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Access Funds
With a Line of Credit

Does your cash flow result in a bumpy financial ride when it comes to managing regular business expenses? If so, a working capital line of credit can provide you the flexibility necessary to manage costs successfully.
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Business lines of credit often have lower interest rates than a business credit card. You may choose between secured or unsecured lines to match with the right interest rate and terms.

Add flexible funds to your financial tools. Our brokers will assist you in identifying lenders and terms that are right for your industry and market position. We focus on helping you match with a loan that provides you the lowest interest rate with the least exposure, balancing your risk profile while providing you the terms and repayment options that are right for your business.
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Unsecured Lines of Credit

When you are well positioned for financing, an unsecured line of credit can close quickly with less paperwork than other types of financing. Because a revolving line of credit renews the available balance as you pay, you’ll be able to manage your own costs with less scrutiny than other lending types. A solid credit score is the primary requirement for an unsecured business line of credit.

Secured Lines of Credit

For businesses seeking a higher available credit limit, a lower interest rate, or both, a secured line of credit can be a great option. The lender will place a lien on fixed assets that will serve to secure the loan. Many small and medium sized businesses utilize lines of credit to increase access to fast financing for short term expenses. By utilizing assets, businesses are able to unlock available funds without having to take out a long term loan with fixed monthly payments.

Positioning Your Business to Receive Great Rates

When lenders evaluate a business to determine their risk and line of credit limits they look at several factors: annual cash flow, your quick ratio (current debts as compared to current liquid assets), as well as how much debt your business is carrying. To prepare for the best rates, businesses can focus on accelerating cash flow through factoring or customer repayment incentives, pay down or pay off debt or refinance to reduce monthly payments. Talk with our team about your financial goals and we can help you become loan ready to capture the best rates when you apply.

Advantages

When you own the property that houses your business, you have an equity asset. You can also use the value of that real estate to secure loans for other areas of your business. Discover the benefits that real estate financing has to offer by speaking to our financial team.
Get the funds to buy or lease quickly.
Generate income sooner by getting equipment in place now.
Leverage your assets to get working capital.
Secure funding based on your equipment’s value.
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F.A.Q.’s

Q. How do I get an equipment loan with bad credit?
It’s possible to finance equipment, even if your business’s credit score isn’t as high as you’d like it to be. Offering additional collateral and providing a larger down payment can entice lenders to approve your loan application. We can share more techniques to make you attractive to the right lenders. Contact us today.
Q. Should I lease or finance equipment?
The answer depends on how long you need the equipment and what your business’s overall financial picture looks like. Our brokers can help you decide which road to take when you need to bring in vital equipment.
Q. Who owns the equipment in a lease?
The buyer, or lessor, is the legal owner of the equipment. At the end of the lease, you might have the option to buy back the equipment, depending on your lessor. It’s similar to renting a house, where the true owner is the landlord although you get to occupy the home.
Q. Can you deduct leased equipment?
According to the IRS, you can deduct rental payments. However, this only works under a lease, not under a conditional sales contract. What’s the difference between a lease and a conditional sales contract? Contact our brokerage to find out more.