commercial lending

Zero-percent financing! Instant approvals with no credit check! Poorcredit? Still get great rates! There are ads online and in print which make no sense and are in fact clearly delusional or intentionally misleading; making statements and offers so far out of reality that how can they be taken seriously? Bait-and-switch […]

Lease/Purchase financing is designed to complement, not replace, bond financing for government agencies. Leases afford the opportunity to acquire equipment during the current fiscal year instead of having to wait until the next budgetary cycle. For vendors promoting government projects, it offers the lowest rates in the industry commonly in […]

Asset Based Lenders (“ABL Lenders”) look to tangible collateral to support their business loans. They are more flexible, regarding cash flow and other performance criteria, than traditional lenders and will accept some losses and higher debt leverage than a bank. ABL lenders primarily focus on lending against real estate, capital […]

One of the reasons businesses shift from sole proprietorship to Limited Liability Company (LLC) or Corporation is to “limit” their exposure to liability and protect the owner’s personal assets. A great strategy overall but one which may not apply to newly formed entities or tightly held companies with marginal financial […]

The financial markets and financing in general has changed because of the recession. Doing ‘business as usual’ has tightened up quite a bit and understanding the playing field will help get your financing requests completed more quickly and dampen some of the frustrations which can occur during the process. There […]

Neatly filled out Finance Applications come to us on a daily basis for equipment financing requirements. They come from business owners, doctors, chief financial officers and company presidents. The application is sent in yet the supporting financial documents trickle in after and sometimes only part of the needed information is […]

Is there a difference in financing standard business equipment like machinery, tools or vehicles and office equipment like copy machines or computers? When it comes to financing – there really is no difference! Equipment lenders are only concerned about a few common criteria when financing equipment. These criteria are: Life […]

A good banking relationship is critical for any business; that relationship should grow as your business grows and can develop into a very strong bond as long as you manage it properly. A good connection with your bank will provide ongoing information with often, free consultation regarding the growth of […]

The U.S. Small Business Administration (SBA) offers guaranteed commercial loans by the federal government for small businesses. These loans are offered through approved partners in the lending industry and not directly through the SBA. When the SBA guidelines are followed and approved, the lender has less risk since a significant […]