Commercial Lending and Business Funding Programs.


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We have  30 years of commercial lending relationships, including but not limited to-  no doc to full doc programs,  440 credit  to 850 credit borrowers, we have bank money rates to soft money rates to hard money rates We use the financial strengths you provide to get you the best credit facility you can qualify for.

Questions to Consider

 Let’s start with a few questions to determine what business loan programs are available for you. you can borrow as little or as much of the capital that is available to you.
1. What type of business are you in?

2. How long in business?

3. Annual gross sales?

4. Can your business provide tax returns, show net -profit at year-end? Do you have personal tax returns showing net income?

5. What are your personal credit scores?

6. How many loans do you have out now? Debt schedule

7. Do you own real estate, equipment, accounts receivables?

8. Any previous defaults on loans? any bankruptcies? any tax liens?


With the above info, we will know how we can help you, please see below and attached for some of our lending programs.

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Commercial Real Estate Loan Request

Few questions

1. Is this a purchase or refinance?

2. Personal credit scores

3. Debt schedule?

4. Use of funds/Loan request

5. How much cash down on the purchase?

6.  Construction cost breakdown?

7. As-is value today vs after repaired value?

8. Exit to our loan? sale or refinance

9. Income from the property?

10. Projected income from property?

11.  If Land are entitlements completed?

12. Personal financial statement, possible cross collateral?

13. Experience?

14. If refinance, when did you buy, for how much $, any improvements made to date?

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We  offer speed, INTEGRITY, Reliability,  30 years of industry knowledge, and we love bank turndowns,

  • Business Term loans up to $25,000,000- Subject to cash flow, noi, time in business, credit as low as 660+-, deposits, liabilities, full doc
  •  Purchase order financing and contractor materials financing to $10,000,000.
  •  MCA/ACH consolidations
  • Commercial Real estate  bridge loans, Hard money, soft money,  land,  DIP,  renovations, etc  (1003 attached)
  • USDA loans to $10,000,000 6. Factoring, receivables, A/R- financing to 95% LTV
  • Inventory capital funding.
  • Equipment leasing one-page application  to $150,000. 620 scores, full doc TO  $10M- equipment sale-leaseback
  • Partner buyout to $5,000,000 to 100% of acquisition subject to DD and 1.25 DSCR .
  • Cash-flow Revenue Loans / ACH/MCA- credit as low as 440
  • Fix n Flip – to 90% loan to cost and up to 100% loan to cost on renovations  and  up 75% ARV with 80% of today As-Is Value
  •  Fix and Rent, to 75% loan-to-cost rates from 6.50%
  • SBA Programs: Our provider is a direct SBA portfolio lender with very efficient timing to close, we have 1.15 DSCR (others 1.25 DSCR)
  • Direct relationships with commercial real estate institutional take out lenders for stable properties, bank rates.
  • Apartment Financing (Affordable Housing) to 87% LTC as low as 3.78 % rates
  • LBO for qualified buy-out transactions with EBITA and assets to secure financing, seller subordination etc.
  • Accounts Receivable to 95% of invoice as low as 7.5% annual % rates** VERY STRONG COMPANY**
  • Import capital –  Capital Group to provide SBLC to $100,000,000  and logistics with warehousing, for approved transactions. (ie; order for  machine parts from China,  whereas client, needs capital to secure order,  with product sold to USA car manufacturing, SBLC could be provided.)

Unsecured Business  Credit lines, Term loans,  and Bank cards based on 680+ Credit scores

  • Start-ups ok, No income Required
  •  Seasoned High credit limits – with low utilization- low inquires for max leverage 
  • Like “Internet Pawn Shop”– We can liquidate Autos, gems, art, lender takes possession of the asset. You get Cash Fast!
  • CREDIT RESTORATION – No up-front money due – Negative items deleted in under 21 days,  payment due when negative items removed!
  • Federal Gov’t contact Mobilization capital for Seasoned and startup contract holders will be reviewed. Bank product full doc compliance.
  • High-risk merchant processing available.
  • NEW  FIX N FLIP- TO 100% LTC – including, fees, points, interest reserves, renovations, Joint Venture – Requires Experience and Location approval

NEW Vacant Commercial buildings can be financed based on  future market rents- to 80% LTV-  rates as low as 7.25 % with 720 credit

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NEW   1-4 units  SFR  Investor – Can be vacant – Non-owner occupied – to 80% LTV, rates as low as 6.5% with 720 scores and market rents.

  •  Accounts Receivable – No- Redirect, Non-Notification, No lockbox, credit lines.
  •  Equipment Sale Leaseback – No documents- No tax returns, no min credit requirements, only new appraisal forced liquidation value.
  •  Construction Mobilization Capital, Purchase order mobilization capital, Materials financing for construction jobs.
  •  Equipment Sale – Leaseback – No Credit requirements, No Financial covenants, No doc, Stated, up to 75% of forced liquidation value, new appraisal, and inspection required.
  •  No redirect, non-notification, no lockbox required credit line for accounts receivable
  •  Foreclosure Bailout for Commercial Properties 
  •  Inventory capital, financing against free and clear owned inventory 
  •  Start-up Capital – Unsecured- 680+ Credit, Stated and Full doc- 
  • Unsecured Term Loans, Credit lines, Monthly payments, Installment Loans, Start-ups ok, Credit score 680 and up


Please provide what is pertinent to your file- the more you can prove the better the rates, terms, leverage.


 To get Business Capital Funding

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1. Fully complete the Application, all questions with wet signatures.

2. 6 months bank statements, all pages, including any merchant processing, if seasonal 12 months bank statements

3. list of all advances and loans with payoff statements

4. list of all receivables, aging report, collection report

5. List of all equipment, when bought, for much money, and total liquidated value, serial numbers and model numbers.

6. Inventory, when it was purchased and for how much money, with sell-out value.

7. Profit and loss, Year-to-Date and Balance Sheet

8. Provide your credit scores, Try IdentityIq.com or MyFico.com to get your 3 bureau credit report.

9. List any financial problems, and previous turn downs, any bankruptcies, judgments or liens.

10. Provide a simple explanation letter for the use-of-funds and how this capital will improve your business.

11. Prove you have 2 years in business and with personal tax returns.

12. Please list of all your real estate holdings, when bought, the value today, any debt and leases.

13. Complete a personal financial statement.

14. Address any additional conditions that will be requested with a term sheet.

15. Invoices for new equipment purchases, or commercial real estate expenses.

Documents Needed

  • 1003 application 
  • bank statements
  • profit and loss
  • leases
  • rent roll
  •  use of funds
  •  loan request
  •  resume
  •  the credit of all borrowers 
  •  when bought and for how much and any improvements
  •  appraisal
  •  PFS- personal financial statement
  •  title report
  • . list of all debt
  •  PURCHASE  SALE AGREEMENT 
  •  PERSONAL TAX RETURNS AND IF TAX RETURNS AVAILABLE ON PURCHASE
  •  Soils report – If hard money or bridge EXIT
  •  Any construction or renovation budget
  •  IRS PAYMENT PLAN (if applicable) AND IN GOOD STANDING

 www.privacyguard.com  or www.experian.com  for 3 SCORE REPORT

Greg@FixandFlippers.com

Contact me to get started today!

Nationwide Private Bridge Loans Available


  • Quick Close options 1-2 weeks possible.
  • Funds for Improvements – Cashout for Investments OK!
  • Business Purpose use for Funds OK.
  • Bank Turndowns are OK
  • Bankruptcy is OK
  • No Docs
  • 12-24 months No-Prepay
  • Owner Occupied is OK – up to 5 yrs Fixed
  • Long-term hold loans for good credit & low rates (4%-7%)
  • Luxury Loans to $15,000,000
  • Interest reserves & Closing costs can be included in the loan if you have the equity for Fix and Flip only.
  • Refinance and Purchase loans Available
  • No Credit, No Doc, No Verified income for Foreign Nationals, living abroad is OK
  • No Tax Returns, Non-Warrantable Condo’s are OK
  • 30 yr fixed options are available
  • Stated Loans Available
  • No Source / Seasoning needed for loan approval
  • Cross Collateral structure funding with existing properties in portfolio
  • Current Renovation in Progress is OK.
  • Construction to Permanent is OK
  • Multi-Family, Commercial loans OK
  • Nationwide Lending, Case-by-Case Decisions based on complete scenario!

Leave Your Loan Request Inquiry Below Today!

Spring Loan Programs for Investors


Nationwide Fix and Flip Funding Programs:

NO CREDIT REPORT

NO BACKGROUND CHECK/UPPER COURT SEARCH

NO APPRAISAL

CLOSE IN 5 DAYS

ONLY PAY INTEREST ON OUTSTANDING BALANCE


LOWER RATES and MAXIMUM LEVERAGE to NEWBIES

Lender will fund up to 90% of purchase and 100% of rehab with no previous experience up to 75% ARV.

Below are the parameters for the financing program:
90% of Purchase
100% of Rehab
9-12% Interest
1-3 Points
12 month term
No PPP
Up to 75% ARV and 75% AIV
Min loan of $75,000 / Max loan of $5,000,000
Entity Borrowers Only
525 min Credit Score
NO HARD Credit Pull
NO Experience Required
Option for interest being charged only on funded balance
Option for NO PERSONAL GUARANTEE

East Coast Hard Money Loans

We fund 100% of construction and acquisition up to 65% of the ARV.  We can approve the same day and close in 24hrs. Normally we are about 1.167% per month for a 12 month note.  The money is 6 points at the table.  cash out refi investors and buy/hold/refi

Maryland, Philadelphia, PA, New Jersey, Virginia, Delaware, Washington, DC

Leave Your Loan Scenario Below

100% Financing up to 75% of ARV


financing

DIRECT PRIVATE MONEY LENDER 

(they lend their own money)

FOR EXPERIENCED FIX AND FLIPPERS 

Their exclusive private money 100% loan program empowers Fix and Flippers to acquire more properties and build their operation to any size they can successfully manage.

On a project-by-project basis, our exclusive loan structure requires little or no down payment from the Flipper/Borrower.

75
100% of COMBINED PURCHASE PRICE AND REHAB COST LOANS up to *75% LTV of ARV, 7-10 day funding, ALL project costs funded, NO upfront fees, NO prepayment penalties, NO FICO, Interest Only, 12 month term, Closing Costs and Loan Fees included in loan *No down payment required from Flipper/Borrower when total project costs (E.g., purchase price, rehab costs, closing costs, loans fees) do not exceed 75% LTV of ARV.

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**When all project costs exceed 75% LTV of ARV, the borrowers down payment is the difference between 75% LTV of ARV and the total project costs.

  • California ONLY
  • Residential ONLY
  • SFR 1-4 and Multi-Family

Asset Backed Lending 

  • 12 Month Loan Term
  • Fast 7-10 Day Funding
  • Interest Payments Reserved
  • NO Cross Collateral
  • NO Maximum Loan Amount
  • NO Up Front fees
  • NO FICO
  • NO Prepayment Penalties
  • NO Income Verification
  • NOO I/O Terms
  • Points and Interest Vary Per Loan