Commercial Lending and Business Funding Programs.


administration agreement banking blur

Photo by Matthias Zomer on Pexels.com

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.

abundance achievement bank banknotes

Photo by Pixabay on Pexels.com


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?

laptop office working men

Photo by Canva Studio on Pexels.com

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

men on brown scaffolding

Photo by Daria Sannikova on Pexels.com

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

person holding gray twist pen and white printer paper on brown wooden table

Photo by Cytonn Photography on Pexels.com


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!

Start Building Biz Credit with Easy Funding Program.


For Start-up or Established Biz

Benefits

  • Stop lowering your credit scores on business expenses.
  • Receive Up to $300k in 7-10 days!
  • Are you looking for funding that doesn’t report to the personal credit bureaus? This is it.
  • Maintain your good personal credit rating!
  • Company starts building your business credit profile
  • Raised over $50M with A+ BBB
  • Just need good credit, get your quote within 24 hours.

Term Loan

  • 5-7 Year Term
  • 7-12% interest rate (Based on personal credit rating)
  • Cash Deposited into account
  • Traditional Monthly Payment

Term Loan Criteria

  • 680+ credit scores
  • $50,000 or more in personal income the past two years

Business Lines of Credit

  • Revolving limit balance set up
  • 0% interest for 6-12 months
  • Stated income
  • Only reports to the business credit

Business Lines of Credit Criteria

  • 730+ Credit Scores
  • Must have a business

Get started today here – https://nationalcc.wufoo.com/forms/fix-and-flippers/

Unsecured Lines of Credit for Small Business Owners


Providing entrepreneurs with flexible funding needed to succeed
We can get you funding fast by leveraging the strength of your personal credit. Our in depth understanding of small business lending means we can provide lines of credit to new and growing businesses in as fast as 2 weeks.

small-business-money-278x300

About Our Credit Lines
• Grow your business with up to $200,000
• Flexible, only pay interest on funds you use
• Will not hurt your personal credit
• Easier to qualify for than normal loans
• Start fast, don’t miss opportunities
• Approvals in 2 business days
• Funding as fast as 10 business days
• Enjoy introductory rates as low as 0%

 

Open-for-Business-620x480
Common Uses
• Start a new business
• Market to new clients
• Acquiring new equipment or supplies
• Build a website, start online marketing
• Create great new products or services!

For our Unsecured Business Finance program it is an all-inclusive program consisting of obtaining the funding, building the credit profile for the business, and long-term consulting aspects for the client.  The consulting cost is normally 9.9% of the credit raised and its a one time fee.  Our clients use the business funding to pay for the program and this is done at the completion of the process.

For example:

Client obtains $100,000 of unsecured business credit.  The client is invoiced at 9.9% of the credit raised.  This would equate to a $9.900 invoice.

Call or Inquire to Get Started!

858-386-0949 | greg@fixandflippers.com

No Risk Small Business Loans in 24-48 hours! Easy to Qualify!


business-promotion

For as long as I can remember, I’ve been obsessed with small business; from my days as a young 12 year old bag-boy at the local IGA Grocery Store, I was mentored by the owner – John Patch who taught me customer service, money management, freedom and independence. He also owned a sports memorabilia store just steps away from his grocery store..he drove the vehicle I wanted and lived the lifestyle I wanted as well. So at that time I knew that business ownership was the only dream I could have.

images

As most of my friends can agree, being a business owner has been tough the past 6 years. It’s a constant juggling-act-roller coaster-ride, emotionally pushing you to your limits..but we all can also agree, when it’s good..it’s really good! And it’s worth it.

bill-hammond-quote-small-business-drives-our-economy-and-employs-80

Now, after a specialty lender approached me about their need to make loans (spend $10M) to small businesses, I can can my part to facilitate the current American Dream: A route to financial independence and freedom, by providing a cash injection up to $100,000, to build a strong foundation with a reasonable repayment system that encourages entrepreneurship and building your small business either brick and mortar or internet based. 

Not credit based OR asset based! 

Grow Banner

Unsecured business Loans up to $100,000

Use the loan for ANY Business Purpose

Limited Documentation

Great Repayment Terms

Daily Repayment to Avoid Large Monthly Payments

With the loan you could:

Buy New Equipment

Hire More People

Make Needed Repairs

Expand Your Store

Buy More Inventory

Increase Your Marketing

I might use the money to put down 10-20% toward a fix and flip loan..Use your Business to jumpstart your real estate investments.

Benefits:

No upfront Costs or Prepayment Penalties – No upfront fees to apply and no penalties for paying the loan back early.
Improves your Credit Score – Paying on time can improve your credit score
Daily Loan Repayment – Automated daily repayment means businesses don’t have to worry about managing cash flows to make months payment.

Grow Your Biz

9 12 month Term

Fast Access

How we Compare

24 48 hours

3 minute Application

Loan Requirements

Loan Product

Is Your Biz Eligible

Needed at Apply

Our Customers

Own and Operate You Biz

Restricted Industry List (sorry)

Adult Entertainment

Travel Agencies

Wireless Stores

Marijuana Dispensary

Attorney

Tax Preparer

Bankrupt Franchises (Quiznos)

Mobile Home Manufacturer

Non-Profits

Credit Repair Companies

Collection Agencies

Foreign Owned Corporation

Check Cashing Operations

Check Cashing Operations that Offer Preparation

In-Home Health Care

Auto Dealers

Trucking Companies

Marketing Companies

Real Estate Companies

Entities with Foreign Deposits Making up a Significant Portion of their Deposit Activities

Contact Me Today to Get Your Money!

Greg@FixandFlippers.com