COMMERCIAL

CAPITAL

Targeted for small and mid-size businesses expanding into their next phase of growth. Our Asset-Based Lending offerings, alternative SBA lending and specialty programs can provide the capital to help you meet your business's goals.

Industries

Service, Manufacturing & Distribution-based

LINES OF CREDIT

Terms

Rates

Loan Size

Term

Details

Starting at 3.99%

$500,000 - $50,000,000

1-3 years

Asset Collateral

Prepayment

None

Covenants

Funding Speed

Recourse

Structure

INVOICE FACTORING

Terms

Rates

Loan Size

Term

Details

Starting at 5.25%

$200,000 - $50,000,000

Flexible

Asset Collateral

Prepayment

None

Advance Rates

Covenants

Funding Speed

Recourse

Structure

SALE- LEASEBACKS

SBA LOANS

A business line of credit allows for the flexibility that a normal term loan would not provide. A business can borrow up to a certain limit and only pay interest on the money that is borrowed. The credit limit is often based on a businesses' receivables, inventory and ability to service the debt payments.

For businesses facing cash short falls, they might consider invoice factoring as an alternative to free up their cash flow. Invoice factoring is the sale of invoices to a company in exchange for a lump sum of cash. Invoice factoring depends on the creditworthiness of your customers, rather than your personal credit, allowing you to immediately unlock working capital to help cover funding gaps for your business.

Lines of Credit

Invoice Factoring

Sale Leasebacks

Small Business Administration (SBA) loans are loans made by banking institutions, credit unions or specialized private lenders, but are partially guaranteed by the US Federal Government for economic development purposes. These loans offer flexible terms and low interest rates to borrowers.

7(a) Program: Loans up to $5 million that provide funds for working capital, expansion and equipment purchases.

504 Loan Program: Loans up to $5 million that provide funds for buying land, machinery and facilities. These loans are only processed by private lenders and nonprofits.

In a sale-leaseback, an asset that is previously owned by the seller is sold to a third party and then leased back to the original owner with a long-term lease. In this way, a business owner can continue to use a vital asset but frees up real estate equity for other commercial uses.

Property owners can also free up liquidity by selling the land under their building for up to 30% of stabilized building value and leasing it back over 99 years. Developers can do the same by selling the land for their future development and leasing it back while contributing sales proceeds as equity for their development. All subject to lender approval.

Please inquire if you would like to learn more about if this financing option is the right fit for your business.

SBA Loans

Accounts Receivable

Flexible

Non-Recourse or Full

4-8 weeks

Terms	Details
Rates	Starting at 3.99%
Term	1-3 Years
Loan Size	$500,000 - $50MM
Asset Collateral	Accounts Receivable
Prepayment	None
Advance Rates	Up to 70% of Accounts Receivable. Up to 50% of Inventory
Covenants	Flexible
Industries	Service, Manufacturing & Distribution-based
Funding Speed	4-8 Weeks
Recourse	Non-Recourse or Full
Structure	Flexible

None

Accounts Receivable

Up to 90% of Accounts Receivable

Non-recourse or Full

3-5 weeks

Traditional or Discount

Terms	Product Details
Rates	Starting at 5.25%
Loan Size	$200,000 - $50MM
Term	Flexible
Asset Collateral	Accounts Receivable
Prepayment	None
Advance Rates	Up to 90% of Accounts Receivable
Covenants	None
Industries	Service, Manufacturing & Distribution-Based Companies
Funding Speed	3-5 Weeks
Recourse	Non-recourse or Full
Structure	Traditional or Discount