Lending

OUR EXPERIENCE

SECURE BUSINESS FUNDING & SECURE PEACE OF MIND.

One of the first steps to choosing the best financial assistance for your business is educating yourself on the different types of available business funding. Business loans come in many different forms and create the opportunity to start, expand, or keep businesses afloat with additional funding. With over 35 years of lending experience, our trusted capital partner can help your small or mid-sized business achieve its financial goals.

Traditional thought says the best business loans are provided by banks. However, there are many businesses who don’t qualify for the traditional route. If you’re looking for small business funding,you may have a hard time qualifying for conventional business loans. This may be because of a bad business credit score, lack of business history, or a number of other factors.
Just because you don’t qualify for traditional business term loans doesn’t mean you’re out of luck. Alternative business funding options are available. It’s important to explore all the types of business loans available to decide what’s best for your business.

OUR EXPERIENCE

SECURE BUSINESS FUNDING & SECURE PEACE OF MIND.

One of the first steps to choosing the best financial assistance for your business is educating yourself on the different types of available business funding. Business loans come in many different forms and create the opportunity to start, expand, or keep businesses afloat with additional funding. With over 35 years of lending experience, our trusted capital partner can help your small or mid-sized business achieve its financial goals.

Traditional thought says the best business loans are provided by banks. However, there are many businesses who don’t qualify for the traditional route. If you’re looking for small business funding,you may have a hard time qualifying for conventional business loans. This may be because of a bad business credit score, lack of business history, or a number of other factors.
Just because you don’t qualify for traditional business term loans doesn’t mean you’re out of luck. Alternative business funding options are available. It’s important to explore all the types of business loans available to decide what’s best for your business.

Find the Right Funding for You

Different types of business loans vary by aspects like term length, funding amount, interest, and repayment structure. With extensive industry experience and comprehensive knowledge of the types of business funding available, we help companies large and small choose the best business loans for their unique situation. Securing a business loan is no small matter, so taking the time to determine which type of business funding is best for your business will help you decide what to apply for.

Find the Right Funding for You

Different types of business loans vary by aspects like term length, funding amount, interest, and repayment structure. With extensive industry experience and comprehensive knowledge of the types of business funding available, we help companies large and small choose the best business loans for their unique situation. Securing a business loan is no small matter, so taking the time to determine which type of business funding is best for your business will help you decide what to apply for.

Find the Right Funding for You

Different types of business loans vary by aspects like term length, funding amount, interest, and repayment structure. With extensive industry experience and comprehensive knowledge of the types of business funding available, we help companies large and small choose the best business loans for their unique situation. Securing a business loan is no small matter, so taking the time to determine which type of business funding is best for your business will help you decide what to apply for.

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Merchant Cash Advance

This is a popular financing option if your business does not qualify for a traditional business loan. With a merchant cash advance loan, your business enters into a sales agreement with a provider where you sell the future revenue of your business at a discounted price for an immediate lump sum of cash. Repayment structures for this type of business funding depend entirely on business flow and fluctuating sales.

BUSINESS LINE OF CREDIT

Business line of credit loans allow you access to a specific amount of funds for ongoing operational expenses. They come in both short-term and medium-term options varying from six months to five years. Paying the full balance each month is essential or borrowers may be subject to extremely high-interest charges.

EQUIPMENT FINANCING

These types of business loans are used specifically to purchase equipment for your business. Equipment financing is considered less risky to lenders because they offer built-in collateral. If your business needs specific equipment or technology rather than a lump sum of tangible cash, this may be the option for you.

TERM LOANS

This type of financing is backed by collateral that you own, such as equipment, real estate, inventory, or other assets. The loan agreement will state that the money provided to the business owner is secured by the assets put up and will be repaid by the borrower in cash or the physical assets will be taken as repayment. Asset based loans are considered secured funding and so typically have lower interest rates than other financing options.

Merchant Cash Advance

This is a popular financing option if your business does not qualify for a traditional business loan. With a merchant cash advance loan, your business enters into a sales agreement with a provider where you sell the future revenue of your business at a discounted price for an immediate lump sum of cash. Repayment structures for this type of business funding depend entirely on business flow and fluctuating sales.

Business Line of Credit

Business line of credit loans allow you access to a specific amount of funds for ongoing operational expenses. They come in both short-term and medium-term options varying from six months to five years. Paying the full balance each month is essential or borrowers may be subject to extremely high-interest charges.

Equipment Financing

These types of business loans are used specifically to purchase equipment for your business. Equipment financing is considered less risky to lenders because they offer built-in collateral. If your business needs specific equipment or technology rather than a lump sum of tangible cash, this may be the option for you.

Term Loans

This type of financing is backed by collateral that you own, such as equipment, real estate, inventory, or other assets. The loan agreement will state that the money provided to the business owner is secured by the assets put up and will be repaid by the borrower in cash or the physical assets will be taken as repayment. Asset based loans are considered secured funding and so typically have lower interest rates than other financing options.

Working Capital

The most common business challenge today is paying operating expenses. As a business owner, you know working capital is the money that a business needs, right now, to cover all of its short-term expenses and continue to operate. If traditional banks won’t approve you for a term loan , small businesses often turn to working capital loans.

Commercial Real Estate Loans

If you’re unable to put up collateral, you may not qualify for traditional, fast business funding. Unsecured loans offer you financing without the need for collateral. This alternative business lending solution is perfect for businesses that are just starting out.

Benefits of Small Business Funding

Many times, companies are wary of securing small business funding because they’re worried they won’t qualify for a traditional business loan. Business loans of all types help businesses secure the capital they need to cover expenses, grow their business, and purchase necessary equipment to expand and continue operations. Businesses looking for quick, easy, and affordable financing can find the most suitable business funding for their situation with just enough research.

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