SERVICES | Onesto Capital Group
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SBA LOAN

An SBA loan is a government-backed loan that can be used for starting or expanding a business. The loan has certain requirements for eligibility, such as size standards, providing the ability to repay and a solid business purpose.

TERM LOAN

Similar to traditional bank style financing. A Term Loan is a set amount that a borrower pays back at a fixed rate. The common uses for these types of loans are business expansion, working capital and equipment purchases.

REVENUE-BASED FINANCING

A type of funding where a company receives upfront capital in exchange for a percentage of its future revenue. Repayments are directly tied to the business's performance, this makes it a flexible funding option, especially for businesses with consistent revenue streams. 

INVENTORY/PURCHASE ORDER FINANCING

With purchase order financing, a lender will pay your third-party supplier up to 100% of the costs required to produce and deliver the agreed-upon goods to your customer. Once your customer receives the goods, you invoice them for the fulfilled order, and they pay the purchase order financing company directly. Then, the PO financing company deducts its fees and pays you the rest.

EQUIPMENT FINANCING

Businesses utilize equipment financing to purchase business-related equipment. Obtaining these assets can be through equipment leasing or

equipment financing, which doesn't require businesses to pay out of pocket large amounts of cash. Ultimately freeing up working capital within

the business. Equipment Financing is based on the value of equipment and the business's affordability.

COMMERCIAL REAL ESTATE LOANS

Commercial real estate lending includes acquisition, development, and construction financing and the financing of income-producing real estate. Income-producing real estate includes real estate held for lease to third parties and nonresidential real estate that is occupied by its owner or a related party.

DEBT CONSOLIDATION

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.

LINE OF CREDIT

A business line of credit provides flexibility for the business owner. Rather than a fixed amount issued at one time, funds can be accessed as needs arise. Funds are made available again, as the balance is paid down.

   MERGERS & ACQUISITIONS (M&A)

A general term that describes the consolidation of companies or assets through various types of financial transactions, including mergers, acquisitions, consolidations, tender offers, purchase of assets, and management acquisitions.

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