Working Capital Loans can be obtained and used for most business purposes including:

·Construction, renovation or leasehold improvements.
·To purchase furniture, fixtures, machinery, or equipment.
·For the flooring of inventory and for working capital (payroll).
·As a down payment to finance the purchase of real estate for the business.

Credit FLrd Receipt Advances
A cash advance loan up to a $200,000 that is secured against your regular occurring monthly merchant credit receipts. The loan is paid back via automatic deduction from future credit card transactions.

Sell Account Receivables
Your account receivables are purchased at a small discount and you get cash now.

Business Credit FLrds
These loans are unsecured and usually do not exceed $25,000. Loan limits are based on your personal credit score and not your time in business.

Sale and Leaseback
Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax can be an issue here with this type of funding.

admin | Working Capital | 02 15th, 2010 | No Comments »

Small business loans can be used for most business purposes:

·The purchase of real estate to house the business
·Construction, renovation or leasehold improvements.
·To purchase furniture, fixtures, machinery, or equipment.
·For the flooring of inventory and for working capital.

SBA Loans
Loans to small businesses from private-sector lenders (banks, etc.) which are guaranteed by the SBA. The SBA has no funds for direct lending.

Franchise Financing
Specialized financing reserved for the franchisees of recognized, typically nationally known, franchises.

Development Financing
Loans to small businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. CDCs work with the SBA and private-sector lenders to provide the financing.

Import Export Loans
Export financing of U.S. goods and services through a variety of loan, guarantee, and insurance programs. (Import-Export Bank Programs)

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Commercial Finance Includes:

·Asset based loans, invoice factoring, purchase order advances.
·Credit card receipt advances, working capital credit lines.
·Expansion, franchise, inventory, import/export financing.

Accounts Receivable Factoring
Account receivable factoring serves as collateral for short term working capital loans that you can obtain fast and cost effectively.

Asset Based Loan
Seeking to convert a company assets into working capital. Giving a security in an asset(s) in exchange for cash.

Bankruptcy Reorganization Financing
Financing to reorganize in company in a turnaround. Typically secured by assets; equipment, inventory, A/R, PO’s, etc.

Expansion Financing
Growth has outpaced existing business. Loan for existing demand. Key here is existing demand, not projected.

Import and Export
Loans to promote the shipping or receiving of products or materials. Based on existing market, demand or orders.

Inventory Loan
A loan typically made as part of a relationship where the lender will also provide retail financing for the product.

Purchase Order Financing
Loans on the written order to purchase goods at a stipulated price with an agreed to delivery date. Credit rating of orderer is key.

Secured Credit Lines
A prearranged amount of credit based upon existing inventory, A/R and PO’s.

Merchant Account Advance
Up to a $250,000 advance against regular occurring monthly merchant credit receipts.

admin | Commercial Finance | 02 15th, 2010 | No Comments »

At FC360, we offer business finance solutions designed to fit your needs. We understand and anticipate the needs of developers, small business owners and real estate investors, and, offer a fast, flexible and easy lending process. There is a wide variety of business finance types available. To help you pick the best option we have listed options available to you so you can make an informed decision.

admin | Business | 02 15th, 2010 | No Comments »