Fast Business Loans

Lease equipment with our traditional and Fast Business Loan programs.Equipment leasing includes these 5 major types:

• Capital Lease / Finance Lease / $1 Buyout
• True Lease or Operating Lease / Fair market value leases
• The “P.U.T.” Option Lease (Purchase upon Termination)
• TRAC Lease
• Leaseback owned equipment assets for liquidity.

Accounts Receivable are assets equal to the outstanding balances of invoices billed to customers that are not yet paid, and are considered highly-liquid assets which translate to theoretical value for lenders and
financiers. Accounts receivable (AR) Factoring is a type of financing arrangement in which a company receives financing capital related to a portion of its accounts receivable. Accounts receivables are reported on a company’s
balance sheet as an asset, usually a current asset with invoice payment required within one year.

Financiers may be willing to structure accounts receivable financing agreements in different ways with a variety of different potential provisions. Moreover, AR Factoring rates are determined by rating the quality of the receivables, and vary widely by industry and niche. Many businesses require the ability to access liquidity while awaiting receipt of AR from a customer or 3rd party payor, such as insurances.

For working capital or cash management needs, a business may require a line of credit. The best collateral for a favorably-priced LOC’s are unencumbered real estate assets.

Other collateral such as marketable securities or equipment also qualify as collateral for a business line of credit.

A Securities Collateral Line of Credit is a great alternative to using real estate collateral for a line of credit for working capital or cash management needs.

Marketable securities serves as collateral for a business line of credit based on a percentage of the portfolio value up to 90%, and is much different than a traditional "margin loan". The owner retains the securities through hypothecation (electronic ledger account) with a 3rd party securities firm, while accessing funds at low rates with flexible repayment requirements.

A term loan is a loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate. Rates may be simple interest or a factored rate, depending on credit, cash flow and financial profile.

If the guarantor of a business term loan has low personal credit, the Merchant Cash Advance (MCA) term loan is an option with less stringent requirements and typically higher rates.

Term loans are a means of short term liquidity for a business when a traditional or SBA Business loan is not an option and can be used for virtually any business use including cash flow management, equipment, inventory or working capital.