Commercial Finance Services
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Our Commercial Financial Services
Although we are well known as nationwide purchasers of owner carry-back mortgage notes, we additionally provide a suite of other important commercial finance services for our clientele including invoice factoring, revolving lines of credit for inventory finance, SBA loans, equipment leasing, and even export trade finance. Explore our capabilites.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Accounts Receivable Invoice Factoring
Worldwide, trillions of dollars of factoring services are provided to B2B business operators each and every year. In fact, factoring has been recognized as an “essential business financial service” by the world’s central banks (such as our own Federal Reserve) and the reason is simple. There is no other method of commercial finance that can be brought to bear so quickly which helps so many types of business entities with their cash flow problems as factoring. With a factoring relationship in place, your business can have the ready cash for payroll, taxes, inventory, and more and still grant liberal terms of payment to your customers. You can explore factoring for your business with our FREE Factoring Guide available from our contact page.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Inventory Finance
Asset-based Lending is a powerful source of commercial finance with a number of unique characteristics. It is a method of financing accounts, inventory, and equipment through a revolving line of credit. As a source of working capital, it directly meets the needs of:
- rapidly growing companies.
- undercapitalized middle stage companies.
- companies involved in leveraged buyouts.
- companies operating in financial distress.
Asset-based lenders provide credit to a broad array of businesses both large and small. In most instances, asset-based lending is employed when the rapid growth of a business outpaces its capitalization.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
SBA Small Business Loans
For U.S-based entrepreneurs and business owners, the U.S. Small Business Administration (SBA) represents an extremely important source of both short and long-term loans for small business owners who are, for whatever reason, unable to secure traditional bank financing. It is important to understand that the SBA is NOT a direct lender and does not actually originate loans. Instead, the SBA provides loan guarantees for designated and approved lending institutions (often community banks) who will then provide financing for small business owners with what is termed an SBA credit enhancement. Our experienced SBA loan underwriters can assist your small business in navigating the complexities involved in SBA finance.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Equipment Leasing
For many business owners, leasing is a primary part of the capital budgeting process and a popular alternative to more traditional types of business financing for purchases of new equipment. Additionally, refinancing existing equipment through the process of leasing also offers a viable method for restructuring and recapitalization, allowing companies to utilize their working capital more effectively.
Financially educated business owners recognize that utilizing the leasing alternative can improve their company’s balance sheet and help to preserve it’s borrowing capacity. In addition to preserving such borrowing capacity, equipment leasing often provides the additional benefit of reducing a company’s tax liability, especially if the company uses a great deal of tax depreciation.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Export Trade Finance
Import-Export Trade Finance is big business with the United States accounting for well over $1.65 trillion in goods and services exports in 2019. Statistically, over ninety-five percent of the world’s consumers live outside of the United States. While the opportunities available to U.S. business owners regarding exporting are clear, export trade does carry its own unique forms of additional risks when doing business cross borders which include customer credit risk, currency devaluation risk, and political risk. Since getting paid in full and on a timely basis is primary goal for exporters on each and every export sale, it is obviously that fully understanding the benefits of such things as international factoring and purchase order financing are very important and we are knowledgeable experts in these transactions.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Purchase Order Finance
Purchase order finance is a companion product to factoring and is commonly used to provide funding for the actual manufacturing of goods so they can be delivered against a “firm” order by a credit worthy company. Once the goods are manufactured and delivered, an invoice is generated that can then be factored with a portion of the advance from factoring being used to pay back the financing extended for the purchase order finance.
Purchase order finance typically involves the posting of a letter of credit which the manufacturer can draw upon through it’s bank. Once the finished goods are delivered to the freight forwarder for shipping, the letter of credit is triggered and the funds paid to the manufacturer.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Real Estate Commission Advance
The factoring of commissions due agents from sales of real estate is a relatively new area of specialization for certain factors. While it slightly breaks the standard rule of B2B for only non-consumer related transactions, it is looked upon as a valid factoring niche by the factoring industry anyway. In the real estate industry, this type of factoring transaction is referred to simply as a commission advance and has become quite common in large real estate agencies. It is very beneficial to sales people who often experience many peaks and valleys regarding income. Commission advances help to smooth out income droughts when sales are slow. Real estate agent commission advances are now one of the fastest growing segments of factoring. Agents, contact us for a commission advance.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Financing in Bankruptcy
Factoring is one of the few methods of financing readily available to small business owners struggling to re-establish their business through a Chapter 11 bankruptcy or reorganization. While such “restructuring” of debt is commonly provided through the asset-based lending community for larger business entities, small business operators are only served by the factoring community.
Bankruptcy factoring or “DIP” financing (Debtor-In-Possession), is a unique niche area of factoring which requires a high degree of due diligence and additional legal processes not found in everyday factoring transactions. Because of these additional requirements, all factors do not provide service in this particular niche area.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Merchant Cash Advance
A Merchant Cash Advance and its related ACH Advance are lump sum advances of immediate cash which is repaid with a percentage of the borrower’s future credit card or other retail sales. Although considered an expensive form of financing, Merchant Cash and ACH Advances are often readily accessible sources of working capital when other options are simply not available.
Merchant Cash and related ACH advances are often used by such businesses as restaurants, auto repair facilities, exercise facilities, karate dojos, convenience stores, and other small businesses with needs for expansion capital or equipment.
As a member of the International Association of Commercial Finance Brokers, we enjoy access to over 500 commercial lenders which guarantee that we can find the right lender for virtually any business need.
Business Note Cash Outs
In addition to being nationwide purchasers of real estate mortgage notes, we are additionally buyers of Seller Financed Private Business Notes. Seller Financed Business Notes are promissory notes held by the seller of a business and payable by a new, creditworthy owner. Often, such notes are the result of one business partner buying out another. Our expert contract buyers can provide holders of Business Notes secured by the assets of a business and the personal guarantee of the owner with a Lump Sum Promissory Note Cash Out which can be used for any purpose.
Financial Solutions for You
As members of the International Association of Commercial Finance Brokers (IACFB), we can assist our valued clients in securing both the commercial and consumer financing they need and deserve. If you are currently experiencing a financial problem personally or in your business, it’s likely we can help. To find out how and explore your options, simply complete our contact form by clicking the button below. A member of our courteous staff withh be in touch with you within 24 hours!