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Term Loans
A term loan provides borrowers with a lump sum of cash upfront in exchange for specific borrowing terms. Term loans are normally meant for established small businesses with sound financial statements. In exchange for a specified amount of cash, the borrower agrees to a certain repayment schedule with a fixed or floating interest rate. Term loans may require substantial down payments to reduce the payment amounts and the total cost of the loan.
Bridge Loans
A bridge loan is a short-term loan used to bridge the gap between buying a home and selling your previous one. Sometimes you want to buy before you sell, meaning you don't have the profit from the sale to apply to your new home's down payment.
Small Business Administration Loans
An SBA loan is a small-business loan that can help cover startup costs, working capital needs, expansions, real estate purchases and more. This type of financing is issued by a private lender but backed by the federal government.
Asset Based Lending
Asset-based lending is the business of loaning money in an agreement that is secured by collateral. An asset-based loan or line of credit may be secured by inventory, accounts receivable, equipment, or other property owned by the borrower.
The asset-based lending industry serves business, not consumers. It is also known as asset-based financing.
Lines Of Credit
A line of credit is a flexible loan from a financial institution that consists of a defined amount of money that you can access as needed. You can repay what you borrow from a line of credit immediately or over time in regular minimum payments. Interest is charged on a line of credit as soon as money is borrowed.
Merchant Cash Advance
A merchant cash advance is a business funding option that you can repay using a percentage of sales, plus a small fee. It's best for small businesses that accept card payments from their customers. You only repay the loan as more cash flows into your business.
Purchase Order Financing
Purchase order financing is a cash advance that small-business owners can receive on their purchase orders. With PO financing, a lender will pay your third-party supplier up to 100% of the costs required to produce and deliver the agreed-upon goods to your customer.
Accounts Receivable Financing
Accounts receivable financing allows companies to receive early payment on their outstanding invoices. A company using accounts receivable financing commits some, or all, of its outstanding invoices to a funder for early payment, in return for a fee.
Invoice Factoring
Invoice factoring involves selling unpaid invoices to a third-party company so that a business can improve its cash flow in order to fund operations or pursue growth opportunities.
Inventory Financing
Inventory financing allows you to borrow against some or all of your inventory. Lenders will estimate the sales value of your products, provide a loan amount based on that value, and establish a repayment schedule. You will receive your inventory back for sale if you repay the loan on time and in full.
Traditional Merchant Processing
Merchant processing is the acceptance, processing, and settlement of payment transactions for merchants. A bank that contracts with (or acquires) merchants is called an acquiring bank, merchant bank, or acquirer.
High Risk Merchant Processing
A high-risk merchant is one that has been judged by a processor or bank to present an increased level of risk for chargebacks and fraud. This may be because the merchant operates in a high-risk industry, sells products or services that experience a high level of chargebacks, or is prone to fraudulent transactions.
Commercial Real Estate Bridge Loan
Commercial bridging, also known as a commercial bridge loan is lending on commercial property, such as offices, retail units or industrial premises. It can also be used by those who want to purchase or refinance larger or more complex residential properties.
Commercial Real Estate Permanent Loan
Permanent Loans are first mortgages on a commercial property. A permanent loan must have some amortization and a term of at least five years written into the contract. SBA Loans are written by traditional and non-traditional lenders but are guaranteed by the SBA
