Loans
Government-backed business financing that can support business startup or expansion, subject to SBA eligibility standards, repayment ability, size requirements and an acceptable business purpose.
- 2+ years in business
- $120,000+ annual gross sales
- 675+ minimum FICO
- What’s needed: Signed application, 6 months business bank statements, SBA questionnaire, business debt schedule, 3 years personal/business tax returns, previous year + YTD P&L and balance sheet
- Approved in 24-48 hours
- Up to 25 year terms
- Amounts up to $5 million
- Government-backed funds
- Can refinance existing business debt
Equipment Financing
Loan or lease financing used to acquire tangible business assets. Examples include medical equipment, office furniture, production equipment and technology.
- No minimum time in business
- No minimum gross sales
- 580+ minimum FICO
- FICO may vary by equipment type
- What’s needed: Signed application, 4 months business bank statements (if applicable), invoice or quote for equipment
- Express funding in as little as 2 days
- Low or no down payment
- 1-5 year terms
- Amounts up to $5 million
- Monthly payments available
Commercial Real Estate Financing
Financing for real property intended for business use, including office buildings, retail locations, warehouses and industrial facilities. Transactions may involve acquiring, selling or leasing commercial property.
- 650+ minimum FICO
- Necessary property documentation
- Down payment
- What’s needed: Signed application, 6 months business bank statements, property details and address
- Potential for income generation
- Potential hedge against inflation
- Potential tax advantages
- Potential appreciation
Accounts Receivable Financing
Working capital financing based on outstanding invoices. A company may sell receivables to a financing source or use its accounts receivable as collateral for a loan.
- Aging report required
- $500,000 annual gross sales
- No minimum FICO
- What’s needed: Signed application, 4 months business bank statements, aging A/R & A/P report, active customer list
- Express funding in as little as 2 days
- Up to 10 year terms
- Amounts up to $5 million
- Lower interest rates
- Doesn’t require other collateral
Fix & Flip Financing
Short-term financing for real estate investors to purchase, renovate and resell properties. Funding is based in part on the property’s After Repair Value (ARV).
- 680+ minimum FICO
- 3 successful flips in the last 36 months
- What’s needed: Signed application, 4 months business bank statements, 3 most recent HUD-1 statements
- Rates starting at 8.99%
- Funding up to 80% of purchase price and 100% of rehab costs
- Monthly payments
- 1-4 unit properties non-owner occupied
Franchise Financing
Financing for franchisees to purchase or operate a franchise. Uses may include franchise fees, equipment, inventory, working capital and down payments.
- 6+ months in business
- $10,000+ monthly gross sales
- No minimum FICO
- What’s needed: Signed application, 4 months business bank statements, equipment invoice, if applicable
- Express funding in as little as 2 days
- Up to 10 year terms
- Amounts up to $5 million
- Flexible terms
Residential Investment Property Financing
Financing used to purchase an income-producing residential property (non-owner occupied), including properties acquired for renovation and subsequent rental income.
- Prior history
- Minimum property value of $250,000
- 650+ minimum FICO
- What’s needed: Signed application, 6 months business bank statements, property details and address
- Express funding in as little as 20 days
- Same-day pre-approval
- Rates starting at 8.99%
Contact us to discuss your capital needs!
All financing is subject to underwriting, valuation, credit approval, lender guidelines and final loan documentation. Maximum leverage is not guaranteed.
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