Your Challenge:

• You’ve done the work and now you wait to get paid.
• You must wait 30, 60, or 90 days to get invoices paid.
• Your business has grown so quickly that your cash flow is now compromised, despite good margins and profits.
• Your cash flow crunch prevents you from taking on additional work.
• Your credit may now be negatively impacted because of the above scenarios

Our Solution:

• Get paid up to 90% of your invoice within days instead of months.
• Shift all the responsibility of collecting your invoice to a lender.
• More weight is placed on the credit worthiness of who your business is invoicing, rather than your credit.
• Factoring allows your AR team to focus on taking care of business instead of on collections.
• Programs for most industries.

Ideal for:

Businesses that would be better served by having funds in their hands today versus months from today.  Businesses who have commercial or governmental customers.

Your Challenge:

• You’ve waited weeks or months, only to hear the bank say No.
• Your credit may have dropped during the waiting period & now you don’t qualify.
• Maybe you made a large purchase like a car or boat, now your debt load is too high.
• You have a small tax lien or judgement that was found during the background check.
• You are a small business owner and don’t show enough income on your tax return.

Our Solution:

• Up to a 90% loan-to-value on Fix & Flips.
• Interest only options that keep your cost low while you rehab a property.
• Terms range from 1yr, 2yr, 3yr, 8yr, 20yr, or even 30yr terms.
• Tax returns may not be required.
• Programs from $50,000 - $20,000,000

Ideal for:

Businesses or Investors having trouble getting financed through banks to purchase 1- 4 family homes, apartment buildings, mixed use, office space, shopping malls, warehouse or industrial.

Your Challenge:

• Your bank doesn’t like the type of equipment your purchasing.
• You are a new business owner and a bank isn’t willing to take a chance on you.
• You have a 30 day late on a credit card.
• You have a tax lien or judgement.

Our Solution:

• Programs for all levels of credit, scenarios, and dollar amounts.
• Terms up to 72 months for equipment.
• Financing from $500-$20,000,000
• Tax liens / judgements are no worries, especially if on a payment plan.
• Pull money out of equipment that you own free/clear.
• Most funding can occur within 5- 14 days after pre-approval.
• Programs for startups.

Ideal for:

Businesses looking for competitive rates & terms on equipment.

Your Challenge:

• You have a bunch of negative days in your business bank account.
• Your credit score is below 640 or you have a partner with lower credit.
• You are a seasonal business and currently have low cash flow.
• You just opened your business less than 2 years ago.
• Your business is considered a restricted industry.
• You need funding within 1-2 days.

Our Solution:

• Several negative days are allowed in your bank account.
• Funding offered down to credit scores of 450.
• Payback can be structured around your business’s seasonality.
• Minimum time in business is 3 months.
• Almost any industry funded.
• Possible quick funding within 1 day.

Ideal for:

Businesses that need funds quickly, have higher and more consistent bank deposits, and have been in business more than 6 months.

Your Challenge:

• Your local SBA lender turned you down.
• Your debt service coverage ratio is too low.
• You need to spread your loan over a term longer than 5 or 7 years.
• You don’t have the down payment required by your bank.
• You’ve been in business under 2 years.
• Your credit score is below 640.

Our Solution:

• We are partnered with many national Preferred SBA banks and non-banks.
• Lower debt service coverage ratio allowed.
• Terms can be spread over 10 -25 years, depending on use of funds.
• Some programs offer 100% financing, depending on industry.
• Startups are eligible for financing.
• Our programs may be able to go down to a 600 credit score, with a supporting story.

Ideal for:

Business owners who have strong credit, can wait for a longer loan process, and have been in business over 2 years.

Your Challenge:

• You have strong credit, but you are a startup
• You had unexpected expenses pop up.
• You have no collateral to pledge for a loan.
• You need funds for the short term.
• You operate a seasonal business, so your cash flow dips occasionally.

Our Solution:

• Receive a free consultation on what you qualify for.
• No upfront fees.
• Receive up to $150,000, depending on your credit profile.
• 0% for up to 18 months.
• Program only based on your personal credit.

Ideal for:

Startup businesses with strong credit or seasonal businesses.

Your Challenge:

Our Solution:

Ideal for: