Welcome to Shell Beach Capital

About Us

Bruce McClanahan is a business loan broker and referral agent 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.
  
 

Our history

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.” 

Our specialities

SBC 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. Unsecured small business loans, bad credit business loans, and working capital are some of our specialties.

 


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Contact Us

Drop us a line!

Better yet, see us in person, by appointment

Shell Beach Capital

(805) 295-6628

Cell 805-458-5069

What We Do

Business Loans

SBC 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

SBC 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. 

Fix & Flip Funding

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. 

Asset Based Loans


Our Asset Based Lenders allow you to use a variety of types of assets as collateral. There are basically two types of asset based lender. The first being a business type of lender, these lenders will use inventory, equipment, heavy machinery, aircraft, trucks, and of course real estate as collateral. A combination of these types of assets may also be considered.


Personal assets that may be used by our luxury asset lenders include luxury or classic automobiles, RVs, boats, and motorcycles. Also luxury watches, jewelry, gold and diamonds, along with fine art and even wine collections. 


There are three distinct loan types to choose from with these programs. 

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 Securities Loans

Reviews & Kudos

Our Publicly Traded Securities 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. The stock loan programs we provide are non-purpose and non-recourse requiring no documentation. There is also no credit required 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.     

Venture Capital

Another area of specialization is securing Venture Capital and Private Equity for early stage 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. Our investment bank relationships allow us to offer debt and equity placements, to help with going public,  or to help with exit strategies if needed. We have the industry contacts to help you get where your dreams are taking you.