KEY BENEFITS:

 COMMERCIAL LINE OF CREDIT (UNSECURED) NO COLLATERAL OR GUARANTEE NEEDED, WITH ONLY:

• 2 YEARS OLD. CORP,INC, LLC , CO & SOLE PROPIETORSHIP REGISTERED WITH THE DIVISION OF CORPORATION IN TALLAHASSEE,FL.
• NO DELAYED PAYMENTS.
• NO FORECLOSURE.
• NO BANKRUPTCY.
• NO REPOSSESSIONS.

GET $100,000.00  IMMEDIATELY

Important Information:

• NO PRE-PAY PENALTY, if you pay back the money ahead of time.
  
• “GRACE PERIOD”YOU JUST PAY INTEREST ONLY FOR THE FIRST 36 MONTHS on the money you borrow from your Commercial Line of Credit. After 7 years you must pay out loan in full.
  
• RATES from 8.9% to 14% depending on Corporation, Incorporation, or Company’s credit back ground with Dun & Brandstreet.
  
• The Commercial Line of Credit loan is given to the Corporation, Incorporation, and Company; therefore, it will never appear in your personal credit report. (The three credit bureaus).
  
• TAX DEDUCTIBILITY, for every interest rate you pay on your Commercial Line of Credit loan, (To be sure please consult with your tax advisor/CPA).
  
• THIS LOAN IS NOT COUNTED with your personal property or assets at any time at all.
  
• YOU ARE NOT THE BORROWER, NOR THE CO-BORROWER. You are the guarantor only for the Corporation, Incorporation or Company.
  
• Fast approval, Funding and closing the same day with low monthly payments. AS long as we have the required documents (Forms & Documents , check list #3 )
  
• This loan is considered like a credit card type (unsecured & non-recourse).
  

1.  FOR LOANS FROM $500,000 TO $10,000,000 (reviewed on a case by case basis)

• Last three years of business tax returns
• Last three years of personal tax returns for individual owners 20% or greater
• Management Prepared Interim year to date financial statements
• Personal Financial Statement form
• Schedule of Business Debt form
• Current A/R and A/P Aging Reports

Businesses that do not qualify for an unsecured commercial line of credit:

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• Loans from $200.000 - $ 2,000,000
• Must be 51% owner-occupied
• Historic cash flow coverage as little as 0.75% if projected cash flow 1.25x, otherwise
• Historic cash flow of 1.10x
• Up to 100% financing available using our processing, but usually
• Up to 90% financing-10% injection may be borrowed
• Terms up to 25 years
• Construction financing available. 

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• Includes: Doctors, Dentists and Veterinarians
  
• Loans from $75.000 - $ 2,000,000
  
• Up to 100% financing for start-ups. practice acquisitions and expansions.
  
• Experience: 2 years post residency experience
  
• Anticipate high debts load and student loan delinquencies

• We have reviewed and rated hundreds of franchises
  
• Contact our financial specialist to determine structure for a specific franchise
  
• Loans from $75.000 - $2,000,000
  

• Loans up to $350.000 - no minimum collateral requirements ( $250.000 for fast food)
  
• Over $350,000 ( $250.000 for fast food) - must have discounted LTV of 175%.
  
• Up to 85% financing of all costs (Franchise fee, working capital of, Leaseholds)
  
• Experience: 3 years general management required for most concepts.
  
• Experience: 2 years direct restaurant management required for restaurant concepts
  
• Site must project cash flow of 1.25x in first year of operations.
  
• Maximum loan of $1,200.000 for restaurant concepts

• Loans up to $1,000,000 - no minimum collateral requirements.
  
• Loans over $1, 000,000 - collateral requirement vary
  
• Up to 85% financing
  
• EXPERIENCE: THE BUYER MUST BE APPROVED BY THE FRANCHISOR
  
• Experience restaurant concepts: Buyer must have 2 years restaurant management experience

Actively helps funds acquisitions, expansions and refinancing projects of small and middle size companies. The financing guarantee, approved to specially designated lenders by The Small Administration, is used in order to assist the businesses to qualify for financing in order to buy a new business or refinancing their existing businesses. Funds are available for all capital needs.

Borrower Benefits
Low down payment of only 10%

Long repayment term - reducing monthly payments

Frees up cash flow to expand your business

Many rate options including long term fixed rates

Use of Proceeds

Purchase, construction or renovation or owner-occupied commercial real estate

Refinancing of existing debt is not permitted wit a 504. Please refer to SBA 7a for refinance transactions

Standard Loan Structure

50% financing - First mortgage (up to $3 million)

40% financing - SBA 504 second mortgage (SBA/Certified Development Corporation provides up to $2 million)

10% minimum down payment by the borrower (15% in the case of special use properties)

Terms

First mortgage
25 years, fully amortized

Fixed, floating and adjustable rates available

Competitive fee structure

Prepayment penalty applies & is set based on various factors

Second mortgage
20 years, fully amortized

Fixed rate is determined at SBA-guaranteed 504 debenture sale

Fees set by CDC

Prepayment penalty for initial 10 years, none after the end if year 10
Pre-screen Checklist:

Business Tax Return(s), with all schedules and attachments, for the last 3 years.

Business Interim (year-to-date) Financial Statement (income statement and balance sheet). Internally prepared is acceptable.

Business Debt Schedule (form available upon request) detailing all business debts.

Brief summary of the loan request.

Signed Applicant Authorization Form from each principal(form available upon request).

Personal Financial Statement (form available upon request) from each business owner, prepared jointly with spouse(if married).

Borrower Benefits

• Long repayment terms, reducing monthly payments
  
• Frees up cash flow to expand your business
  
• Low down payments of as little as 10% on multi-purpose real estate acquisitions and as little as 15% on single-purpose real estate acquisitions
  
• Financing available for most industry types including: hotel/motel,gas station/convenience stores, restaurants and day care
  

Loan Amounts

• $100,000 to $2.0 million
  

Use of Proceeds

• Real estate - purchase, construction, renovation or refinance of commercial real estate. Majority of space must be owned-occupied. Loans up to $2.0 million
  
• Business acquisition - business, franchise or professional practice. Loans up to $2.0 million.
  
• Machinery & Equipment - purchase or refinance. Loans up to $1.5 million
  
• Start-up - franchised businesses such as restaurants and hotel/motel. Loans up to $2.0 million
  

Terms

• Real estate - up to 90% financing, up to 25 years, Prepayment penalty for initial 3 years, none after the end of year 3
  
• Business acquisition - up to 80% financing , up to 10 years, No prepayment penalty
  
• Refinance - up to 100% financing, up to 25 years, Prepayment applicable for initial 3 years on terms greater than 15 years
  
• Rates are based on a spread over the Prime Lending Rate. Rates vary depending on the specific strengths of the transaction
  
• SBA Guarantee Fee is paid directly to U.S. Small Business Administration. Amount varies based on loan/guarantee amount. Other customary fees also apply
  
• All 7a loans are fully amortized and are assumable

   

Pre-screen Checklist: 

1. Business Tax Return(s), with all schedules and attachments, for the last 3 years.
   
2. Business Interim (year-to-date) Financial Statement (income statement and balance sheet). Internally prepared is acceptable.
   
3. Business Debt Schedule (form available upon request) detailing all business debts.
   
4. Brief summary of the loan request.
   
5. Signed Applicant Authorization Form from each principal(form available upon request).
   
6. Personal Financial Statement (form available upon request) from each business owner, prepared jointly with spouse(if married). 

Borrower Benefits

• Long repayment terms, reducing monthly payments
  
• Frees up cash flow to expand your business
  
• Low down payment of as little as 15% for acquisitions (& 100% financing available for refinancing and renovations with sufficient equity in business)
  
• SBA 7(a), SBA 504 and USDA B&I loans available
  
• No balloon/call dates
  

Loan Amounts

• $100,000 to $5.0 million
  

Use of Proceeds

• Renovation of existing flagged and independent properties
  
• Acquisition of existing flagged and independent properties (in turnaround financing situations, buyer must show direct turnaround hotel/motel experience and feasibility study may be required)
  
• Refinance of existing debt
  
• Conversion from independent to new flagged property or upgrade to new flag
  
• Ground-up construction of flagged properties supported by a current feasibility study
  

Terms and Requirements

• Business owners must have direct or highly related industry experience coupled with acceptable personal credit histories
  
• Rates are based on a spread over the Prime Lending Rate. Rates vary depending on the specific strengths of the transaction
  
• If property is operated as a franchise the term of the franchise agreement must equal or exceed the term of the loan (can include options)
  
• All customary fees apply
• All 7a loans are fully amortized and are assumable

Pre-screen Checklist:

1. Business Tax Return(s), with all schedules and attachments, for the last 3 years.
   
2. Business Interim (year-to-date) Financial Statement (income statement and balance sheet). Internally prepared is acceptable.
   
3. Business Debt Schedule (form available upon request) detailing all business debts.
   
4. Brief summary of the loan request.
   
5. Signed Applicant Authorization Form from each principal(form available upon request).
   
6. Personal Financial Statement (form available upon request) from each business owner, prepared jointly with spouse(if married).

Borrower Benefits

• Long repayment terms, reducing monthly payments
  
• Frees up cash flow to expand your business
  
• Low down payment of as little as 15% for acquisitions (& 100% financing available for refinancing and renovations with sufficient equity in business)
  
• SBA 7(a), SBA 504 and USDA B&I loans available
  

Loan Amount

• $1000,000 to $4 million (larger transactions may be available on case-by-case basis for strong requests)
  

Use of Proceeds

• Renovation, upgrading and/or re-branding or existing gas stations
  
• Acquisition of existing branded gas stations
  
• Expansion of existing gas stations
  
• Ground-up construction of new gas stations/convenience stores supported by a current feasibility study
  
• Independent & regional brands financed on a case-by-case basis
  

Terms and Requirements

• Business owners must have direct or highly related industry experience coupled with acceptable credit histories
  
• Rates are based on a spread over the Prime Lending Rate. Rates vary depending on the specific strengths of the transaction
  
• For branded gas operations, terms of the gas supply agreement must be equal, with options to the term of the loan
  
• All customary fees apply
  
• All 7a loans are fully amortized and are assumable
  

Pre-screen Checklist:

1. Business Tax Return(s), with all schedules and attachments, for the last 3 years.
   
2. Business Interim (year-to-date) Financial Statement (income statement and balance sheet). Internally prepared is acceptable.
   
3. Business Debt Schedule (form available upon request) detailing all business debts.
   
4. Monthly Gallons Sold vs. Inside Sales fir the past 2 years & interim.
   
5. Brief summary of the loan request.
   
6. Signed Applicant Authorization Form from each principal(form available upon request).
   
7. Personal Financial Statement (form available upon request) from each business owner, prepared jointly with spouse(if married).

In fact Special Use Properties are our SPECIALTY! In 2007 nearly 75% of our total loan volume went to single purpose real estate transactions. While we financed many Car Washes, Restaurants, Gas Stations/Convenience Stores, and Day Care Centers the largest portion of our special use dollars went to hotel transactions. We understand special use, we like special use and we continue to finance special use.

• Nationwide Conventional & SBA Preferred Lender
• Loans available up to $7,000,000
• Up to 90% LTV on SBA Transactions, up to 85% LTV on Conventional & Multifamily/Investor.
• Loans available for construction, refinancing, acquisition, and start-up.
• Highly attractive rates and loans
• Fast, free, and accurate preescreenings available.
  

Click here to see a list of some of the hotel projects that we have financed in the past twelve month.