Working Capital

• Business Micro Loans - These are working capital loans typically funded from $5,000 to $35,000 and used for any business purpose
• Credit Card Receipt Advances - A cash advance loan up to a $100,000 line that is secured against your regular occurring monthly merchant credit receipts. the loan is paid back via automatic deduction from future credit card transactions.
• Sell Account Receivables - Your account receivables are purchased at a small discount and you get cash now.
• Business Credit Cards - These loans are unsecured and usually do not exceed $25,000. Loan limits are based on your personal credit score and NOT our time in business.
• Sale and Leaseback - Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax can be an issue here with this type of funding.

Commercial Financing

• Account Receivable Factoring - serves as collateral for short term working capital loans that you can obtain fast and cost effectively
• Asset Based Loan - seeks to convert a company's assets into working capital. Giving a security in an asset(s) in exchange for cash.
• Bankruptcy/Reorganization - is financing to reorganize a company in a turnaround. Typically secured by assets; equipment, inventory, A/R, PO's, etc.
• Expansion Financing - Growth has out paced existing business. Loan for existing demand. Key here is existing demand, not projected.
• Import and Export - Loans to promote the shipping or receiving of products or materials. Based on existing market, demand or orders.
• Inventory Loan - A loan typically made as part of a relationship where the lender will also provide retail financing for the product.
• Secured Credit Line - A pre-arranged amount of credit based upon existing inventory, A/R and PO's.
• Merchant Account advance - Up to a $100,000 advance against regular occurring monthly merchant receipts.

Equipment Finance Leasebacks

• Equipment Loan - Making of a loan using the equipment as collateral. Good operating history, credit rating, debt ratios are the keys.
• Equipment Leasing - Contract for a fixed period of time in exchange for payments, usually in the form of rent for equipment. Typically lower credit requirements.
• Municipal Equipment Leasing - A lease transaction with any government agency (i.e. Federal, State, County, City etc.)
• Equipment Sale and Leaseback - Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax an issue here.

Small Business Loans

• Micro Loans - $5,000 to $35,000 small business loans that can be used for any business purpose.
• 7A: SBA Loan Guaranty - Loans to small businesses from private-sector lenders (banks, etc.) which are guaranteed by the SBA. The SBA has no funds for direct lending.
• Franchise Financing - Specialized financing reserved for the franchise's of recognized, typically nationally know, franchises
• Certified Development SBA 504 - Loans to small businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. CDC's work with the SBA and private-sector lenders to provide the financing.
• Federal Export Assistance Loans - Export financing of U.S. goods and services through a variety of loan, guarantee, and insurance programs (Import-Export Bank Programs).

Equity Investments

• Equity Loan - Offer of an ownership position to induce the loan or can be a note that has an option to convert from debt to equity.
• First Round Funding - Typically funding that accommodates growth. Company may have finished R&D. Funding is often in the form of a convertible bond.
• Second Round Funding - Maturing company where a future leveraged buyout, merger or acquisition and/or initial public offering is a viable option.
• Later Stage - Mature company where funds are needed to support major expansion or new product development. Company is profitable or breakeven.
• Merger and Acquisition Funding - The combination of two companies, If one company survives, it is a merger. If both survive, it is an acquisition.
• Mezzanine Funding - Company's progress makes positioning for an initial Public Offering viable. Venture funds are used to support the IPO.
• Seed/Startup Funding - Earliest stage of business, typically no operating history, Investment is based on a business plan, the management group backgrounds along wit the market and financial projections.