FAQs

Many reasons. We are former bankers who know exactly how the loan process works and what is required for a loan approval. We know the banking/lending and SBA requirements and have credit certifications that enable us to qualify and underwrite loans. We can identify and provide the solutionsthat you need, which Banks cannot legally provide. Since all banks cannot lend to all types of businesses, we have a handpicked network of Lenders across the states who have specific industry interests and ability to measure/take risk in their investment, your business. We have 30+ years of combined experience in helping businesses start and grow with funding, one after another.

Down payment depends on the total project cost, loan structure, historical cash flow (if available), credit scores, collateral, risks, industry or type of business, affiliate businesses, owner occupancy, etc. It can range from 10%-25% depending on all the risks.

Possibly. Full collateral is always required for Conventional loans; however, SBA loan programs can allow financing with little to no collateral. If you have a property, you will have to provide it as collateral. If you don’t have a property, it’s alright. Some SBA regulations do allow the home to be excluded from being taken as collateral, but that also depends on the risks in the loan and type of lender.

If you’re a startup, there’s no room for negotiation. If you have, or are buying, an established business or real estate with satisfactory cash flow and net profits, full collateral to offer towards the loan, sufficient down payment and reserves, over 700 credit score, favorable or less risky industry of business, and no major outlining issues in the loan project, we may be able to help you get a lower interest rate depending on the bank’s interest and additional requirements.

Startups, real estate or business acquisitions, expansion, refinance, construction or renovation, franchise, partner buyout, etc.

It depends on the type of loan. The time varies based on loan amount, type of lender and their process, client’s ability to provide all documentation on time, lender’s closing rate and requirements, construction documentation, and especially the availability and timely efforts of all parties/individuals included in the loan project. If we were to answer this question to the best of our ability, nothing less than 3 months to 4 months (90-120 days) from start to finish if everything goes smoothly.

All 50 states!

Yes, that’s our job! We have services that can determine if you qualify for a business loan and for how much. If we realize that you don’t qualify at that given time, we also have services that provide the solutions necessary to qualify you.

Although financing is strictly based on numbers at the end of the day, we may be able to help showcase the real potential of your business and your entrepreneurial abilities through some of our services and expertise. And we may need to talk to your CPA/Accountant!

Our services are focused on financing and everything to do with it. Which means that we have services specifically designed for you before the loan and after the loan. Business planning, projecting, modelling, coaching, advising, monitoring, and so much more.

Yup! Lender, attorney, cpa/accountant, insurance agent, general contractor, architect, IT professional, marketing professional, etc. You name it, we have the network.

Yes, as long as we gain a clear understanding of what your gameplan is to improve the business going forward.