Business Loans
Equipment Finance
Turn your hard assets into cash flow
Financial Capital Resource has relationships with industry specific appraisers and funding sources to ensure our clients get the most liquidity out of their assets. We understand the value of your equipment and ensure that you have the right options for your business.
Equipment lending is typically a component of a collateralized loan. While equipment funding can be done on a stand-alone basis, it is often combined with other assets.
There are many benefits to these types of equipment lending facilities:
- You raise cash flow through existing assets for expansion
- Low cost of capital versus stand-alone facilities
- You will receive the working capital you need without giving up equity
- Expand working capital base
" We work with many well-capitalized lenders that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today’s hard economic times. "
Turn your receivables into cash NOW, and gain the working capital and the peace of mind your company needs to succeed.
Merchant Funding
Receive funding on your projected sales
Merchant cash advance loans are good for businesses that require money to expand, however, do not have sufficient credit history for a traditional bank loan. Merchant cash advance loans can be expensive, however, are repaid through daily collections so there is not an outstanding balance after the term is fulfilled.
Merchant cash advance programs are advances against future sales based on historical sales. The merchant cash advance company gets repayment by having the daily credit card batches flow through their account where they recoup a percentage of their advance and funding fee.
There are many benefits to this type of business credit loan:
- Gives you the capital to expand
- Your interest payment is directly tied to your sales, so your payment moves in line with your sales for the month
- Close within 5 days
- You will receive the working capital you need without giving up equity
" We work with many well-capitalized lenders that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times. "
Turn your future sales into cash NOW, and gain the working capital and the peace of mind your company needs to succeed.
Cash Flow Loans
Flexible borrowing and low interest rates
While not many companies qualify for cash flow lending, those that do can enjoy low rates and flexibility in borrowing money. Banks will typically require that the borrower maintain certain loan covenants, however, do not require the submission of a borrowing base certificate.
Banks will focus on the borrower’s ability to repay the loan versus the underlying assets of the business. They are looking for good EDBITDA and cash flow and will also look into the experience and integrity of the management team.
There are many benefits to these types of credit lines:
- Low interest rates, usually around the Prime Rate
- Lower maintenance credit line than asset based lending
- You will receive the working capital you need without giving up equity
- Gives you the confidence to fulfill larger contracts
" We work with many banks and well-capitalized lenders that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times. "
Leverage your positive credit history into cash NOW, and gain the working capital and the peace of mind your company needs to succeed.
Government Funding
Get funding for your government contracts
We specialize in helping government contractors obtain working capital to fulfill orders. As the federal government is required to award bids to disadvantaged businesses, there are several opportunities for government contracting companies with limited cash flow to work with the government.
Banks and finance companies will take assignment of the government contract as well as a security interest in the government contractor’s business. Lenders will want to see a reasonable gross margin so they are not overly leveraged in the transaction.
There are many benefits to this type of funding:
- Your cash flow is directly tied to your sales and as your business grows so will the available capital
- Government contracting companies can bid on larger opportunities
- You will receive the working capital you need without giving up equity
- Bid on several projects at a time
" We work with many banks and private finance companies that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times. "
Turn your government contracts into cash NOW, and gain the working capital and the peace of mind your company needs to succeed.
Small Business Loans
Take advantage of government sponsored lending
The Small Business Administration guarantees loans to banks and financial institutions for applicants that meet the Small Business Administration guidelines. We have funded many of these types of bank loans and will assist you in gathering all of the necessary documentation to fund the line of credit.
Small Business Administration backed loans are funded by banks and financial institutions that rely on your personal and business credit as well as the cash flow of the business.
There are many benefits to these types of small business loans:
- Low interest rates
- 10 - 20 year term loans
- Can be used for acquisition or expansion
- You will receive the working capital you need without giving up equity