Business Loans

Shell Beach Capital offers an array of business loan solutions, including SBA Loans and Private Bank SBA Clones, Cash Flow Based(ACH) Loans, Working Capital Loans, Accounts Receivable and Purchase Order Loans including Medical Receivables for Physicians, Clinics and Hospitals, Equipment Leasing, Sale Leasebacks, Medical Financing, and Asset Based Loans, among others. Many of these programs will allow for past credit issues, basing underwriting decisions more on cash flow, the value of assets, and purchase orders and contracts, rather than strictly on a FICO score. These lenders know that businesses have their challenges, and work with entrepreneurs to find the right solution to any problem. Most industries are eligible, from retail stores, bars and restaurants, to wholesalers, transportation companies, and service businesses.

Commercial Real Estate Loans

Shell Beach Capital also offers all types of Commercial Real Estate loans, including SBA Loans, Hard Money, Bridge Loans and Construction Loans, for both acquisitions and refinancing. Any type of commercial property funding is available, from Multifamily, Hospitality, Office Buildings, Shopping Centers, Strip Malls, Gas Stations, Mobile Home Parks and more. We have Small Balance Lenders, specializing in loans as little as $50 or $100k, and major private banks, investment funds, pension funds and Joint Venture partners that can handle projects into the hundreds of millions of dollars. Many of our Bridge Loan and Hard Money lenders can fund loans with stated income, limited docs, and no appraisals in as little as 3-5 days. Whether you are an experienced rehabber looking for Hard Money, or an owner with a stabilized property ready for refinancing we have the solution.

Residential Bridge Loans

Or Fix and Flip Loans, are specifically designed for investors who are in the business of buying and flipping single family residences. With loan terms from 6-24 months normally, these loans are excellent for SFR’s, or small multifamily residences, from 2-4 units. Many of these lenders fund in a matter of days, with minimal docs, such as no credit score requirements, no tax returns, and no appraisals. An experienced rehabber can borrow 70 or 80% LTV, with some offering up to 90% LTV, although the higher amounts may have more stringent documentation requirements. Some lenders are also offering a rehab loan as an add on to the purchase loan, so that a borrower may come in to the project with as little as 10% down. An investor will always be in a more favorable position if they have more liquid assets to bring to the table, but there are options available for just about any scenario.

Venture Capital

Shell Beach Capital also specializes is securing Venture Capital and Private Equity for startups and established businesses. We have contacts in the Technology, Mining, Energy, including Alternative and Clean Energy sectors, among others. We can assist in helping with early stage funding, as well as later stage investments, and we have IPO specialists when needed as well. We can assist entrepreneurs who need expansion capital, would like to take some money off the table for other ventures, or to enhance their and their families lifestyle. From Angel Investors to help you get started, to help with going public, taking you.

Luxury Asset Loans

Shell Beach Capital now offers two new types of asset based loans, Luxury Asset Loans, and Publicly Traded Stock Loans. Use your valuable assets to secure a collateral loan. Our source can lend $5,000-$2,000,000 secured against valuables, including jewelry, luxury watches, fine art, antiques, luxury cars, handbags, and more. There are three distinct loan types to choose from with this program. BRIDGE LOANS: Enables the use of your luxury assets to secure short term funding. Typically the cost of a loan is less than the loss you would suffer from quick sale of an asset. TERM LOANS: Allows high net worth individuals to use their luxury assets to borrow a minimum of $100,000 over a longer term, typically 18 months to 36 months. SALE ADVANCE LOANS: Provides an initial advance of capital while our experts manage the sale of your luxury assets. We leverage our relationships with auction houses and private sellers to maximize sales value for you.

Our appraisers have all previously worked for the leading auction houses including Sotheby’s, Christie’s, Bonhams and Phillips. They are not only experts in their field, but also have excellent auction house connections and a strong network of fellow appraisers with international reach. They proudly hold professional qualifications and are members of professional associations – these include Appraisers Association of America Valuers, Gemological Institute of America, and The Royal Institute of Chartered Surveyors.

Publicly Traded Stock

Our Publicly Traded Stock lender provides securities based loans to investors looking to maximize the potential of their existing publicly traded securities. Our clients are seeking liquidity for personal or business use without having the need to sell their existing securities. We are able to provide this financing in a fast, streamlined manner with minimal paperwork in as little as a few days.

Our lender offers lending facilities on most securities traded domestically and on most international exchanges. Our program is unique versus traditional securities based lending programs, commonly referred to as “margin loans”.

The maximum amount that most traditional investment banks will lend on a high quality securities portfolio is 50% of its value, and not all securities are considered “marginable”. The interest rates are typically higher and based on variable indices such as LIBOR or prime. In addition, there is personal liability associated with these traditional types of margin loans.

Conversely, our program allows securities based loan facilities of up to 85% of the value of publicly traded stock portfolios, and up to 95% on high quality government debt at very low fixed rates. Most securities are eligible for the program whether they are considered “marginable” or not and there is no personal liability. We offer 3-10 year terms, on loans of $100,000 to $100,000,000.

Credit Lines

Business Credit Lines, available via business credit cards, are also offered by one of our lending sources.All credit lines are unsecured. They do not collateralize or lien against any work equipment, commercial property, or personal property. There are no restrictions on use. For example, all our credit lines can be used same as cash. We do not burden our clients with vendor credit lines (I.E. BP credit lines, Office Depot credit lines, Staples credit lines). Our unsecured business credit lines can be used for anything, but are effectively used to overcome short term capital requirements, which we define as a 0-18 month payback period. Marketing campaigns, aggressive expansion, and flipping real estate are the most common uses of unsecured business credit lines by our clients.

We can work with both new and existing businesses. We offer products specifically for Start-Up companies. If you’ve been in business for less than two (2) years, you may still qualify for up to $75,000 in unsecured business capital. If your business has already experienced growth and profit, we have full doc products totaling over $250,000, allowing your business to leverage unsecured funds to continue expansion.

We guarantee that all business credit lines you acquire through our source will not report to the personal credit bureaus, unless you begin missing payments and default. You may draw on the entire balances of these lines without fear of bringing down your personal credit scores. Many lenders report business credit lines to the personal credit bureaus. This means that when you draw on the balance of the line, your personal credit can drop anywhere from 20-100 points overnight! We have contacts with hundreds of lenders, each with unique lending trends, allowing us to optimize your financing mix so that you receive the most capital, with the lowest interest rate, as quickly as possible.

The main requirements for qualifying for this program are a good personal credit history, and a good utilization rate. You must have at least a 680+ FICO score to qualify, along with an active corporation or LLC. If you have someone with better credit who wishes to personally guarantee your business line of credit. Our experts will help you take the steps so that you are able to use them to acquire capital for your business. A link to the qualification process can be found Here.