For Businesses Where the Owner Can Provide Collateral
401k Plan Financing
401(k) financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401(k) plan or IRA. In as little as 2 weeks you can invest a portion of your retirement funds into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth.
In many cases, you can secure a low interest credit line or loan for 100% of your current 401(k) value.
Book of Business Financing
Insurance agents can get low interest, long term financing using renewable commissions as collateral. With book of business financing, you can get approval for a three to ten year loan or credit line for your insurance business, even with average credit. All you need to qualify is a book of business of renewable commissions. You can even use the book of business for the insurance agency you are buying as collateral for approval.
Commercial Real Estate Financing
We offer commercial real estate financing ranging from $100,000 – 20,000,000. You can use it for refinancing a property, even if doing a cash out refinance. Maximum LTV 70%. Loan to values range from 55 – 65% depending on the purpose of the loan. Our funding programs include conventional property financing, money for investment properties, and hard money loans, bridge loans, and loans to buy commercial real estate. Your clients can also get SBA loans. Renovations get a loan to value of up to 60%.
Equipment Financing and Leasing
We offer equipment financing and leasing programs for companies with at least one year in business. Get approval even with challenged credit, as low as a 640 personal credit score. You won’t need financials to secure equipment financing. Approvals take as little as 24 hours. You can get as much as $10,000,000 in equipment financing.
House Reseller Financing
Get approval for 100% of the financing you need to buy and rehab residential properties. With house reseller financing, lenders will verify that the amount you are requesting is 65% or less of the after-repair value of the property. Get a short term loan of six months, or get extended terms upon request. There is no prepayment penalty, so you can sell the home faster and pay off the entire loan without any cost to you whatsoever.
With our inventory financing program, you can get a low rate credit line using your current inventory as collateral. Secure a credit line for 50% of your current inventory value if your inventory is worth $500,000 or higher. Get approval for a line with low rates, regardless of your personal credit quality.
Securities-Based Line of Credit
With securities-based financing, new or existing businesses and franchises can leverage assets that are currently in stocks or bonds to get a low interest credit line. In as little as 2 weeks you can invest a portion of your stocks or bonds into your business, giving you more control over the performance of your retirement plan assets and the working capital you need for business growth. Get a low interest credit line for as much as 90% of the value of your securities. Most stocks and bonds are accepted. You keep all the interest and appreciation from your securities. There is no prepayment penalty, and the securities remain in your name.
Stocks, Bonds, Other Securities
Discover your funding options from alternative lenders and investors.
For Businesses Where the Owner Can Provide Collateral, Can Prove Cash Flow, and Has Good Personal Credit
Small Business Administration (SBA) Loans
Established businesses with tax returns showing good revenues and profitability can get very large sums with Secured Small Business Loans from the Small Business Administration. SBA loans can go up to $5,000,000. SBA offers several programs including 504 and 7(a) loans. Use SBA programs for many purposes including buying a new business, partner buyouts, real estate acquisition, and even working capital.
SBA loans offer some of the longest payback terms available for business financing. You can secure loans for 10, 15, even 20 years with SBA, and get one of their popular CAPLines. In many cases interest rates are as low as 5 – 6% on the financing you secure.
Term loans are what we tend to think of when we have bank loans in mind. A term loan provides borrowers with a lump sum of cash upfront in exchange for specific borrowing terms. Term loans are normally meant for established small businesses with sound financial statements. In exchange for a specified amount of cash, the borrower agrees to a certain repayment schedule with a fixed or floating interest rate. Term loans may require substantial down payments to reduce the payment amounts and the total cost of the loan.