Asset-Based Business loans are a type of financing where the loan is secured by the assets of the business. These assets can include accounts receivable, inventory, equipment, or real estate, which serve as collateral for the loan. Asset-based loans are particularly appealing to businesses that may not have strong cash flow or credit profiles but possess valuable assets. This form of financing allows companies to unlock the value of their assets to generate working capital, fund growth initiatives, or manage cash flow challenges.

Lenders offering asset-based loans typically conduct a thorough appraisal of the assets to determine their market value and assess the loan-to-value (LTV) ratio. The amount of the loan is often based on a percentage of the appraised value of the assets, with terms and conditions tailored to the specific needs of the business. These loans are often used by businesses in industries with significant tangible assets, such as manufacturing, retail, and distribution. Asset-based loans provide businesses with the flexibility to access funding quickly, often with fewer restrictions compared to traditional loans, making them an effective tool for companies looking to capitalize on their asset base for growth or operational stability.

SBA (Small Business Administration) loans are government-backed financing options designed to help small businesses grow, expand, and succeed. We specialize in connecting businesses with the right SBA loan products to meet their unique needs. Whether you're looking to purchase real estate, expand your operations, or refinance existing debt, our SBA loan programs offer flexible terms and competitive rates to help your business thrive.

Types of (SBA) Loans

Currently we provide (2) SBA Loans:

SBA 7(a) Loan Program

The SBA 7(a) loan is the most popular and versatile option, offering up to $5 million in funding for various business purposes. This loan can be used for working capital, purchasing equipment, acquiring or expanding a business, and refinancing existing debt. It provides flexible terms and competitive interest rates, making it an ideal choice for businesses looking to grow and sustain their operations.

SBA 504 Loan Program

The SBA 504 loan is specifically designed for businesses seeking to purchase or improve fixed assets, such as real estate, buildings, and heavy equipment. This program offers long-term, fixed-rate financing with loan amounts up to $5.5 million, making it a great option for businesses planning major capital expenditures or expansion projects.

Business Expansion & Acquisition Loans are financial products designed to help businesses grow and scale their operations, either by expanding their current business activities or by acquiring other businesses. These loans are particularly useful for companies that have reached a level of stability and profitability and are looking to increase their market share, enter new markets, or diversify their product or service offerings. The funds from these loans can be used for various purposes, such as purchasing new equipment, hiring additional staff, expanding physical locations, or acquiring a competitor or complementary business.

The process of obtaining a Business Expansion & Acquisition loan typically involves a detailed assessment of the business's financial health, growth potential, and the feasibility of the expansion or acquisition plan. Lenders will evaluate the company's cash flow, profitability, and creditworthiness, as well as the strategic rationale behind the expansion or acquisition. These loans can be structured in various ways, including term loans, lines of credit, or SBA (Small Business Administration) loans, depending on the size of the loan, the business's needs, and its financial profile. By securing a Business Expansion & Acquisition loan, businesses can leverage external funding to achieve their growth objectives, potentially leading to increased revenue, market dominance, and long-term success.

Whether your business requires heavy machinery, vehicles, advanced technology, or specialized equipment, our financing solutions are designed to provide you with the capital necessary to acquire these critical assets without depleting your cash reserves. We recognize that having the right equipment is not just a convenience but a fundamental component of your business's operational success and competitive edge.

To support your growth and efficiency, we offer customized equipment financing solutions that are crafted to meet your specific needs. Our financing options come with competitive rates, flexible repayment terms, and a streamlined approval process, allowing you to access the equipment you need quickly and affordably. Whether you’re looking to upgrade existing equipment, expand your fleet, or invest in cutting-edge technology, our solutions are tailored to empower your business.

A Business Line of Credit is a dynamic and flexible financing solution that empowers your business to access funds as needed, up to a predetermined credit limit, to address short-term cash flow needs or unexpected expenses. Unlike a traditional loan, where you receive a one-time lump sum, a line of credit allows you to draw funds as required, giving you the freedom to manage your finances more effectively. You only pay interest on the amount you actually use, making it a cost-efficient option for maintaining liquidity and operational flexibility. Our lines of credit come with flexible terms, competitive interest rates, and a quick approval process. Ideal for a wide range of business needs, whether you're covering payroll, purchasing inventory, managing seasonal fluctuations, or taking advantage of sudden growth opportunities. With a business line of credit, you can respond quickly to changing circumstances, ensuring that your business remains competitive and resilient.

Business working capital loans are essential financial tools that equip companies with the resources they need to effectively manage their daily operations, handle short-term expenses, and seize growth opportunities as they arise. We provide a comprehensive range of working capital loan options, each tailored to meet the specific financial requirements of your business. Whether you need to bridge a temporary cash flow gap, finance inventory, or invest in marketing initiatives, our diverse loan offerings ensure that you have the support necessary to maintain your business's stability and drive its success. By understanding the various types of working capital loans available, you can make informed decisions that align with your business’s unique needs. This knowledge empowers you to select the most suitable financing solution, giving your business the financial flexibility to not only survive but also to thrive in a competitive market.

An Industrial Commercial Real Estate Loan is a specialized financing solution to help businesses acquire, develop, or refinance industrial properties. Our tailored loan solutions are designed to support your business objectives, offering competitive rates, flexible terms, and expert guidance throughout the process.

Warehouses and Distribution Centers: Finance the acquisition, construction, or renovation of warehouses and distribution hubs that are vital to your supply chain.

Manufacturing Facilities: Secure funding for purchasing, expanding, or upgrading manufacturing plants to meet growing production demands.

Flex Space: Invest in versatile flex space properties that can accommodate a variety of industrial uses, from office space to light manufacturing.

Research and Development Facilities: Obtain financing for R&D properties, where innovation drives your business forward.

 Logistics Centers: Expand your logistics capabilities with loans tailored for transportation and distribution centers.

 Specialized Industrial Properties: Explore financing options for unique industrial properties that require specialized funding solutions.

(SBA) Small Business Administration Real Estate Loans are government-backed financing options designed to help small businesses purchase, renovate, or refinance commercial properties. We specialize in guiding businesses through the process of securing SBA loans, helping build equity and secure your business’s future.

 

SBA 504 Loan Program: Designed specifically for commercial real estate purchases and major equipment financing.

• Loan Amounts: Up to $5.5 million
• Use of Funds: Purchase of land or buildings, construction of new facilities, or renovation of existing facilities

• Terms: Up to 25 years for real estate

• Benefits: Fixed interest rates, low down payments, and long-term financing options
•  

SBA 7(a) Loan Program: The most versatile SBA loan option, offering financing for a variety of commercial real estate needs.

 

• Loan Amounts: Up to $5 million

• Use of Funds: Purchase, refinance, or renovate commercial real estate, as well as for working capital and other business expenses

• Terms: Up to 25 years for real estate

• Benefits: Flexible use of funds, competitive interest rates, and longer repayment terms

 

SBA 7(a) Small Loan: Offers quicker processing for smaller commercial real estate purchases.

 

• Loan Amounts: Up to $350,000

• Use of Funds: Purchase or refinance smaller commercial properties

• Terms: Up to 25 years for real estate

• • Benefits: Expedited processing, lower down payments, and flexible terms

Investing in real estate is a powerful way to build wealth and secure your financial future. We offer tailored mortgage solutions designed specifically for real estate investors.

 Conventional loans are a popular choice for investment properties. These loans are ideal for borrowers with strong credit and a substantial down payment, offering competitive rates and flexible terms.

Portfolio Loans If you’re a seasoned investor with multiple properties, portfolio loans allow you to finance several properties under one mortgage, simplifying management and lower costs.

Commercial Loans For larger, multi-family properties or mixed-use developments. These loans are designed for experienced investors and developers seeking to finance real estate projects.

Cash-Out Refinancing Tap into the equity of your existing investment properties with a cash-out refinance. Use the funds to purchase additional properties or renovate existing ones.

Interest-Only Loans provide lower monthly payments by allowing you to pay only the interest for a set period to maximize your cash flow during the initial stages of your investment.

Commercial Real Estate Rehab Loans are tailored financing solutions designed to help property owners and investors renovate, improve, or modernize commercial properties. If you’re looking to upgrade an outdated building, reposition a property or make necessary repairs, our rehab loans provide the capital to enhance the value of your real estate investment.

Bridge Loans Ideal for short-term financing needs, bridge loans provide the capital needed to complete renovations before refinancing or selling the property.

Construction Loans: Perfect for more extensive rehabilitation projects that require structural changes or major renovations.

Permanent Loans For completed rehab projects, permanent loans offer long-term financing to replace short-term rehab or construction loans.

Hard Money Loans are an alternative financing option for borrowers who need quick access to capital and may not qualify for traditional loans.