SBA Loans: Real estate or purchase / expansion for existing businesses
- Various SBA guaranteed programs
- Up to 90% LTV
- Very low rates (as low as 5.75% in some cases)
- Limited fees and points make this EXTREMELY cheap money
- We specialize in all the various SBA programs
- Loans can be to fund purchase of a business or franchise that does NOT involve any real estate
Commercial Loans for owner-occupied real estate
- Restaurants, auto dealerships, assisted living, day care, funeral homes, much more
- Mixed use okay
- Office and industrial condos
- Up to 75% LTV on owner occupied purchases
- No balloon payments in many cases
Apartment Building Loans Purchase or Refinance
- 75% Loan-to-Value
- (80% with Cash-out Refinance)
- No maximum loan amount
- Low, fixed interest rate, based on market spreads over the Ten-Year Treasury Yield
- No personal liability (non-recourse)
- Negotiable pre-payment terms
- 1:18 Minimum Debt Service Coverage
- This loan is always assumable.
- Third-party expenses & loan costs can be financed
SDIRA - Borrow up to 90% of your securities WITHOUT selling them
- Create liquid cash while staying in the market
- Borrow up to 80% of the value of your security
- No margin calls to worry about in most cases
- No need to sell the securities
- Can work in an IRA or Roth IRA or 401(k) under certain conditions
- Free up cash for any purpose
Church Loans
- New construction, major renovations, purchasing existing facilities, land acquisition, refinancing
- Up to three times the annual tithe
- More if you have a capital raising campaign or bond program
- $500,000 to $20,000,000
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Business Acquisition or Franchise Start-up
- For a limited time The Business Starter Loan
- Loan Amount: $200,000 to $2,000,000
- For Franchise Start-ups, Franchise Acquisitions, Business Acquisitions
- LTV: No collateral requirements in selected states
- Borrower Injection: As low as 20%
- Term: 10 Years
- Interest Rate: Prime + 2.75%.
- Lower rates for real estate
- Personal Guaranty: Required of all owners
- No Pre-Payment Fee and No Balloon Payment
- Origination or Points: 1.0%
- Debt Coverage Ratio: 1.30 for two years
- Eligible Businesses:
Privately Held, For-Profit, Owner Operator
None Required for Approved Franchises
3 Years of Related Experience for Non-Franchise
Funds Provided to Cover 3 - 6 Months of Expenses
Hard Money Loans – Get funding now!
- $100,000 to $ 25 Million or more!
- 1 to 3 Year Terms
- Good exit strategies are critical
- QUICK CLOSINGS
- LOW OR NO DUE DILIGENCE FEES!
- MUST have good credit!
Medical Practice Loans: Based on cash flow – no real estate required
- Loans made based upon cash flow
- No real estate required
- Cash out is perfectly fine
- Pay off other obligations including other loans and credit cards
- Expand the practice with extra capital
- Extremely fast decisions given
- Loans from $250,000 to $10,000,000 or more
- 72 hours to commitment
- Closings in as little as 10 days
- Terms from 5-15 years
- Competitive Rates
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