FINANCE SOLUTIONS

COMMERCIAL LOANS

We provide a wide array of finance products to suit the acquisition, expansion or refinance of the individual or business property. Loan amounts from $100,000 to $50, 000, 000 with a variety of terms and programs suited to your particular situation. Financing for:

•   Multi Family/Apt Complexes - 5 or more single-family units

•   Office-Retail-Warehouse Facilities

•   Mixed Use Properties -residential and commercial components

•   Restaurant and Bar Properties

•   Hotels/Motels

•   Special Purpose -golf courses, marinas, mobile home parks,

•   Automotive + Marine Services - dealerships, body repair, service

•   Medical Professionals - practice startup, acquisition, expansion + R.E.

•   Construction and Land Development Loans, Mortgages

EQUIPMENT LEASING

Go to Equipment Leasing and Finance page. 

EQUIPMENT FINANCE AGREEMENT (EFA)

This finance vehicle is gaining in popularity due to the similar rates and characteristics of equipment leasing but with one main difference. It allows you the option to buy-out early, without paying the balance of interest not unlike a loan. This is only available thru a couple of our funding sources to over 2 year old businesses with good credit.  Call for specific details.

ASSET BASED LOANS

Collateralizing inventory or accounts receivable to finance rapid growth or equipment acquisition when cash flow is hampered by seasonal needs or industry cycles. Typically utilized by manufacturers, distributors and service companies. Generally, more costly than loans and leasing. Sale Lease-Back loans are a fast and effective finance vehicle to generate immediate cash by collateralizing your company’s existing free and clear equipment.

BUYOUTS, MERGERS AND ACQUISITIONS

Business buyout or acquisition parameters dependant whether its a current partner, key manager, or outside the company. General requirements are at least 3 years of industry experience, 10%-30% of equity injection, some which may be borrowed, and stable or growing sales trend for past 2 years. Loan-to-value ratios may be low to none under $1,000,000 and a debt service ratio varies by industry.

HARD MONEY/BRIDGE LOANS

If you can’t find a traditional lender to meet your odd financing requirements, or if close to foreclosure or bankruptcy, this may your only alternative. These are real estate collateralized loans, with LTV of 50%-70%, and higher interest rates and fees with quick turnaround that can make a bad situation better.

VENTURE CAPITAL

Get the business capital you need without loan payments, without interest and without using your personal or company assets as collateral. Raise business capital without adding debt to your company's bottom line. By raising business capital from an equity position, you won't burden your company with debt. Not available for start up or new companies.

MEDICAL EQUIPMENT LEASING, TEST EQUIPMENT LEASING, SMALL BUSINESS

EQUIPMENT LEASING, CONSTRUCTION EQUIPMENT LEASING, START-UPS