Financing Options

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Both companies are a source of competitive, long term, fixed rate funding for apartments, senior living centers and other multifamily housing.  No personal guarantees , up to 4 mortgages can be placed against the subject property with 12 month seasoning in between.  Assumable.  To 80% loan to value.

FHA/HUD 221(d)(4) program provides competitive financing for multifamily, low-income, rental assistance, affordable housing  and like projects.  Offers a term as long as 40 years at a fixed rate, including construction loans.   Rates generally are lower than FNMA/FHLMC but have more challenges to manage including annual audited financials.  Minimum loan amount is $4M

Guarantees small business loans.  Reduces risk and enables access 

to capital from traditional lenders 

with competitive terms.  Some loans 

do not require any collateral. From 

$500 to $5.5M available for most 

business purposes. For working 

 capital to fixed assets.  There are eligibility requirements but even 

borrowers that do not have perfect 

credit are eligible.  

Through the SBA International Trade & Office of International trade, an Export company can receive financing

If speed and ease is your pleasure, than Private Investors have money to lend....

for a price.  Usually lending in their immediate areas private lenders and private lending groups are very regional.   This allows them to drive by the site of the property or the holdings and to personally inspect without a lengthy appraisal process.  Since most investors look at collateral as something they may have to own one day, location is a consideration.  Recourse is often required, proof of funds and insurance are a must.  

Asset based loans are just that - loans based on the asset being financed and or secured by collateral.  This can be construction projects,  purchase of heavy equipment, inventory or accounts receivables are just some of the assets that can be used to secure a loan to grow your business or build your dream project from the ground up.  Investors range from institutional to small investment groups. Usually to 70% loan to value.  

We offer terms to 30 years 

through a national investor.

Sometimes documentation, credit or the type of property or business can cause investors to deny a loan.  Hard money lenders are a good short term option in many cases.  Prepayment is rare but usually no more than 6 months and the loans are interest only for generally up 

to 2 years.  Rates & closing costs are high.

Another quick money option for some businesses is factoring for invoices, sale of receivables - this is not a debt it is a sale.  Generally, non-recourse, although some states do allow for recourse.   Usually 70 to 90% of face value.