When the bank says no, we say yes!

We can help you finance everything from business and commercial real estate loans to all types of asset based loans.  From publicly traded stock to luxury assets, including jewelry, coins, art and wine collections, we have a solution.

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Business Loans

We can help your business thrive. Whether you need working, expansion, or acquisition capital.

Commercial Real Estate

From hard money and bridge loans to 15 and 30 year fixed, we can help get the financing you need.

Fix and Flip Funding

Purchase and rehab loans for experienced flippers, or those who want to be.

Venture Capital

From seed and early stage investments to venture capital and private equity, we have your source.

Need Funding?

We can make it happen

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. Most of the stock loan programs we provide are non-purpose and non-recourse requiring no documentation. There is also no credit check and no income or employment verification. The only collateral reviewed and evaluated are the pledged securities from our clients. The pledged securities are our lenders’ only recourse.

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.

 


Is Shell Beach Capital a lender?

No, we are a broker and referral agent for hundreds of SBA, private bank, non bank, pension fund, and private lending and investor sources that fund asset based loans, commercial real estate loans, business loans, including cash flow based business loans, merchant cash advances, new ventures and many more. When the bank says no, we say yes.

What should I expect from working with Shell Beach Capital?

We have one mission – to help you – find the money you are looking for. We have direct connections to hundreds of national lenders and investors, and we understand their individual program requirements. We help save you time and get the loan you need with less hassle, paperwork, and lower interest rates by avoiding programs you won’t qualify for or that have hidden fees. We educate you on your options, so that you can make the best loan decision.

I have bad or fair credit, can you help me?

The answer is yes. Depending on your credit score, we have many options available. No matter what your situation, we will recommend a next step and work with you to achieve your goal.

Do you have loan programs for people with great or perfect credit?

Yes, and we have lenders looking for applicants with great credit and are willing to lower their interest rates to do business with you.

I live outside the US, can you help me?

Yes, possibly. We work with lenders and investors worldwide and we may have a source for your project anywhere there is no current war, and the US government does not prohibit.

What do I need to do to get started?

Since every person is unique, and every scenario is different, we suggest you give us a call, send us an email, or fill out the contact us form and we will get right back to you to discuss your situation.

Do you charge advance fees?

We never ask for advance fees for any loan or project. If you need someone to write an executive summary or business plan there may be a fee, but many of our loans do not require them. Commercial real estate lenders may require appraisals, site visits, etc., and any fees will be disclosed in advance. We never work with lenders or investors who charge bogus fees.

How long will it take to get funded?

Again every scenario is different, but many of our lenders offer same day or next day approvals or letters of intent, and funding in just a few days. Some more complex projects will obviously take longer, more reason for you to inquire today.

Bruce McClanahan

Bruce McClanahan is a business and commercial real estate financing specialist residing in Shell Beach, CA. He started his financial services career in March of 1993, with a California Life/Health insurance license, which he continues to hold. He added Property/Casualty Insurance and General Securities Series 7 and Investment Advisor Representative 66 licenses along the way. In 2011, while interviewing his business clients to see exactly what their biggest challenges were, most agreed that after the financial crisis of 2008 and 2009, the biggest issue they faced was a lack of capital. Commercial banks had stopped lending for business and commercial/investment real estate and clients were looking for alternatives. Bruce became introduced to a couple of mentors in the private money side of the business, and found the focus he enjoys today. “I take great pride in being able to help a small business grow, or helping an established business owner take some money off the table and live the life they have worked so diligently to achieve. I am consistently searching looking for ways to help small and mid size business clients become more profitable, and am happy to return the favor as a mentor when I can.” “I believe that the most important part of my business is the relationship itself, and over the years many of my clients have become good friends. I have been truly blessed in that regard.”



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Just wanted to drop you a quick line and say THANK YOU! This is twice that you have been able to pull the proverbial “rabbit out of the hat”. Your last minute heroics in finding bridge loans and working capital loans have really saved our company.

Fred Allen

CFO, Verde Agribusiness, Inc.

Bruce at Shell Beach Capital worked tirelessly to find funding for my project. He was always quick to respond to questions, and always kept me updated on where my project was in the process. He was a pleasure to work with.

Anne Pagent

CEO, Pageburn Properties LLC

Thank you for quickly  understanding the  situation and immediately solving the problem. Your efforts are really appreciated. I promise to give you more than 72 hour notice next time!!

Jeff Kemmer

President, Global Pacific Nursery

When we needed venture capital to fund our startup Bruce was able to quickly find us what we needed to get going. I highly recommend his services.

JR Isbell

CEO, Isbell Industries


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