Types of Business Loans We Offer
We offer a full-range of business and commercial financing options.
Standard business loans with a maturity rate. Term loans are provided by banks, community lenders, SBA lenders, credit unions, asset based lenders and alternative lenders.
Provided by banks and conventional lenders in which the Small Business Administration participates by agreeing to cover SBA lender’s losses should the borrower fail to repay the loan.
LINE OF CREDIT
Pre-approved business financing accessed as needed, and only pay interest on what the business uses. Offered by banks, alternative lenders and asset based lenders.
Often referred to as mid prime business loans, a FinTech loan or line of credit provides financing to small companies who need affordable rates, easy approval process and fast funding.
ASSET BASED FINANCING
Loans using the company’s assets as collateral to secure financing. Collateral can include commercial and personal real estate, accounts receivable, equipment and or inventory.
MERCHANT CASH ADVANCES
Sale of a merchant’s future credit card transactions in return for immediate
cash financing. MCA collects repayments each day by taking a percentage of small business’s credit card transaction
Financing used to help a business meet its obligations while waiting on permanent equity or debt financing,
or while waiting for receivables to clear. Can be used for working capital or real estate.
A way for companies to obtain business equipment by leasing rather than having to pay the full cost of the equipment. Leasing company purchases equipment
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Helping small businesses succeed through sustainable finance by making S.M.A.R.T. financial decisions.
To understand our customers financial needs and provide solutions that level the playing field.
S.M.A.R.T. Guiding Principles
We assess our customers situation to understand Specific areas of the business.
We provide Measurable solutions for our customers.
We align people, processes and technology to ensure our customer's financial goals are
Attainable through our partnership.
We led with integrity and set Realistic expectations for our customers.
We keep the Timeline of financial goals top of mind to help our customers succeed financially.
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Funding The S.M.A.R.T. Way