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FINANCING FOR YOUR NEEDS

Our loan programs include accounts receivable financing, SBA 7a and 504, asset-based loans, equipment financing, real estate loans, and other non-traditional loan products to fit almost any small to medium size business financing needs.

RECEIVABLE FINANCE

No facility minimums
up to $20,000,000

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Asset Based Lending Cash

ASSET BASED LENDING

Revolving Lines of Credit
up to $20,000

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SBA LOANS

Working Capital &
Real Estate Loans

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TERM LOANS

Equipment &
Inventory Facilities

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REAL ESTATE LOANS

Commercial & Investment
Property Financing

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ACCOUNTS RECEIVABLE FINANCING

Unlock cash flow trapped in your invoices with up to $20,000,000
Invoice factoring is for manufacturers, distributors, and other types of businesses that sell goods or services to creditworthy commercial accounts on open terms. There are several forms of accounts receivable factoring, some of which require a factoring company that specializes in a specific industry.
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Freight factoring is for transportation companies that need working capital to pay drivers, purchase fuel, and maintain vehicles. Freight factoring is commonly available in the marketplace, and prospects can enjoy some of the lowest rates and flexible terms through this form of accounts receivable factoring.
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Construction factoring is for general and sub-contractors who are working on commercial or government projects. This form of accounts receivable factoring allows contractors to receive funds after submitting approved progressive billings. Construction companies typically use accounts receivable factoring proceeds to pay for labor and materials.
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Medical factoring is for medical practices collecting payments from Medicare, Medicaid, and other third-party insurers. Healthcare facilities and providers use this type of accounts receivable factoring to cover payroll and expenses. Medical factoring is almost exclusively done by companies that specialize in this type of accounts receivable factoring.
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Spot factoring is for companies that only have occasional working capital needs. This type of accounts receivable factoring allows the client to pick and choose what invoices to factor. While the cost of spot factoring is more than other types of accounts receivable factoring, it is an excellent option for companies that have occasional working capital needs.
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ASSET BASED LENDING

Secure a working capital loan based on the value of your business assets. Financing is available against accounts receivable, machinery and equipment, inventory, and real estate.
Receivables finance is typically the main component of an asset-based loan and generates the most working capital. Lenders prefer accounts receivable over other assets because it is the most accessible asset to convert to cash. In many cases, lenders like to control the flow of liquidity by sharing a deposit account or lockbox facility.
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Inventory finance is an essential component of asset-based lending. Inventory finance increases a company's working capital by funding a percentage of the total cost of inventory on hand. Advance rates are often fifty percent of the cost of goods, however, are ultimately decided by an appraisal.
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Equipment finance is another component of an asset-based loan and is available to companies that own capital equipment. Advance rates are typically less than advance rates generated by accounts receivable funding. While lenders prefer equipment that is bolted down, some will consider advances on rolling stock as well.
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Real estate finance is for companies that own the facilities they operate out of or hold real estate as an investment. While real estate is often used as additional collateral to secure asset-based lending, it is also an asset that can be considered as part of an asset-based loan. Advances rates on real estate are predicated on recent appraisal.
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SBA LOANS

Start or expand your business with loans guaranteed by the Small Business Administration.
The 7(a) Loan Program is the SBA's primary business loan program for providing financial assistance to small businesses. SBA 7(a) loan can be used to refinance existing debt, working capital, purchase inventory, buy out a partner, or purchase commercial Real Estate.
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SBA 504 loans are available for owner-occupied Real Estate and can be used to purchase a building, finance ground-up construction or building improvements, or purchase heavy machinery and equipment.
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The SBA Express Program provides small businesses with a streamlined method to obtain SBA-backed financing for loans and lines of credit up to $500,000. This program can be used for working capital, to refinance existing debt, purchase inventory & equipment, and purchase Commercial Real Estate.
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TERM LOANS

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We offer a variety of equipment financing options, including term loans from banks, equipment leasing programs as well as sale and leaseback options.
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REAL ESTATE LOANS

Purchase, Refinance or Cash Out Conventional Loans program ideal for Investment & Owner Occupied Commercial and Residential Properties
We offer multiple financing programs for acquisition, refinance and cash out against single family & multifamily properties, including 1 to 5-unit townhomes, SFR, 5+ unit apartment buildings and residential portfolio loans.
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Our Conventional CRE Financing Programs can be used to purchase, refinance and cash out Owner Occupied and Investment Commercial properties, including office, retail, light industrial and mixed-use properties.
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Commercial & Investment Real Estate bridge programs can be used to acquire, refinance or build investment, as well as owner occupied properties.
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TESTIMONIALS

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"Value" really gets all of our best work in one place for the entire company to see, it has let us concentrate on the real work.

Roy Steffen
Marketing Manager
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"Value" really gets all of our best work in one place for the entire company to see, it has let us concentrate on the real work.

Robert Caldini
Interface Designer

"Value" really gets all of our best work in one place for the entire company to see, it has let us concentrate on the real work.

Roy Steffen
Marketing Manager