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!

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.

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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%

 

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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

Vegas Office Program and Off Shore Entities


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As businesspersons we should always stay educated on tax reduction strategies, these are a few solutions.

We can always use an added layer of asset protection and privacy through corporate entities.

Consider choosing a Caribbean LLC, which allows for 1-person/member structure,U.S citizens can transfer assets to this single-member LLC without adverse tax effects. The government does not recognize foreign judgments.

In order to prove that you are doing business there, we can help.

Corporation Management Program

  • Formation of an Asset Protection Limited Liability Company (LLC)
  •  Offshore bank account in Class A top-rated bank (at time of incorporation)
  • Caribbean mailing address with mail forwarding
  • Caribbean telephone number answered by a live receptionist
  • Caribbean fax number
  • Annual registered agent fee
  • Annual government fee
  • Maintenance of bank accounts
  • Nominee directors & officers
  • Debit card (at time of incorporation) if provided by bank
  • Brokerage account application (at time of incorporation)
  • Online access to bank account
  • Power of attorney or equivalent document giving you 100% control

Package price $3999 (7-9 day delivery time)

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Belize LDC (LLC) (7-9 day delivery time)
$1495 (Can add Corporation Management Program for $2495)

Your existing company can be converted to an LDC. This can be done for favorable tax treatment because there is no tax at the company level.

U.S. people can file the IRS for 8832 and elect foreign disregarded entity status to ensure no US tax at the company level. Tax responsibility is passed to members of the company, this can result in the lowering of overall taxes.

There are many benefits offered by the Belize LDC. Including financial privacy, asset protection, lawsuit protection and favorable tax treatment.

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Nevada Corp + Nevada Office Program

Benefits:  Offers excellent asset protection and limited liability protections to its shareholders, officers, and directors & ultra-low state tax, privacy and confidentiality, a business and corporation-friendly environment. Nevada Corporations pay zero state income tax, franchise tax, capital stock tax, stock transfer tax, estate taxes, corporate income taxes, nor does it tax corporate shares. Your corporation would only be subject to Federal taxation.

Why? This is primarily because the Nevada legislative and judicial branches of government have proven quite corporate-friendly and savvy. Initially based at least partially on Delaware Corporate law, the Nevada legislators have taken the Nevada Corporate law even further with respect to high privacy and low taxation rights, as evidenced by their extensive corporate privacy and asset protection/limited liability statutes and regulations, and low to non-existent state taxation.

Unlike most other states in the union, Nevada has no information sharing agreement with the IRS and does not provide personal or corporate financial records to the IRS.

Nevada Corporate code has no residency requirements.  a Nevada Corporation owner can live in any other state, or can literally be a foreigner in another country. This is advantageous for those seeking to conduct business nationally, but wish to minimize their state income tax. However, in order to maximize on the tax reduction benefits of a Nevada corporation, the corporation must be a “resident” Corporation and must have a physical presence in Nevada.

 Example of Tax Savings: Individual A earned $50,0000 in income, that person would be liable for approximately $14,000 in taxes. If a C Corporation earned that same $50,0000 in net income, it would only be liable for $7,500. That is a huge difference.

 

Nevada Virtual Office
$1495 /year

Example: If you live in California and own a real estate company but want to minimize your tax liability and provide further protection for your assets, you might form a Nevada Corporation for your real estate company, then register in California as a foreign corporation. This is known as “foreign qualification,”

You may arrange for some of your business and investment profits to be paid directly to your Nevada Corporation to increase privacy and protect assets. This could be accomplished by establishing a Corporation in your home state, then another Corporation in Nevada to be used to do business and receive income from your home-state Corporation. The business in your home state can hire your corporation in Nevada for such things as management, consulting, or for the sale of business supplies, etc.

Another example: If you had substantial stock market investments, you could form a Nevada Limited Liability Company (“LLC”) to hold these investments. You can then arrange for your Corporation in Nevada to manage these investments, and pay “for management services rendered” fees to your corporation in Nevada from these investments via the LLC. All the while your name will not be registering as earning all of this passive, and expensively taxed, income.

In order to benefit from the maximum financial privacy, limited liability, and asset protections offered by your Nevada Corporation, it must meet certain “residency” requirements. You must be able to sufficiently prove that your corporation is a legitimate, operating business in Nevada.

To do so, it must pass these four simple tests:

  1.  Have a Nevada business address, with receipts, or supporting documentation as proof.
  2. Have a Nevada business telephone number.
  3. Have a Nevada business license
  4. Have a Nevada Bank account of some sort (checking, brokerage account, etc.).
  5. When opening an office, you would have to factor rent, staff, utilities, telephone and data services, employment taxes, supplies, and insurance. Let’s put these into “monthly cost” perspective:
Office Rent $1000
Staff $1500
Utilities $200
Tele-Data $100
Maintenance $100
Supplies $200
Employment Taxes $200
Insurance $200
Total: $3500
  1. Costs added up fast – $3,500 a month Multiply this figure by 12 = $42,000 a year
  2. But we have the sensible solution to meet your needs! We can accomplish all of this for your Corporation for as little as $1495 a year

Features Included in Nevada Office Program:

  • Professional Office and Actual Business Address (available by appointment) which are staffed by contracted people during regular business hours,
  • Live person answering your shared business telephone number
  • Real Nevada Fax number
  • Personalized mail forwarding service
  • Assistance with the opening of bank or brokerage accounts
  • Help applying for a Nevada business license
  • Notary service
  • Secretarial service
  • Privacy

Also Shelf Corps Available:

2-3 Year Old Established Company
Federal Tax ID Number
48 Hour Delivery to You (Of the established company)
Corporate Kit = Corporate Consulting Membership / Resolutions, Amendments, and Meeting Minutes. Services included
Initial Officer List State Filing Fee (Nevada Companies Only)
Filing as a Foreign Corporation in your Home State
Name Amendment
Certificate of Good Standing
Tax Consulting with CPA
Price $7,995