Business Financing

There are many options available to obtain business financing which include

Bank Loans: This is the most obvious way to get financing.  If you have decent credit this may be the way to go. A typical Bank.Loan.Application  will require you to submit a variety of document which include tax returns, financial statements debt schedules, list of assets owned, etc  When evaluating the bank loan your company will need to meet certain financial ratios which include debt to cash ratios, debt service coverage ratios, and quick ratios.

SBA Loans: The most well-know loan provided by the Small Business Administration is the 7(a) loan program which provides financial assistance to small business. There are many types of 7(a) loans which include  standard 7(a)   7A small loan SBA express

Each loan will require a great deal of financial information starting with  the 7A Application Check Listing

SBA Covid Disaster Loans include the EIDL(Economic Injury Disaster Loan) and the PPP(Paycheck Protection Program). The EIDL allows business owners to borrow directly from the Federal Goverment with an interest rate of 3.75% and a 30 year payback. The PPP allows business to borrow up to $10 million dollars in loans that are forgivable if they do not lay off employees or if they rehire employees they have already laid off. Currently, the PPP is no longer providing funding and there is an on-going debate as to when the best time will be to submit the PPP forgivness application.

Merchant Cash Advance(“MCA”) An agreement is made between the small business owner and the MCA provider regarding the advance amount, payback amount, holdback and term of the advance. Once an agreement is made, the advance is transferred to the business’ bank account in exchange for a future percentage of  your daily bank deposits or credit card receipts. This is the quickest way to get money but also the most expensive way. To apply you would complete the following application and supply 3 months of bank statements. In addition, if you accept credit cards you would need to supply statements from your Merchant Processer. Your loan will typically be approved or denied within 24 hours. If approved the money will be deposited into your account immediately.

Example Below:   $100,000 Deposited into your bank….You would pay back $135,000 in daily increments of $1,022.73 per day..

Accounts Receivable Factoring, also known as factoring, is a financial transaction in which a company sells its accounts receivable to a finance company that specializes in buying receivables at a discount (called a factor). Accounts receivable factoring is also known as invoice factoring or accounts receivable financing.

Purchase Order Financing is a short-term commercial finance option that provides capital to pay suppliers upfront for verified purchase orders. … It allows companies to accept unusually large orders and adjust the loan basis up/down quickly to meet needs

If you are interested in learning more Please let us know.

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