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.
PRIVATE EQUITY
A type of alternative investment in which the investors purchase shares in privately-held businesses.
CAPITAL EXPENDITURE (CapEx)
Funds used by a company to acquire, upgrade, and maintain physical assets such as property, plants, buildings, technology, or equipment.
VENTURE CAPITAL
A form of private equity and a type of financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential.
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.
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.
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.
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.
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.
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.
DEBT CONSOLIDATION
Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.
SLOC Program
The Syndicated Lines of Credit program is a program that will allow merchants with or without revenue to gain access to the cheapest capital available. While keeping minimum payments low, this allows businesses to start on the right foot or grow without compromising a large amount of their receivables. If a merchant qualifies, it can be used as a consolidation of current positions as well.