SBA Loan Program The Small Business Loan Program at Plus Capital Solutions is an excellent source of financing for most businesses. Plus Capital Solutions has been designated as a Preferred Financial services company by Perferred SBA lenders to have loans processed more quickly and efficiently. This designation means that the SBA has delegated the approval process to our lenders, which means fast and efficient processing of your SBA loan.
COMMERCIAL/INDUSTRIAL REAL-ESTATE FINANCING
Purchase – Build – Refinance – Renovate – Owner-occupied
- Non-conforming properties
- Single-purpose buildings
- Gas stations
- Repair Shops
- Auto Dealerships
- Hotels and motels
- Convalescent hospitals
EXISTING BUSINESS ACQUISITION LOANS
- Your company’s cash flow & management capabilities are our primary indicators
- Up to $1.25 million a year
- Up to 15-year term
- Up to 80% financing
- Loans fully amortized, no balloons
- No pre-payment penalty
- 48 hour pre-qualification
- Commercial printing and binding
- Machine tools
- Manufacturing Equipment
- Heavy Equipment
- Medical Equipment
- Laundry/dry cleaning
- Diagnostic Equipment
LOANS UP TO $5 MILLION
- No cost pre-qualification letters
- Competitive rates and flexible terms
- No pre-payment penalties
- Up to 90% financing
- Up to 25-year terms
- Fully amortized
- Fixed and variable rate options on both 7a and 504 programs
7(a) Loan Program We specialize in providing long-term permanent financing to small businesses. Our loans, including the 7(a) Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs. Eligible Businesses and Property Types Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by borrower and includes, but is not limited to, the following types of properties:
- Office Buildings
- Industrial Buildings
- Child Care Facilities
- Car Wash Facilities
- Automotive Repair
- Professional Buildings
- Hotels and Motels
- Gas Stations
- Bed and Breakfasts
- Single-Use Buildings
Eligibility based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries. Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available Business Acquisition – up to 80% financing available Equipment Acquisition – up to 100% financing available Debt Refinance -up to 100% financing available Terms Up to 25 years for real-estate financing Up to 10 years for equipment or business acquisition financing Up to 7 years for permanent working capital All loans are fully amortized. Interest Rates and Fees Interest rates are always market competitive. Fees are generally limited to the SBA guaranty fee and customary closing costs. Loan Amounts Loan amounts range from $200,000 to $5,000,000
504 Loan Program
We specialize in providing long term permanent financing to small businesses. Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs. Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available Equipment Acquisition – up to 80% financing available Loan Structures Financing available on projects up to $12,000,000.
- Plus Capital Solutions typically provides a first mortgage of up to 50% of the total loan-to-value. This loan can range from $100,000 to $3,000,000.
- The SBA, through a Community Development Company (CDC) provides up to 40% loan-to-value in a second lien position. This loan can range from $100,000 to $5,000,000.
Terms and Interest Rates First Mortgage – up to 25-year term for real-estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available. Second Mortgage – up to 20-year term for real-estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale. Fees First Mortgage – fees are always market competitive. Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan. Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.
Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by the borrower.Equipment Leasing Types of Leases We Offer
- Application up to $150,000. No financial statements necessary.
- Middle market financing up to $500,000
- Large ticket over $500,000
- Little or no down payment
- Numerous payment structures
We can finance almost any type of business related equipment
Approvals for application only in 24 hours. Middle market and large ticket financing usually take 3-5 days. Up to 84 months to repay with excellent rates. These programs are for companies that have been in business for two years or more.
Sale & Lease Back
Many companies need working capital for expansion and do not want to use their bank lines for working capital. We have a program that uses the equity in your existing equipment to give your company the working capital it needs. We buy your equipment and lease it back to you and when all the payments are made you own the equipment again.
Most financial institutions will not finance companies that are just going into business. If your company has just started in business, or has been in business for only a short time, usually less than two years, we can help you grow by financing the equipment you need to be successful.
B, C and D Credits
In these tough economic times many businesses have suffered financially. Additionally, the owners of these companies have seriously damaged their personal credit. We have developed a “second chance” program to help these companies. We can structure your financial needs to help you rebuild your company.
Government and Municipal Leasing
We can provide lease financing to any government or municipal entity with guaranteed approval. The rate is determined by the rating of the municipality or government agency. A partial list of who we finance is listed below:
- Federal Government Agencies
- Armed Services
- State Agencies
- Public Schools
- Police Department
- Fire Houses
The above list is only an example of what we can finance. We can finance any state or federally controlled entity. Please contact us, so one of our finance specialists can discuss your specific needs and determine how we can arrange the financing your company requires.
Leasing is the right choice!
Leasing is one of the fastest growing ways of acquiring equipment in business today. Recent surveys found that 80% of U.S. businesses, from Fortune 500 to the local family business, lease some portion of their equipment. A growing business often faces the dilemma of limited cash flow and the need to add equipment. Leasing can put the equipment to work for you with real cash flow advantages and without major capital investment. We can lease virtually any type of equipment, including software and installation.
Low monthly payments The monthly lease payment will usually be lower than the payment required by other methods of financing. No need to tie up capital Keep your business’ cash for future needs, unexpected expenses or working capital when revenues are low. You can always lease equipment – you can’t lease money! Most types of financing require down payments of up to 25%, whereas leasing covers 100% of the cost of the equipment. Most leases require only one or two payments in advance. Get immediate use of the equipment with minimal up-front cost. Preserve existing lines of credit Leasing has no impact on your bank credit lines. Protect your borrowing power for other business needs or opportunities. Eliminate obsolescence Technology is changing at a rapid fire pace. What meets your business’ needs today may be obsolete three years from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today’s best technology then allowing you to upgrade when the equipment has outlived its advantage. Fixed payments through the term of the lease Unlike bank lines of credit that usually have variable rates, lease payments are fixed no matter what happens in the market. By choosing to lease you won’t be a victim of skyrocketing interest rates. Remember the 80’s when rates rose from 9% to over 20% in one year? That can’t happen with leasing. Significant tax and accounting advantages Leasing eliminates the need for complicated depreciation schedules since lease payments are generally line-item expenses on your P&L statement. And since lease payments can usually be treated as a pre-tax business expense you may even reduce your taxes. Paying cash for equipment automatically adds 30-40% to the cost when you realize that cash = profits, and taxes are paid on profits. Leasing is the right choice! It minimizes demands on cash flow, eliminates obsolescence, keeps your bank lines open, saves on taxes and shelters you from the market Unlimited source of financing for your company’s growth Accounts receivable financing, or Factoring, is the purchase of accounts receivable invoices at a discount. If you sell your products or services to businesses that pay in 30, 60, 90 days or more, Plus Capital Solutions has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer’s credit, not yours. This is not a “debt.” You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customer’s credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance.
- Cash in 24 hours
- We finance any type of business
- Credit insurance on your clients at no cost to you
- No arbitrary loan board decisions
- No Fixed Payments
- As sales and receivables increase, funding Increases
- Focus on your business, not collections
- Take advantage of early payment or bulk purchase discounts from your suppliers
- Ability to service large and / or unexpected orders
- Accounts receivable financing is more flexible and quicker than bank loans
Use The Money To…
- Fund payroll or other operating expenses
- Purchase inventory to take advantage of bulk/early payment discounts
- Fund expansion and growth
- Respond to seasonal demands and opportunities
- Take on that large new account with confidence
Contact us today, and one of our financial specialists will give you a no-cost analysis of what we can provide for your company.We provide loans to doctors, dentists, chiropractors and veterinarians. We can offer your practice working capital, debt consolidation, equipment financing, expansion loans, improvement loans and practice acquisition loans.
Practice loans to medical professionals to use as they see fit to enhance the practice. Terms to 72 months with no upfront payments and the loan is not reported on the personal credit bureau. The proceeds of these loans can be used for almost any purpose.
- Personal Needs
- Debt Consolidation
- Practice Expansion
Application Only to $75,000. Full Financials up to $250,000.
Medical Equipment Leasing
Choose from a number of payment options and include up to 50% for soft costs. We can arrange for a lease and a loan at the same time.
This program is the perfect option for the Health care Professional looking for exponential growth. Whether buying into a practice, or just buying out a current partner, Plus Capital Solutions has the capital to meet your growth needs. One Hundred Percent Financing offered to all qualified medical professionals.
We have the resources to refinance your debt in to one low monthly payment. We can approve you in 24 hours and in a week’s time, pay off your total debt. Don’t let revolving debt take over your practice. Plus Capital Solutions is highly experienced in providing solutions to your capital needs.Please contact us today, and we will forward you an application or, if you prefer, one of our qualified professionals will contact you with all of the details.
$1,000,000 to $100,000,000
Plus Capital Solutions is highly experienced in providing our clients with Commercial Bridge Loans and Hard Money Loans in a short amount of time. With our numerous partnerships with institutional private investment firms we can provide the capital you need, in the time you need it in.
Hard Money Loans Criteria and Rates:
- Loan Size: $1,000,000 to $100,000,000
- Lending Area: National and International
- Collateral: We lend mainly to commercial real-estate, including raw land and development projects
- Interest Rate: Variable from 9% to 14% depending on collateral
- Amortization: Interest Only
- LTV: Up to 80%
- Origination Fee: 1 to 4%
- Closing time: 5 Days to 1 Month
$1,000,000 to $500,000,000
Let Plus Capital Solutions’s experience be the guiding light for your corporate financing. We conduct an in-depth analysis of the business that is being acquired, so we can then leverage the existing assets of the business to structure the right financing for you.
Plus Capital Solutions has had remarkable success helping companies introduce Equity or Joint Venture capital into their businesses. With our numerous strategic alliances and expertise in the private investment arena, Plus Capital Solutions can provide a broad investment mandate, including recapitalizations, management buyouts, corporate divestitures, leverage buyouts, and growth capital and can pursue quality investments in all industries. Some of the points that our firms look for in a potential investment:
- Strong management team
- Significant growth potential
- Ability to create value
- Ability to generate cash
- A clearly defined exit strategy
When it comes to franchise financing, there is no better place to obtain financing than with us. No matter if you’re a first time owner, or have multiple locations, we have the ability to get the financing you need from $150,000 to over $1,000,000. We offer a variety of financing options for purchasing real estate or equipment, new construction or remodels, acquisitions, or refinancing. We offer a fast pre-qualification process for your franchise loan and never, ever waste your time. Our Franchise Financing program includes:
- Up to 90% LTV
- Extra cash for Working Capital
- Rates as low as 6%
- Fast closing and commitments
- First time owners
- Up to 25 year terms
- No Pre-Payment Penalties
Take the next step to your financial future and call us today. (855) 796-7578 These days it takes the right team to properly structure the right financing for large projects from $1,000,000 to $50,000,000 or more. We offer comprehensive solutions to commercial financing needs that are often unavailable to banks or traditional commercial channels. Our team has the experience and access to funding to successfully analyze and fund your project. We can cater to your unique circumstances and can structure financing very creatively based on assets, experience, projections, and the unique aspects to your project. Our capital partners provide a virtually limitless funding capacity. Whether your project is 1 million dollars or 100 million dollars, we have the resources to properly structure and fund your deal. We can offer the following types of financing:
- Venture Capital
- Energy Financing
- Equity Financing
- Mezzanine Financing
- Debt Financing
We can provide your business with a merchant cash advance against its merchant account of up to $200,000 per business location. An alternative to a small business loan, these funds against all future credit card sales (Visa, MasterCard, American Express, Discover, etc.) are typically available within 7 days or less. Use the money how ever you see fit: inventory, expansion, advertising and more. Benefits include:
- No Application Fee
- No Closing Costs
- No Fixed Payments
- No Equity Loss
- Easy Payback
Get on track today to provide your business the cash it needs to grow and operate.We provide purchase order funding for the import and export, or domestic production of pre-sold merchandise. Often, a company’s greatest challenge is not sales or production, but simply locating the financing to procure pre-sold merchandise. Our areas of expertise include production finance for work in process and Letters of Credit for trade finance, including import and export transactions as well as domestic trade purchases. If you are a producer, distributor, wholesaler or reseller of manufactured products we can help you. Even if you are a start-up, have poor cash flow, or little access to capital we can help.
The Benefits of Purchase Order Financing include the following:
- Allows companies to grow without increased bank debt or selling equity
- Helps ensure timely deliveries to customers
- Increases market share
- Allows companies to make larger profits by fulfilling larger orders
- Fast flexible funding
Please check out our list of recent repossessed inventory that we have for sale and ready to finance.
Why buy from our inventory?
We can offer very flexible financing on all of our assets. We approve financing to companies with a wide range of credit from strong to credit challenged and start ups.
- Score as low as 500
- Start-Ups OK
- Owner Operators Welcomed
- Application Only – No need for financials
We find creative ways to get you approved for our inventory.Take advantage of our new innovative program that will allow you to sell your annuity for immediate lump sum cash now. Whether you want to sell:
- All of your payments
- Some of your payments
- A certain portion of each incoming payment
Benefits to our Program?
- Combat an unexpected change or big expense in your life with instant liquidity
- Customize options based on each personal situation
- Cash out your inherited annuity
- Position assets for transfer to heirs
- Avoid high surrender charges
- Experience world class customer service
As a guideline, the following information is helpful when requesting a quote. Even if you don’t have all the information, call us and we can guide you.
Information you will need when requesting a quote for a fixed annuity:
- First payment date
- Last guaranteed payment date
- Payment amount
- Payment frequency (e.g. monthly, annual, etc.)
- Insurance company name
- Annuity policy number
$100,000 to $50,000,000 Plus Capital Solutions offers a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage.
- Up to 80% Financing
- Flexible debt-to-income (DTI) underwriting approach
- Rates as low as 6.5%
- Fixed and variable rate programs
- Refinance- cash out
- Quick Closings- 30 to 45 day closings
- Mixed Use
- Flagged Hospitality
- Mobile Home Parks
- Gas Stations
- Unflagged Hospitality
- Health Care
- Funeral Home
- High Rise Office Buildings
Plus Capital Solutions has a very unique contract finance program that is far less expensive then equity and provides for a more sensible solution for any business that may qualify for this product. Our approach allows you to acquire the maximum cash from your contract now by simply (monetizing) your contract that you either already have in place or are in negotiations with. We custom tailor each transaction catering to our client’s needs. This enables you to access the money you need from your sales immediately, instead of having to wait and receive payment incrementally over the life of the contract.
- Minimum deals size $1,000,000
- Customer investment grade or near investment
- Service Contract must have a component of equipment
- This program is not for ongoing service maintenance contracts
- Great for startup or emerging growing companies
Industries where our products works best:
- Any Break Through Technology or Process
- Computer System/Software Development
- Digital Broadcasting
- Waste Management
- Water Purification
- Retail Communications
- Food Processing
- And many others…
Call us today to learn more about our Contract Financing solutions.
Plus Capital Solutions specializes in Unsecured Business Lines of Credit. These business lines of credit do not require collateral and include anything from smaller business credit card solutions up to individual lines of credit for $500,000. How much the business owner qualifies for depends on the credit profile and the size and profitability of the business. Start-up companies with no established revenue and a business owner or partner with a good credit file can expect to receive between $25,000 – $100,000 normally. Established businesses with revenues of $1,000,000 up to $10,000,000 can expect between $100,000 – $500,000 with no collateral if they qualify with their financials and credit. These are A-Paper products so the rates are very good. They range anywhere from 0% introductory offers on all our business credit card solutions to 1-5% over prime for the larger lines of credit. We don’t offer “subprime” Unsecured lines so you’ll either get the good rates or you will not be approved.
We offer a No-Obligation Pre-Qualification that takes 10 minutes to complete and only requires a credit-check that costs less than $45.
Feel free to speak to one of our representatives on obtaining an unsecured line of credit.