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Credit Card Services

CREDIT, MERCHANT, AND FACTORING SERVICES

Credit Cards
BUSINESS CREDIT CARDS

Any good CPA will advise you not to use your personal credit cards for business expenses.  As soon as possible, you want to get business credit cards that you ONLY use for business.  Click below for some specific recommendations.

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Merchant Account
MERCHANT SERVICES

Nearly every person in America owns a debit and/or credit card.  If you don't accept credit cards for your business, you are losing a lot of potential sales.  We can help you to begin accepting debit and credit cards for your business.

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Factoring Loans
A/R FACTORING LOANS

Accounts Receivable factoring can provide liquidity to businesses who have long lead times for customer payments.  If this applies to you, enquire with us on ways to turn your receivables into cash!

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About Permanent Bank Loans ​

When most people think about commercial loans, what comes to mind is permanent bank loans. These are 25-year fully-amortized loans, in the minds of most people. They think of these loans, because these are similar to the loans most people have on their residences.

However, permanent bank loans are quite rare. Most permanent loans are going to be on owner-occupied properties. Investors will typically opt for interest-only loans of several years, so as to increase annual cash flow. They don’t want to tie-up money inside a hard asset, so they are quite happy to let the balance ride.

Even with permanent loans, the vast majority of these will be agency loans, with permanent bank loans reserved for the best, most financially-solid borrowers.

Contact us to see which financing option is best for your circumstances.

Bank
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About Construction Loans

Most construction projects run in the $5 million to $20 million range, with larger construction projects from $20 million to $100 million or more.

Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.

Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.

If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).

Note our document checklist for construction loans.
Construction
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