Financing

Business term Loans

A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific one-off investment for their small business.

As a company, we connect you with the correct financial institution that can provide the most cost-effective solution for your current capital needs.

Pandemic Based Business Programs

During this awful pandemic, many financial aid programs were created to help out business that survived the pandemic. Public and Private entities have joined forces to provide flexible financing options to jump start the American Economy once again.

Lines of Credit

A business line of credit (LOC) is a revolving loan that allows access to fixed amount of capital. A business line of credit can be a valuable financial tool to help business owners approach financing in a strategic and thoughtful way, especially if you have a need for short-term capital.

Having access to a credit line to help take advantage of opportunities can help you build a thriving business and also build up your credit business or personal to qualify for better terms and conditions.

With a line of Credit, you only pay for what you take, so used strategically you can maximize this tool to increase your profits and regulate your cash flow to your advantage.

Equipment Financing

Equipment Financing helps you finance up to 100% of the new or used equipment you need for your business. Applying for an equipment loan is typically a fast and easy way to finance the purchase of most types if equipment-computers, machinery, vehicles, or whatever else you need.

PROS: Quick access to cash, Limited paperwork, Equipment servers as collateral, Flexible Credit Parameters

BASED ON: Value of the equipment, your business’s financial history, and your credit score.

If you’re planning on investing in a high-value (and value-retaining) piece of equipment with your small business equipment loan, then this is the perfect option for you.

Stay safe

Protect yourself from predatory lenders by looking for warning signs. Some lenders impose unfair and abusive terms on borrowers through deception and coercion. Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are more than five percent of the loan value. Make sure the lender discloses the annual percentage rate and full payment schedule. A lender should never ask you to lie on paperwork or leave signature boxes blank. Don’t get pressured into taking a loan. Survey competing offers and consider speaking with a financial planner, accountant, or attorney before signing for your next loan.