Business Lending Services
Unlock the potential of your business with our comprehensive financing solutions.
We also can assist in any real estate matters even if you are not looking to buy or sell a business!
Let Us Help With Your Business Lending Needs
With our personalized approach and extensive network of lenders, we’ll guide you through the process and find the right financing solution to support your success. Take the next step toward financial growth and stability with our dedicated financing services.
Our full range of Business Lending options we specialize in includes:
Commercial Bridge Loans
A commercial bridge loan is a short-term financing solution used by businesses to bridge the gap between the immediate need for capital and the availability of longer-term financing or a permanent financing solution.
When are they useful?
These loans are typically used to finance the purchase of commercial real estate or to provide working capital during periods of transition, such as during a business acquisition or expansion.
Commercial bridge loans are characterized by their relatively short repayment terms, typically ranging from a few months to three years, and their quick approval process, which allows businesses to access funds rapidly.
These loans may be secured by the property being purchased or other assets owned by the business, and they often feature higher interest rates and fees compared to traditional bank loans.
Despite their higher costs, commercial bridge loans offer businesses flexibility and agility in addressing immediate financing needs while pursuing longer-term strategic objectives.
Equipment Leasing/Financing
Does your expanding business require additional equipment? We can help!
Our team can assist with leasing both new and used equipment. We can aid in financing auction purchases, pre-approvals, and sales leasebacks.
What are the advantages of equipment leasing for business owners?
Equipment leasing provides several advantages for businesses, including:
- Preservation of capital by avoiding large upfront investments
- Conservation of credit lines for other financing needs
- Flexibility in equipment upgrades and replacements
- Potential tax benefits from deductible lease payments
- Fixed monthly payments for easier budgeting and cash flow management
- Access to the latest technology without significant financial commitment
- Maintenance and support services provided by lessors
- The potential for off-balance sheet financing to improve financial ratios.
Overall, equipment leasing offers businesses a cost-effective and flexible solution to acquire necessary equipment while enhancing productivity and competitiveness.
Asset Backed Financing
Asset-backed lending is a form of financing where a borrower secures a loan by pledging assets as collateral. These assets typically include tangible assets such as inventory, equipment, real estate, or accounts receivable, which serve as security for the loan.
In asset-backed lending, the value of the collateral determines the amount of financing available to the borrower, rather than traditional underwriting criteria such as creditworthiness or cash flow.
For borrowers, it provides access to capital without the need for strong credit history or cash flow, making it particularly beneficial for businesses with seasonal or cyclical revenue streams, limited operating history, or growth opportunities.
Invoice Factoring
Invoice factoring, also known as accounts receivable factoring, is a financing solution where a business sells its accounts receivable (unpaid invoices) to a third-party financial company, known as a factor, at a discount. In exchange for immediate cash, the factor assumes responsibility for collecting payments from the business's customers. The factor typically advances a percentage of the invoice value upfront, typically ranging from 70% to 90%, and the remaining balance (minus fees) is paid to the business once the customer pays the invoice in full.
There are several benefits for businesses, including:
- Improved cash flow by converting accounts receivable into immediate cash, enabling businesses to meet short-term financial obligations, fund operations, or invest in growth opportunities.
- Eliminates the need to wait for customers to pay invoices, reducing the risk of late payments or bad debts and improving overall financial stability.
- Relatively easy to qualify for compared to traditional bank loans since the factor's decision is based primarily on the creditworthiness of the business's customers rather than the business itself.
- Efficient and flexible and financing solution for businesses looking to manage cash flow and accelerate growth.
Purchase Order Financing
Purchase order financing is a type of short-term funding that helps businesses fulfill large orders from customers or clients. It involves a lender providing financing to cover the cost of manufacturing or purchasing goods needed to fulfill a purchase order. The lender typically pays the supplier directly or provides a line of credit to the borrower to pay the supplier. Once the goods are delivered and accepted by the customer, the lender is repaid along with any fees or interest charges.
How is it beneficial for businesses?
Purchase order financing is useful for businesses that face cash flow constraints or lack the funds needed to fulfill large orders.
- It allows businesses to take on new opportunities for growth without depleting their working capital or taking on additional debt.
- Particularly beneficial for businesses with seasonal sales cycles, rapid growth, or limited access to traditional financing options.
- It provides flexibility and agility in meeting customer demand and fulfilling large orders, ultimately supporting business growth and expansion.
Mezzanine Financing
Mezzanine financing is a form of debt financing that combines elements of debt and equity, providing businesses with flexible capital to support growth, acquisitions, or other strategic initiatives. Mezzanine financing typically involves subordinated debt that ranks between senior debt and equity in terms of repayment priority and risk.
Mezzanine financing often includes equity participation features such as warrants or options, allowing lenders to potentially participate in the upside of the business's growth.
Who is it suitable for?
Established businesses with strong cash flows and growth potential, as it often offers higher leverage and longer repayment terms compared to traditional bank loans.
It's a flexible and cost-effective financing solution to fuel expansion and achieve strategic objectives, providing businesses with access to capital without diluting existing equity ownership.
Your Success is all That Matters
