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Hard Money Loans The term "Hard Money Loan" as it is referred to in real estate or lending world is a type of non-bankable loan. Lender can approve the loan request based upon the value of the assets and the equity in the assets. Hard money loans are those loans usually funded at a higher cost to the borrower either because they are non bankable by a traditional lender, and or the borrower is in a hurry and can't afford to wait for weeks or months for a traditional lender.	S.B.A. Loans Goverment loans from the S.B.A.(Small Business Administartion) designed for financing for small businesses and can be used for purposes like purchase of real estate, Construction, renovation, leasehold improvements, purchase furniture, fixtures, machinery or equipment, for the flooring of inventory and for working capital. Mostly used S.B.A. programs are: 1. S.B.A. 7(a) Loans 2. S.B.A. 504 Loans	Equipment Leasing up to 100% Benefits Of Our Leasing Programs Longer Terms: Many banks lend for 2 to 36 months. In our lease arrangements, the term can be as long as 60 months. Little or No Down: Small up front costs make leasing very attractive. Fixed Payment: Monthly payments on a lease are fixed for the entire term, allowing you to budget months or years ahead. 100% Financing: Traditional methods of financing usually do not include "soft costs" such as installation, service contracts and freight. Our lease transactions include all of these, allowing you to finance the total package. Purchase Options Are Available: At the end of the lease, you may purchase the equipment at an agreed upon price or simply return the equipment.
Business Only Loans Any Loan in which money is used to start or expand a business, working capital, Inventory, R & D or any other purpose in business. The business only loan is based on Idea, past history & cash flow of the business, LTV, location of business, economic condition, company & borrower credit worthiness, environmental and Market feasibility. Last 3 yrs tax returns & financial history of the company plays an important role. If start up business needs 3 years projections of cash flow.	Conventional Commercial Loans Conventional Loans are not covered by any government program of insurance or guarantee. Such loans may be eligible for purchase, expansion/rebuilds or refinance. These loans are quick loans and are available for strong borrower. LTV is 60-70% against business, 10-15 yrs amortization. Location must show a minimum of 12 months historical cash flow to debt service coverage of 1.4 1.6:1, owner occupied preferred, borrower should have 3 years industry experience.	Express Loans (Unsecured Working Capital Up to $250,000) Terms: � Only for existing Businesses � No Startups or acquisitions � Must have good credit � Must have profitable tax return � Quick approval
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