Our Expert Consultation Process Delivers

Financing Options Include

Consultation Services

Basic Service for Entrepreneurs – $1000.00
  1. Unlimited Loan brokering service – If necessary, will work with your company until you can qualify for a loan that fits your needs
  2. Startups or new business consultation
  3. Business Planning Guide
Premium Service for Entrepreneurs – $2000.00
  1. All Items Listed in Basic Service
  2. Custom Business Analysis
  3. Finance and accounting- We will work with your company to ensure you have all the proper finance and accounting tools in place.
  • Find out what those tricky financial statements and reports are showing you
  • How to present your ideas in sound financial terms for greater impact and acceptance at all levels of the organization
  • Interpret and understand the most common financial statements: Income statements, balance sheets and cash flow statements
  • See how cash and profit differ as exhibited in the cash flow statement
  • Understand the basic “T” accounting system … and how to account for assets, liabilities, equity, revenue and expenses
  • Learn how to sort and post business transactions into debit or credit columns and how best to check for accuracy

Line of Credit

A line of credit for a business is, in our opinion, one of the first things a business should obtain when starting a business. Lines of credit are simple. It’s similar to a credit card, and you typically access the credit line by writing a check.

Advantages with line of credit:

The interest rate is usually much lower than a credit card. A credit line is an amount of credit that you can access as you need it in any way you need it to grow your business.

PRE-QUALIFY ME

Commercial Property

A commercial property loan is a mortgage loan on commercial real estate. As a business owner, why not purchase your property instead of lease it? Owning the building could be the business owner’s best exit plan or retirement plan.

Example Benefit of Commercial Property Loans

Most business owners put all of their money back into their business. Over the years we have recommended our clients purchase their building. One client that did go ahead and purchase his building sold the business just a few years later but kept the building. He then rented the building to the new owner. This strategy provided this client a great retirement.

PRE-QUALIFY ME

Accounts Receivable

Acquiring Accounts Receivable financing is a great way to manage your business without having to wait for business customers to pay their invoices. Loan programs are available to allow you to open a revolving credit line based on eligible receivables, or you can have receivables bought by a Factoring Facility. Either way, you can get your money quicker and put it back into your business, pay suppliers, fund payroll, or whatever needs you have at that time.

Her’s how Factoring can help:

Frequently, a commercial bank cannot provide all the loan funds a growing company needs. A balance sheet is not liquid enough, or it can’t clear off the bank debt every 6 or 12 months. A factor can provide funds to clear off bank loans periodically or make additional bank credit possible by guaranteeing accounts or replacing accounts receivables with cash.

One of the biggest advantages of factoring is that businesses get immediate cash (from 70 -80% of the face value of the invoices) within 24-48 hours, which means you can accelerate your cash flow by speeding up payment of the receivables. You will have an immediate source of funds for operating expenses and future growth.

PRE-QUALIFY ME

SBA Loans

The SBA, Small Business Administration, can help you acquire a small business loan. The SBA is not a lender, rather a guarantor. They can help small business owners who have limited access to business financing. They can help you cut through the red tape by using non-bank funding sources that are delegated to approve for the SBA.

Benefit of SBA Loans:

A business that may not be able to get a traditional loan may be able to obtain funding through a SBA loan and at reasonable terms. The Small Business Administration guarantees major portions of the loans through the SBA loan program.

PRE-QUALIFY ME

Equipment Leases

In addition to the initial cost and obsolescence, leasing your equipment can also provide your business with a substantial tax advantage. While you should always consult with your tax advisor first, most equipment leases can be structured so that you can write off 100% of the annual lease payments. By contrast, current tax laws only allow a business to write off the interest paid on loans.

However, because a lease is a rental and the business is only using the equipment, the business can usually write off all of the monthly lease payments just like any other legitimate business expense.
The last major advantage of leasing your equipment instead of buying is that leasing allows you to not show the equipment on your balance sheet. Once again, this is because the equipment is being rented and therefore actually belongs to a different company than the one that is using it. For this reason leases are often referred to as “off balance sheet” financing and this can be a tremendous advantage to many businesses both large and small.

How we deliver better results in this area:

Big businesses prefer this option because they don’t want to own millions of dollars in equipment. This equipment will depreciate substantially with the day-to-day usage. Whoever owns the equipment is responsible for the depreciation on their balance sheet. Also, large corporations may require that the board of directors approve any new loans to the business. This can make it difficult for the management of the business to operate efficiently.

But a lease is not a loan and therefore may not require approval by the board for the managers to get the equipment they need. In smaller businesses this can also be an advantage because they will not show additional debt on the balance sheet that will affect their ability to borrow money in the future. If you are considering selling your business, this may also make your company more attractive to potential buyers since you will be showing less debt on the balance sheet.

PRE-QUALIFY ME

Financing Options Include

Acquiring Accounts Receivable financing is a great way to manage your business without having to wait for business customers to pay their invoices. Loan programs are available to allow you to open a revolving credit line based on eligible receivables, or you can have receivables bought by a Factoring Facility

Your Content Goes Here

Your Content Goes Here

Your Content Goes Here

A business that may not be able to get a traditional loan may be able to obtain funding through a SBA loan and at reasonable terms.

Still Have Questions?…Get Help

If you’re considering or in the process of acquiring the resources to help your business grow, contact us.  We’re eager to help you get the answers you need at the beginning, so you achieve greater success for your business. 

If you need to send us a form, please add it below: